Millennial Market Talk

Let's talk about the real estate market based on our location of San Antonio Texas.

Mark Jones
Founder of https://reviewmymortgage.com/
President | iTHINK Mortgage
Top Producing Sr. Loan Officer
NMLS# 513437
Get in Touch with Mark.
https://ithinkmortgage.com

Nichole Kelley
Loan Officer
NMLS#1630375

Xavier Villarreal
Loan Officer
NMLS# 2217153

Mann Mortgage LLC, DBA iTHINK Mortgage
15900 La Cantera Pkwy #2630
San Antonio TX 78256

NMLS #2550 
Alaska (AK2550), Arizona (0907705), California (4130981), Colorado (2550), District of Columbia (MLB2550), Hawaii (HI-2550), Idaho (MBL-437), Maryland (23418), Minnesota (MN-MO-2550), Montana (2550), Nevada (2342), New Mexico (250489), North Carolina (185883), North Dakota (MB101542), Oregon (ML-832), South Dakota (ML.05197), Texas (2550), Utah (7956014), Virginia (MC-6860), Washington (CL-2550), Wisconsin (2550BA), Wyoming (1004).
Licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act.
Texas Complaint and Recovery Fund Notice
Mann Mortgage, LLC is not endorsed by, nor acting on behalf of or at the direction of, the U.S. Department of Housing and Urban Development, Federal Housing Administration, the Veterans Administration, the U.S. Department of Agriculture or the Federal Government. All programs are subject to credit and income qualification. This is not a guarantee of financing or a firm offer of credit. Interest rates are not guaranteed and subject to change or become unavailable at time of commitment or closing. 1220 Whitefish Stage, Kalispell, MT 59901

iTHINK Mortgage is an Equal Housing Lender

#MedicalCollections #MedicalDeletion #IncreaseCreditScore


Forbes Article Link 
https://www.forbes.com/advisor/personal-finance/medical-debt-removed-from-consumer-credit-reports/


TikTok - Credit @loansbyneely
https://www.tiktok.com/@loansbyneely/video/7086570993099017518?_t=8Rne67bAND9&_r=1




There are no guarantees to revoking a negative trade lines by way of disputing.
Paid Off Medical Bills will be #Deleted July 1st 2022 


Contact Us Now to Get a Credit Plan Going to Be Prepared. 


Daily Millennial Mortgage Update | Mark Jones


Visit https://www.millennialmarkettalk.com Subscribe to Apple Podcast, Spotify, iheart, Facebook, to listen on the go Daily. 


This is your Millennial Mortgage Update with Mark Jones, Producing, Branch Manager, of Directions Home Loan at La Cantera in San Antonio TX. Tune in to get your Daily Mortgage & Real Estate Update in Minutes from a Millennials Perspective. This is for Consumers and industry Professionals to stay current with what's going on in our world.




Host :
Mark Jones
Founder of https://reviewmymortgage.com/
Branch Manager Directions Home Loan La Cantera
Top Producing Loan Officer
NMLS# 513437
Get in Touch with Mark.
https://lacanteraloans.com/loan-officer/the-mark-jones-team/


Get Educated and Inspired with your host Mark Jones, Co-Founder of ReviewMyMortgage.com, Top Producing Branch Manager for Directions Home Loan, and an Investor out of San Antonio, Texas.  Mark has spent the last nine years of his career in mortgage, doing what he can to educate and streamline the process for his borrowers, loan officers call Ma and colleagues. He believes that everyone is a home buyer it’s just a matter of when and his goal is to show you how. 


Educational Podcast for Consumers, Mortgage & Real Estate Industry Professionals. We'll Talk About It All!  Key Factors podcast, powered by https://ReviewMyMortgage.com . Your Host Mark Jones invites Industry Pros to help uncover & educate on the key factors of various topics. There’s something for everyone so let us be your guides and get educated. Subscribe & Follow on Spotify, Apple Podcast, Facebook, Instagram, & all other podcasting platforms.  Host : Mark A Jones Founder of ReviewMyMortgage.comProducing Branch MangerSr. Loan Officer. NMLS ID# 513437NMLS Consumer Access: http://www.nmlsconsumeraccess.org/Powered by ReviewMyMortgage.com

#TexasHomeBuyers  #TexasRealEstateValues  #MortgageNews

Get Educated on the Most Accurate Opinion of the 2022 Texas Housing Market. Learn about Inflation, Recession, Current Mortgage Rates, Housing Data, and 2022 Real Estate Prediction.

Visit https://www.millennialmarkettalk.com Subscribe to Apple Podcast, Spotify, iheart, Facebook, to listen on the go Daily.
Host :
Mark Jones
Founder of https://reviewmymortgage.com/
Branch Manager Directions Home Loan La Cantera
Top Producing Loan Officer
NMLS# 513437
Branch NMLS#2062296
15900 LaCantera Pkwy #26225
San Antonio TX 78256
Equal Housing Lender
Get in Touch with Mark.
https://lacanteraloans.com/loan-offic...


Listen to Weekly Industry Topic Discussions on all podcast platforms by visiting this link https://www.keyfactorspodcast.com/

Educational Podcast for Consumers, Mortgage & Real Estate Industry Professionals. We'll Talk About It All!  Key Factors podcast, powered by https://ReviewMyMortgage.com .

Host : Mark A Jones Founder of ReviewMyMortgage.comProducing Branch MangerSr. Loan Officer. NMLS ID# 513437NMLS Consumer Access: http://www.nmlsconsumeraccess.org/Pow... by ReviewMyMortgage.com 

This video description may contain affiliate links that allow you to easily find the items mentioned in my videos as well as support the channel at no cost to you. Thank you for your support! Mark Jones is a licensed Loan Originator with Directions Home Loan NMLS# 513437.

#PropertyTaxes #TexasRealEstate #HomeValuesRising

Property Taxes on the rise and with all the scary content out spreading fear in our great state of Texas, I wanted to set the record straight. Here is an explanation of what property taxes are and how they effect you as a home owner.  Enjoy.

Link to County Tax Rates 
https://lacanteraloans.com/sanantoniopropertytaxrates/
Link to Bexar County Appraisal District 
https://bcad.org/
Homestead Exemption form in Bexar County
https://bcad.org/data/_uploaded/file/PDFs/50-114%20HS%20Fillable%202022-1.pdf
Housing Data
https://www.redfin.com/state/Texas/housing-market


Property taxes – also called ad valorem taxes – are locally assessed. Texas does not have a state property tax.  Local appraisal districts appraise and value property located in the county and local taxing units set tax rates and collect property taxes based on those values.


Property taxes provide more tax dollars for local services in Texas than any other source-they help pay for public schools, libraries, playgrounds, city streets, county roads, police, fire protection, emergency medical service and many other services.

How are property Taxes Assessed & Calculated
Property Taxes are Assessed each year based on the values in the area of homes sold. The value is often assessed on the land and improvement value of your home. The County then takes that value times the area tax rate to give a taxable amount for the year. 
    - 
- Taxes are Due Jan 1 of the New Year each year 
- Exemptions & How to Claim Them
    - Claim by April 30 of each calendar year. 
        - Those That don’t have to wait… 
            - 65 over 
            - 100% disabled Vet - Zero Taxes on Primary Residence.
- Tax Increase Cap 10% YoY
- Disputing Tax Values

Host :
Mark Jones
Founder of https://reviewmymortgage.com/
Branch Manager Directions Home Loan La Cantera
Top Producing Loan Officer
NMLS# 513437
Get in Touch with Mark.
https://lacanteraloans.com/loan-officer/the-mark-jones-team/

Get Educated and Inspired with your host Mark Jones, Co-Founder of ReviewMyMortgage.com, Top Producing Branch Manager for Directions Home Loan, and an Investor out of San Antonio, Texas.  Mark has spent the last nine years of his career in mortgage, doing what he can to educate and streamline the process for his borrowers, loan officers call Ma and colleagues. He believes that everyone is a home buyer it’s just a matter of when and his goal is to show you how. 

Educational Podcast for Consumers, Mortgage & Real Estate Industry Professionals. We'll Talk About It All!  Key Factors podcast, powered by https://ReviewMyMortgage.com . Your Host Mark Jones invites Industry Pros to help uncover & educate on the key factors of various topics. There’s something for everyone so let us be your guides and get educated. Subscribe & Follow on Spotify, Apple Podcast, Facebook, Instagram, & all other podcasting platforms.  Host : Mark A Jones Founder of ReviewMyMortgage.comProducing Branch MangerSr. Loan Officer. NMLS ID# 513437NMLS Consumer Access: http://www.nmlsconsumeraccess.org/Powered by ReviewMyMortgage.com 

Listen to Weekly Industry Topic Discussions on all podcast platforms by visiting this link https://www.keyfactorspodcast.com/

Watch this Mortgage Update on YouTube. @MillennialMarketTalk

Get Educated on the Most Accurate Opinion of the 2022 Texas Housing Market. Learn about Inflation, Recession, Current Mortgage Rates, Housing Data, and 2022 Real Estate Prediction. 

Visit https://www.millennialmarkettalk.com Subscribe to Apple Podcast, Spotify, iheart, Facebook, to listen on the go Daily. 

This is your Millennial Mortgage Update with Mark Jones, Producing, Branch Manager, of Directions Home Loan at La Cantera in San Antonio TX. Tune in to get your Daily Mortgage & Real Estate Update in Minutes from a Millennials Perspective. This is for Consumers and industry Professionals to stay current with what's going on in our world.


Host :
Mark Jones
Founder of https://reviewmymortgage.com/
Branch Manager Directions Home Loan La Cantera
Top Producing Loan Officer
NMLS# 513437
Get in Touch with Mark.
https://lacanteraloans.com/loan-offic...


Listen to Weekly Industry Topic Discussions on all podcast platforms by visiting this link https://www.keyfactorspodcast.com/

Educational Podcast for Consumers, Mortgage & Real Estate Industry Professionals. We'll Talk About It All!  Key Factors podcast, powered by https://ReviewMyMortgage.com . 

Host : Mark A Jones Founder of ReviewMyMortgage.comProducing Branch MangerSr. Loan Officer. NMLS ID# 513437NMLS Consumer Access: http://www.nmlsconsumeraccess.org/Pow... by ReviewMyMortgage.com 

Here are a Few Reason why someone would be denied for a mortgage. 

8 Reasons Why Mortgage Loans Are Denied In Underwriting

1. Your Credit Score Is Too Low
2. Your Debt-To-Income Ratio (DTI) Is Too High
3. The Loan-To-Value Ratio (LTV) Is Too High
4. Your Employment Status Recently Changed
5. You Have Unusual Bank Account Activity
6. There Are Problems With The Property
7. You Have A History Of Missed Mortgage Payments
8. The Appraisal Is Too Low

Disclaimer:
Mark Jones is not a practicing tax accountant or a licensed attorney or financial adviser. Therefore, the information in these videos shall not be relied upon as tax, legal, or financial advice from a qualified perspective. If you need such advice, please contact a qualified tax accountant, attorney, or financial adviser. We have taken reasonable steps to check that the information in this video is accurate but we cannot represent that it is free from errors. You expressly agree not to rely upon any information contained in this video - it is for entertainment purposes only. 

This video description may contain affiliate links that allow you to easily find the items mentioned in my videos as well as support the channel at no cost to you. Thank you for your support! Mark Jones is a licensed Loan Originator with Directions Home Loan NMLS# 513437.

Resource Data Links : 
https://datacommons.org/place/country/USA?utm_medium=explore&mprop=amount&popt=EconomicActivity&cpv=activitySource%2CGrossDomesticProduction&hl=en

https://tradingeconomics.com/united-states/inflation-cpi

https://www.redfin.com/news/data-center/

https://www.google.com/search?q=todays+mortgage+rates&oq=today&aqs=chrome.0.69i59j46i433i512j69i59j35i39j0i10i433j69i60j69i61l2.843j0j7&sourceid=chrome&ie=UTF-8

#HousingCrash #TexasRealEstateValues #MortgageNews

Despite what the media is showing you, the Texas Housing Market is still on the rise with no end in site.  Here is an update on rates and why you should continue to the hunt if you're a buyer shopping around but getting out beat. 

This is your Millennial Mortgage Update with Mark Jones, Producing, Branch Manager, of Directions Home Loan at La Cantera in San Antonio TX. Tune in to get your Daily Mortgage & Real Estate Update in Minutes from a Millennials Perspective. This is for Consumers and industry Professionals to stay current with what's going on in our world.

BONUS: 
Debt Awarded to Ex-Spouse (if stated in decree) can also be omit from the borrowers monthly liabilities, thus lowering the borrowers DTI. (A Divorce Decree is a Legal Binding Agreement)

Host :
Mark Jones
Founder of https://reviewmymortgage.com/
Branch Manager Directions Home Loan La Cantera
Top Producing Loan Officer
NMLS# 513437
Get in Touch with Mark.
https://lacanteraloans.com/loan-offic...


Listen to Weekly Industry Topic Discussions on all podcast platforms by visiting this link https://www.keyfactorspodcast.com/

Educational Podcast for Consumers, Mortgage & Real Estate Industry Professionals. We'll Talk About It All!  Key Factors podcast, powered by https://ReviewMyMortgage.com . 

Host : Mark A Jones Founder of ReviewMyMortgage.comProducing Branch MangerSr. Loan Officer. NMLS ID# 513437NMLS Consumer Access: http://www.nmlsconsumeraccess.org/Pow... by ReviewMyMortgage.com 

#SanAntonio #Texas #RealEstateNews #MortgageNews

Let's Talk about Inflation and how you can prepare to put yourself in a better position to weather the storm. 

Visit LaCanteraLoans.com to get your options. 

Visit https://www.millennialmarkettalk.com Subscribe to Apple Podcast, Spotify, iheart, Facebook, to listen on the go Daily. 



This is your Millennial Mortgage Update with Mark Jones, Producing, Branch Manager, of Directions Home Loan at La Cantera in San Antonio TX. Tune in to get your Daily Mortgage & Real Estate Update in Minutes from a Millennials Perspective. This is for Consumers and industry Professionals to stay current with what's going on in our world.



BONUS: 

Here are a Few Reason why someone would be denied for a mortgage. 



8 Reasons Why Mortgage Loans Are Denied In Underwriting

1. Your Credit Score Is Too Low

2. Your Debt-To-Income Ratio (DTI) Is Too High

3. The Loan-To-Value Ratio (LTV) Is Too High

4. Your Employment Status Recently Changed

5. You Have Unusual Bank Account Activity

6. There Are Problems With The Property

7. You Have A History Of Missed Mortgage Payments

8. The Appraisal Is Too Low


Host :

Mark Jones

Founder of https://reviewmymortgage.com/

Branch Manager Directions Home Loan La Cantera

Top Producing Loan Officer

NMLS# 513437

Get in Touch with Mark.

https://lacanteraloans.com/loan-offic...





Listen to Weekly Industry Topic Discussions on all podcast platforms by visiting this link https://www.keyfactorspodcast.com/



Educational Podcast for Consumers, Mortgage & Real Estate Industry Professionals. We'll Talk About It All!  Key Factors podcast, powered by https://ReviewMyMortgage.com . 



Host : Mark A Jones Founder of ReviewMyMortgage.comProducing Branch MangerSr. Loan Officer. NMLS ID# 513437NMLS Consumer Access:

San Antonio is continuing to show trends of Growth as we mosey on into 2022. Here are some stats about January Real Estate Production and data trends to keep up with.

Jan Housing Recap

• Total Homes Sold in Jan - 2,251
• Avg. Price = $351,226
• Median Price = $302,700
• Avg PPSqFt = $171
• Avg. Days on Market = 35
• Sold Segments 
  • Below $200k = 14.68%
  • $200k - 500k = 72.23%
  • Above $500k = 13.05%
• New Listings = 3,169
• Active Listings = 4,152
• Pending Sales = 3,159
• Months of Inventory = 1.2

Avg Medium Price Per County 

• Bexar = $287,950
• Travis = $555,0000
• Harris = $320,000

Visit LaCanteraLoans.com to get your options. 

Visit https://www.millennialmarkettalk.com Subscribe to Apple Podcast, Spotify, iheart, Facebook, to listen on the go Daily. 



This is your Millennial Mortgage Update with Mark Jones, Producing, Branch Manager, of Directions Home Loan at La Cantera in San Antonio TX. Tune in to get your Daily Mortgage & Real Estate Update in Minutes from a Millennials Perspective. This is for Consumers and industry Professionals to stay current with what's going on in our world.



BONUS: 

Here are a Few Reason why someone would be denied for a mortgage. 



8 Reasons Why Mortgage Loans Are Denied In Underwriting

1. Your Credit Score Is Too Low

2. Your Debt-To-Income Ratio (DTI) Is Too High

3. The Loan-To-Value Ratio (LTV) Is Too High

4. Your Employment Status Recently Changed

5. You Have Unusual Bank Account Activity

6. There Are Problems With The Property

7. You Have A History Of Missed Mortgage Payments

8. The Appraisal Is Too Low





Host :

Mark Jones

Founder of https://reviewmymortgage.com/

Branch Manager Directions Home Loan La Cantera

Top Producing Loan Officer

NMLS# 513437

Get in Touch with Mark.

https://lacanteraloans.com/loan-offic...





Listen to Weekly Industry Topic Discussions on all podcast platforms by visiting this link https://www.keyfactorspodcast.com/



Educational Podcast for Consumers, Mortgage & Real Estate Industry Professionals. We'll Talk About It All!  Key Factors podcast, powered by https://ReviewMyMortgage.com . 



Host : Mark A Jones Founder of ReviewMyMortgage.comProducing Branch MangerSr. Loan Officer. NMLS ID# 513437NMLS Consumer Access:

It's likely that changing jobs may affect your loan approval.

From your mortgage lender’s perspective, your employment history and income are most crucial to your ability to make your payments.

That being said, the details of your situation matter. Every scenario is different and deserves to be discussed to uncover and guide you through your options. 

But before accepting a new job — or if you’ve recently changed positions — you should consider the ways it may impact your home loan process.

Visit LaCanteraLoans.com to get your options. 

Visit https://www.millennialmarkettalk.com Subscribe to Apple Podcast, Spotify, iheart, Facebook, to listen on the go Daily. 



This is your Millennial Mortgage Update with Mark Jones, Producing, Branch Manager, of Directions Home Loan at La Cantera in San Antonio TX. Tune in to get your Daily Mortgage & Real Estate Update in Minutes from a Millennials Perspective. This is for Consumers and industry Professionals to stay current with what's going on in our world.



BONUS: 

Here are a Few Reason why someone would be denied for a mortgage. 



8 Reasons Why Mortgage Loans Are Denied In Underwriting



1. Your Credit Score Is Too Low

2. Your Debt-To-Income Ratio (DTI) Is Too High

3. The Loan-To-Value Ratio (LTV) Is Too High

4. Your Employment Status Recently Changed

5. You Have Unusual Bank Account Activity

6. There Are Problems With The Property

7. You Have A History Of Missed Mortgage Payments

8. The Appraisal Is Too Low





Host :

Mark Jones

Founder of https://reviewmymortgage.com/

Branch Manager Directions Home Loan La Cantera

Top Producing Loan Officer

NMLS# 513437

Get in Touch with Mark.

https://lacanteraloans.com/loan-offic...





Listen to Weekly Industry Topic Discussions on all podcast platforms by visiting this link https://www.keyfactorspodcast.com/



Educational Podcast for Consumers, Mortgage & Real Estate Industry Professionals. We'll Talk About It All!  Key Factors podcast, powered by https://ReviewMyMortgage.com . 



Host : Mark A Jones Founder of ReviewMyMortgage.comProducing Branch MangerSr. Loan Officer. NMLS ID# 513437NMLS Consumer Access:

Daily Millennial Mortgage Update | Mark Jones

Article Link - https://www.bankrate.com/mortgages/march-2022-mortgage-rate-outlook/

Visit https://www.millennialmarkettalk.com Subscribe to Apple Podcast, Spotify, iheart, Facebook, to listen on the go Daily. 

This is your Millennial Mortgage Update with Mark Jones, Producing, Branch Manager, of Directions Home Loan at La Cantera in San Antonio TX. Tune in to get your Daily Mortgage & Real Estate Update in Minutes from a Millennials Perspective. This is for Consumers and industry Professionals to stay current with what's going on in our world.

BONUS: 

Here are a Few Reason why someone would be denied for a mortgage. 

8 Reasons Why Mortgage Loans Are Denied In Underwriting

1. Your Credit Score Is Too Low

2. Your Debt-To-Income Ratio (DTI) Is Too High

3. The Loan-To-Value Ratio (LTV) Is Too High

4. Your Employment Status Recently Changed

5. You Have Unusual Bank Account Activity

6. There Are Problems With The Property

7. You Have A History Of Missed Mortgage Payments

8. The Appraisal Is Too Low

Host :

Mark Jones

Founder of https://reviewmymortgage.com/

Branch Manager Directions Home Loan La Cantera

Top Producing Loan Officer

NMLS# 513437

Get in Touch with Mark.

https://lacanteraloans.com/loan-offic...

Listen to Weekly Industry Topic Discussions on all podcast platforms by visiting this link https://www.keyfactorspodcast.com/

Educational Podcast for Consumers, Mortgage & Real Estate Industry Professionals. We'll Talk About It All!  Key Factors podcast, powered by https://ReviewMyMortgage.com . 

Host : Mark A Jones Founder of ReviewMyMortgage.comProducing Branch MangerSr. Loan Officer. NMLS ID# 513437NMLS Consumer Access: