Cover for Skylar Welch of Maine Pointe Lending
1,690
Skylar Welch of Maine Pointe Lending

Skylar Welch of Maine Pointe Lending

Skylar Welch opened Maine Pointe Lending in 2020! She is an experienced mortgage professional who is

Comments Box SVG iconsUsed for the like, share, comment, and reaction icons
Fiscal Financial Fitness | Self-Employed Success Seminar - Join us next Thursday for Fiscal Financial Fitness - with Rob Larochelle, AIF of Baystate Financial. 

A seminar designated for agents and brokers, geared to financial success as a business owner!

Fiscal Financial Fitness | Self-Employed Success Seminar

Join us next Thursday for Fiscal Financial Fitness...

5% Down Product - Simple and Fast - New Construction Product 🚧

5% Down Product

Simple and Fast - New Construction Product 🚧

2023 Outlook Value Session

I'll be taking over our February Value Session to give insight on what you can expect from the housing market in 2023

πŸ“ Maine Pointe Lending 
πŸ“ Thursday | February 23rd, 2023 
πŸ“ 10-11AM

Sign up here:  https://www.eventcreate.com/e/februaryvaluesession

2023 Outlook Value Session I'll be taking ov...

Make Your Snowbird Dreams A Reality | skyeclosesmaine - Tired of getting plummeted by snow?

Well, guess what? We are licensed in Florida. We're also licensed in every state along the East Coast. So if you're getting tired of these long winters that we have in Maine, we can help you purchase any property that you're looking for along the entire East Coast.

Make Your Snowbird Dreams A Reality | skyeclosesmaine

Tired of getting plummeted by snow? Well, guess w...

What's An Escrow Account? | @skyeclosesmaine - What Is An Escrow Account? 

I'm excited to bring a new series to you, where I shine a light on questions I'm asked, from clients and consumers.

What's An Escrow Account? | @skyeclosesmaine

What Is An Escrow Account? I'm excited to b...

Building Wealth | @skyeclosesmaine - How Do I Build Independent Wealth?

Building Wealth | @skyeclosesmaine

How Do I Build Independent Wealth?

Congratulations to the contestants of our first annual 'Light Up The Town' competition! 

We wanted to see who could bring the most Christmas spirit to their homes and we received so many awesome entries. Here's a video showcasing the home that won first place! See you next year!

Congratulations to the contestants of our first an...

New Year, New House?! | @skyeclosesmaine - Everyone's saying New Year. New you? How about New Year? New house?

It's time to start getting your ducks in a row... 

If your goal this year is to buy a new house, the first place to start is to give us a call here at Maine Pointe Lending.

Whether you're ready now, whether you're looking to buy in March, July, next October, whatever the case may be.

Our goal this year is to help you achieve your goal of homeownership. 

We'll look at your financials, your credit and help figure out the right loan program for you. 

We'll see what you're qualified up to, and most importantly, help you find a purchase price that’s going to give you a comfortable monthly payment.

New Year, New House?! | @skyeclosesmaine

Everyone's saying New Year. New you? How abou...

Windham Listing | A Team Realty - Windham Listing now live, contact A Team Realty for more information.

Windham Listing | A Team Realty

Windham Listing now live, contact A Team Realty fo...

Why The Market Is Good | @skyeclosesmaine - Fear, that's what everybody's feeling right now. 

It's kind of a scary time, but the truth is it's really not. 

What was scary was last season. 

When hundreds of buyers were trying to make offers on very few properties, properties that were listed for $300,000 were going for $450,000. 

Yes, they were at a low interest rate, but they were going FAR above what the market price was.

Now it's less competitive. More people are feeling that fear and feeling scared because they think that the interest rates are so high. But guess what? Historically, interest rates are actually really quite normal.

Think of it like this. If you go under contract on a property now, you may be paying slightly higher interest rate, but you're not paying $60k, $70k, $80k, or $150,000 over asking price and competing with so many other people. 

During those competitions, people are waiving inspections and offering so much over price where they weren't able to see maybe things that are wrong with the property and getting themselves into situations that they couldn't get out of.

This market allots the purchase of a property for what it's actually worth.

You can get an inspection to make sure that the property doesn't have any serious issues. 

Yes, you may pay a higher interest rate, but guess what? You can always refinance that interest rate. Look at the interest rate as a short term thing.

Why The Market Is Good | @skyeclosesmaine

Fear, that's what everybody's feeling ri...

Bowdoin Listing - Beautiful Bowdoin listing now live.

Reach out to Brianna Buzzell- At Vitalius Real Estate Group for more information.

Bowdoin Listing

Beautiful Bowdoin listing now live. Reach out to ...

3 Ways To Use Equity - Having equity in your home is only good if you use it, here are ways you can.

3 Ways To Use Equity

Having equity in your home is only good if you use...

Back Cove Listing - Back Cove listing now live, contact Will Van Wickler for more information.

Back Cove Listing

Back Cove listing now live, contact Will Van Wickl...

Falmouth Holiday Light Competition | Entry Deadline 12/15 - Falmouth! There's only a few days left to sign your home or business up for the city's biggest holiday light competition!  

Give us your best Clark Griswold! Click the link to enter!

Falmouth Holiday Light Competition | Entry Deadline 12/15

Falmouth! There's only a few days left to sig...

Falmouth Holiday Light Competition - 10 days left to enter Falmouth's biggest holiday light competition.

If you haven't already registered, click the link below to light up the town!

Falmouth Holiday Light Competition

10 days left to enter Falmouth's biggest holi...

Newry Ski Condo. - Newry Ski Condo. 

Contact Will Van Wickler for more info.

Newry Ski Condo.

Newry Ski Condo. Contact Will Van Wickler for mo...

Social Media Value Session - Join us for an agent value session covering all things social media, with Local Image Co.

πŸ“Maine Pointe Lending
πŸ“December 13th
πŸ“11AM-1PM

Social Media Value Session

Join us for an agent value session covering all th...

My Favorite Loan Program - Guess My Favorite Loan Program! 

The VA loan is the absolute best loan on the market.

It is a benefit that the veteran has earned. 

-No money down 
-No PMI product
-Lowest rates on the market. 

So if you're a veteran and want to learn more about the VA loan, make sure you call me.

My Favorite Loan Program

Guess My Favorite Loan Program! The VA loan is t...

Saddleback Condo - This newly built condo has amazing views of Saddleback Mountain. 

Reach out to Rangeley Lake Real Estate for more information.

Saddleback Condo

This newly built condo has amazing views of Saddle...

Make Your Footprint Bigger πŸ‘£ - Make Your Footprint Bigger πŸ‘£

You can’t let this market scare you.

Thinking outside of the box and finding new ways to create reach can be extremely pivotal when it comes to your brand.

What are you doing to make your footprint bigger? πŸ‘‡

Make Your Footprint Bigger πŸ‘£

Make Your Footprint Bigger πŸ‘£ You can’t l...

Growing In A Shrinking Market - Flashback to being on the panel at Fuse, talking all things growth. Can’t wait to be back!

Growing In A Shrinking Market

Flashback to being on the panel at Fuse, talking a...

New First Time Homebuyer Product - Listen Up! First Time Homebuyers!

If you are a first time homebuyer in this market and you've been kind of toggling between going with a conventional loan or an FHA loan or something that’s really good for first time homebuyers. The FHA loan has been a better option in a lot of situations due to down payment or credit score or things like that.

But as of today, we are no longer having any loan level adjustment pricing for first time homebuyers or for our conventional 3% down program. So what does this mean for you? 

This is great news because it's less down payment than FHA loan. It's only 3% down. Also, it's a conventional loan, so it's going to have less appraisal requirements than an FHA loan, which is amazing news.

Also, even better news is that there used to be a much higher interest rate for these conventional 3% down. So it wasn't always the best option. Those are gone. So now you can get lower PMI or even no PMI options, which is never an option with FHA.

This also isn't just for first time homebuyers. So if you don't have a big chunk of money to put down like ten or 20%. Let's talk about the conventional 3% down option. This can be a faster, easier, cheaper option for you. And even better, 100% of the down payment can be gift funds.

New First Time Homebuyer Product

Listen Up! First Time Homebuyers! If you are a fi...

Rangeley Listing | Rangeley Lake Real Estate - We're not done with Rangeley yet, check out this stunning cabin. 

Reach out to Rangeley Lake Real Estate for more info.

Rangeley Listing | Rangeley Lake Real Estate

We're not done with Rangeley yet, check out t...

My Appraisal Came In Low, Now What? - Your appraisal came in low. Now, what?
 
Good news, you have a few options. 

#1 Go back to the seller and try to renegotiate, because you cannot buy the house for more than it's worth.

#2 Do what's called a rebuttal, where you take three or four additional comparable properties that you get from either the listing agent or the buyer agent and submit it back to the appraiser. 

#3 Bring the difference between the appraised value and the purchase price.

#4 Another option is, say that you are getting a conventional loan with 20% down and the appraised value came in short. You can bring that same amount of money to the closing table.

My Appraisal Came In Low, Now What?

Your appraisal came in low. Now, what? Good news...

Rangeley Listing - This custom-built, Moosehead Cedar Log Home is located in one of Rangeley's newest neighborhoods.

Reach out to Rangeley Lake Real Estate

Rangeley Listing

This custom-built, Moosehead Cedar Log Home is loc...

2-1 Buydown - Did you know that there's a way that you can alleviate the sticker shock that you may be experiencing right now due to the higher rates?

If you've heard of the 2-1 buy down, it could be a really great option for you. 

It's a fixed mortgage that allows you to have a break for the first two years.

2-1 Buydown

Did you know that there's a way that you can ...

New Maine Pointe this Friday! - Skylar: I'm thinking I want to get extremely silly for this cover photo

Marketing: Say less

Now that I have your attention, I'm dropping a new Maine Pointe tomorrow. Tell a friend.

New Maine Pointe this Friday!

Skylar: I'm thinking I want to get extremely ...

You May Be Paying Lender Fees - Some things shouldn't be said, but I'm gonna go ahead and say it...

There are lenders that are padding fees on to the closing process, and this could affect you!

You May Be Paying Lender Fees

Some things shouldn't be said, but I'm g...

13 Unit | Portland - 13 UNIT APARTMENT BUILDING | PORLTAND

Known as the Charles Tobie house, this historic multiunit is located in the Parkside neighborhood in Portland, equipped with coin-operated laundry, metered utilities, and a city monitored fire alarm.

Contact Will Van Wickler for more information.

13 Unit | Portland

13 UNIT APARTMENT BUILDING | PORLTAND Known as th...

Load more