L.May Creations

08/06/2024

Interest rates have been dipping lower these last couple of days, if you purchased or refinanced in the last two years or so, now might be a good time to take a look and see if a refinance will save you some money.

Rather your looking to lower your monthly payment, consolidate debt or do a cash out refinance, lets take a look and see if a refinance is something that would be in your best interest at this time!

lets get you on my schedule for a free mortgage consultation, email me at [email protected] , NMLS #1022301

07/19/2024

Happy Friday everyone 🥰❤️🤗

07/13/2024

Congratulations to this beautiful young Attorney CheyAnne on the purchase, of this lovely multi unit. It was a pleasure in assisting you on getting to the finish line in under 30 days.

Cheyanne’s agent, Kyla Tatiyanna Hawkins called me about a program for her client to purchase a 3-4 unit without dealing with FHA Self-Sufficiency guidelines and I had just the program.

It’s always a pleasure helping my clients reach their Real estate goals. Mortgage NMLS #1022301 .

Thanks for trusting us!

04/02/2024

Movie alert, “The Candy Store” this was so much fun and it was a pleasure working with the cast and crew. Thank you Tony Santos, Bo Simmons and Will Gates. Shirley Fields, you did an amazing job! 😘 Movie Premier coming soon! ❤️🎊🎊

Unlock the door to terror. The Candy Store’s twisted secrets await…Feel the spine-chilling suspense as Bo Simmons & Will Gates take you through a heart-pound...

03/08/2024

Celebrating all the strong, powerful, and amazing women out there today and every day 💪 Happy International Women’s Day.

Rather you are working at home as a mother, working for your business, a business or out in these streets hustling one or multiple industries, I see you, I love you and I congratulate each and everyone of you!

02/27/2024

Navigating Your Mortgage – Critical Questions to Ask

🏡✨ Navigating your mortgage can feel like a maze, but I’m here to help you find your way. Before you dive in, make sure to ask your lender these critical questions:

1️⃣ “How long will the loan process take from application to closing?” – This helps you plan your move or any other related activities. And besides, who doesn’t like a timeline to plan around?

2️⃣ “Are there any prepayment penalties on the mortgage?” – Knowing this can affect how you plan to pay off your mortgage over time.

3️⃣ “How will changes in the market affect my mortgage rate, and is it possible to lock in a rate? If so, how long will the rate be locked?” – This helps you understand your financial commitment and how market changes could impact it

Knowledge is power, especially when it comes to mortgages. Let’s chat and make sure you’re equipped with all the right info! comment YES to get started 🗝️

NMLS #1022301

02/14/2024

HAPPY VALENTINE’S DAY

💕🏠 Roses are red, violets are blue, this Valentine’s Day, let’s secure the Perfect Mortgage Just for You! 😉. 1022301 May

02/05/2024

Refinancing Explained

Thinking about refinancing your home? 🏡✨ Let’s decode this world together!

✅ Lower monthly payments: You do not have to drown in monthly debt. You can consolidate your car payment and credit cards into a lower monthly payment.

✅ Timing is Key: If you have more money going out to pay multiple bills, then yes it is the right time to refinance and refinancing can save you more than you think.

✅ Rewards Beyond Savings: Refinancing isn’t just about saving money. It’s about reshaping your financial future.

✅ Tailored Options: One size doesn’t fit all. We’ll explore options that align with your unique needs. May be adding a second mortgage to consolidate your debt to keep your 1st mortgage rate is the best option for you.

Ready to dive deeper into refinancing? Drop a “YES” or hit my inbox and let’s start this rewarding journey!


Explained
Letrusia May Rocket Mortgage. #1022301

02/02/2024

Commit to the goals you set and never look back. If something is important enough, even if the odds are against you, you should still do it and you can do it! I have witnessed some of the best dreams and goals come to fruition from hard work and dedication! This is your year, you got this!

01/29/2024

Transform Your Tax Refund into a Down Payment Dream!

🏡✨ Got a tax refund and dreaming of your own place? Let’s talk about turning that refund into your down payment!

🌟 Assess Your Refund: First things first, check how much you’ve got from your tax refund. It could be more than you think!

💡 Create a Savings Plan: Combine your refund with a savings plan. Even small amounts add up and bring you closer to your dream home.

🏦 Explore Down Payment Assistance: Many programs can help boost your down payment. Your tax refund could be the key to unlocking these opportunities.

📚 Educate Yourself: Understand the home buying process. Knowledge is power, especially when it comes to mortgages and real estate.

So, don’t just dream about a home, make it happen! Your tax refund is a great stepping stone. Use it wisely and take one step closer to turning that key in your new front door! 🗝️ 1022301 Letrusia May Rocket Mortgage

01/23/2024

Opening New Doors in 2024! 🏡 Let’s craft the perfect mortgage plan tailored to your needs and make your homeownership dreams a reality.

➡️ Conventional Mortgages: Ideal for those with strong credit and savings, offering flexibility with down payments as low as 3%.

➡️ FHA Loans: A great option for those with decent credit, featuring low down payments, suitable for first-time buyers with down payments as low as 3.5%

➡️ VA Loans: Exclusively for veterans and military families, offering 0% down payment and reduced closing costs.

➡️ USDA Loans: Focused on rural homebuyers, providing low to no down payment options and reduced mortgage insurance costs.

➡️ Fixed-Rate Mortgages: Best for long-term stability, with consistent monthly payments over 15 or 30 years.

➡️ Adjustable-Rate Mortgages (ARM): Suitable for short-term homeowners, offering lower initial rates that adjust after a set period.

Each option offers unique benefits tailored to various financial situations. Ready to discover your perfect fit? DM me to kickstart your personalized mortgage plan. Let’s turn your dream home into a reality! 🗝️ Letrusia May NMLS #1022301 Licensed in Illinois and Indiana

01/15/2024

Happy Martin Luther King Jr. Day!

🎉 As we celebrate Dr. King’s iconic dream today, let’s jazz up the world of mortgages with a bit of that dreamy spirit. It’s not all calculators and interest rates here; we’re in the business of making home dreams come true for everyone! 🌟🏡

Inspired by Dr. King’s vision of equality and opportunity. I am here to help each person grab their slice of the world, turning ‘someday’ into ‘today’ when it comes to owning a home. 🗝️

So, here’s to making those homeownership dreams a reality, one happy dance at a time. Let’s keep building vibrant, inclusive communities where everyone gets to say, ‘Yep, this is my place!’ Happy MLK Day – let’s keep those dreams rolling!

Lets get started on making your property dreams a reality! NMLS #1022301

01/12/2024

Mortgage Application Tips

Today, let’s dive into some essential tips for acing your mortgage application. It’s all about being prepared and knowing the ropes

🔍 Check Your Credit Score: It’s the cornerstone of your application. A strong score not only improves approval chances but can also snag you better interest rates. Time to polish that credit history! 💳🌟

📑 Gather Your Documents: Being organized is half the battle won. Have your pay stubs, tax returns, and bank statements at the ready. This level of preparation makes the process smoother and faster. 📂💨

💰 Understand Your Budget: Know what you can realistically afford. Factor in not just the mortgage, but also taxes, insurance, and maintenance costs. It’s about finding a comfortable monthly payment. 🏠💸

🤝 Be Transparent: Honesty is the best policy. Full disclosure of your financial situation helps in tailoring a mortgage plan that fits you perfectly, avoiding future surprises. 🌈🔑

Ready to take the plunge? As your mortgage ally, I’m here to guide you every step of the way. Let’s turn that home dream into a concrete plan! Drop a message or call to start your journey. Ask me about our 1% Down ONE + Program. NMLS #1022301

01/09/2024

New Year, New Home Loan Goals? Let’s Find Your Perfect Mortgage Match!

Is ‘Snagging the Keys to My Own Place’ high on your 2024 resolution list? If you’re nodding yes, you’re about to embark on one exciting adventure! 🌟

But first things first: Let’s talk mortgages. Not just any mortgage, but the one that fits you like a glove. Think of it as matchmaking but for your finances. 💰

Finding the right mortgage can be like finding the perfect pair of jeans – it might take a few tries, but when you find THE ONE, it just feels right. Whether you’re after the stability of a fixed rate or the flexibility of an ARM, I’m here to help you swipe right on your ideal mortgage.

And the best part? I’ll be with you every step of the way, from deciphering the jargon to popping the champagne when you’re finally holding those keys. 🍾🔑

So, ready to make ‘Find My Perfect Mortgage’ your favorite checked off 2024 task?

Drop a comment or send me a message, and let’s make your home ownership dream a reality – one perfect mortgage at a time! Letrusia May Rocket Mortgage #1022302

……

12/27/2023

Vocab – Home Equity Loan

Ah, Home Equity Loan or HEL—a jumble of letters that sounds more like a board game than a financial instrument. But in the real estate world, a Home Equity Loan, is your golden ticket to homeowner wizardry. You can access the cash in your home without touching your first mortgage loan/interest rate.

A home equity loan—also known as an equity loan, home equity installment loan, or second mortgage—is a type of consumer debt. Home equity loans allow homeowners to borrow against the equity in their homes. The loan amount is based on the difference between the home’s current market value and the homeowner’s mortgage balance due.

Think of it as your home’s secret stash of cash. This magical loan lets your home’s equity moonlight as collateral, giving you a pool of funds to play with. Sprucing up the kitchen? Go for it. Eyeing a down payment on a swanky new pad? Dive in. It’s your own domestic ATM$

You can use this Equity$ to pay down debt, complete some home improvements, down payment for another property purchase, funds to start a new business or to make the purchase of your dreams.

Contact me for more information. , Letrusia May #1022301

12/05/2023

Your purchases of STUFF (shoes, purses, clothes and etc.) won’t appreciate – real estate does!$$$$$$

You heard it here first! Real estate is the closest thing to the proverbial pot of gold.💰🌈

Caught in the Neiman aisles again? 😄 Remember, while those finds are great, they won’t appreciate like real estate! As your go-to mortgage broker, I’m here to help you invest in something that grows in value.

🏡📈 Swap your shopping spree for a property key! Let’s turn your real estate dreams into reality.

Learn to let your money work for you!

Give me a shout! Executive Loan Officer Rocket Mortgage #1022301 773-909-9002 , ,

Private Event Space Available for rent. Creative Card boxes, Theme party decorator, Sweet Tables wit

06/15/2023

Host your next dinner party with us. Let our mirrored table be the talk of the night 💫💫💫

With our attention to detail, versatile spaces, and exceptional amenities, we'll create an atmosphere that will exceed your expectations. Our experienced team is dedicated to making your event a success, handling every detail so you can relax and enjoy the celebration. 🥰🥳🤩

Inquire below ⤵️⤵️⤵️
https://www.honeybook.com/.../cf_id/61e6f11b746c3e100a4af9ef

06/05/2023

05/10/2023

Congratulations 🎉🎊

Johnson builds on Chicago For The People subcommittees’ formation with nearly 400 appointees from business, government, and activism

12/23/2022

Happy Holidays everyone. We went with a Princess Tiana Christmas Tree This year. Merry Christmas. ❤️❤️

12/13/2022

Understanding The Mortgage Closing Process

Hey you, did the offer you just put in on your dream home get approved by the seller? Congrats! Now what?

You’ll soon be going through the mortgage closing process and to prep you, here’s what you can expect:

1. First you need to get pre-approved before you look at homes
This allows the lender to review your credit score, income, assets, and liabilities. You should be answering all questions and concerns throughout this process

2. Work with a reputable real estate agent
To find your dream home and sign a purchase contract.

3. Open escrow (Earnest Money)
This is where you put money down in ‘good faith.’ This tells sellers you’re a serious and qualified buyer

4. The lender (Me 😉) orders an appraisal and title work on the property

This information tells the lender if the home is a good risk

5. Clear any outstanding conditions to get to a ‘clear to close’, you will have to provide any required documentation by the lender.

6. Close on your loan
Once you have the ‘clear to close,’ you’re free to close on the loan and take ownership of the home.

11/30/2022

11/29/2022

Family Time Holiday Special Christmas and Christmas Eve. Both Floors for 8 hours for $1000.00 Space rental. Tables and chairs included. 50% Non-refundable deposit required. $200 refundable deposit required with final payment. Decorations not included.

https://www.lmaycreations.com/

11/20/2022

When being fruitful and multiplying pays off‼️

11/10/2022

Its Getting Chili In SOUL CITY! Our First Ever Chili Cook-OFF Is THIS SATURDAY! You don't want to miss this! 1-6pm at 5820 W Chicago Ave

11/01/2022

Are you a business owner looking to enhance your business’s presence on social media? Or are you looking to find out what platforms are best for your business? Join us November 10th from 5-7PM for a FREE social media marketing workshop for business owners!

Register at
https://apictureisworth1000wordsworkshop.eventbrite.com

Come out, learn and stay for our social hour honoring the winners of The My Black-Owned Collaboration featuring and !