Did you know VA buyers can have closing costs—but they can’t pay certain fees, and sellers can cover some or all of them with concessions? 🎯 Too many veterans miss out on homeownership because of myths and misinformation. ✅ Want to know exactly what’s allowed? ✅ Need strategies to reduce…
Richard was very helpful and made the process of getting a loan stress free! He was always readily available. As first time home buyers, we knew nothing about loans and he helped educate us and answer any questions we had.
I can’t tell you how many times a client has said, “I didn’t even know I was supposed to ask that.” So let me help you out—because asking the right questions can save you serious money and stress when you’re buying a home. 👇 Here are 4 questions I always…
I love the moment I get to say: “You’re pre-approved!” But right after that, I always follow up with this 👇 “Don’t go buying a car. Or new furniture. Or booking that vacation just yet…” Because here’s what most people don’t realize: Your mortgage isn’t a done deal until closing.…
I’ll never forget the text I got from a client after she closed on her first home: “Why didn’t anyone tell me about the homestead exemption?! I’m literally leaving money on the table.” And that’s when I realized—most buyers don’t regret buying a home… They regret not knowing a few…
You’re about to buy a home and you’re thinking: “Should I offer $390K instead of $400K just to save a little?” But what if you flipped the strategy? What if you offered full price, but asked for something even smarter? Instead of offering $390K, offer $400K — but ask the…
Most people think about saving money on their mortgage… But what if you thought about saving time instead? Imagine waking up 10 years earlier without a mortgage hanging over your head. 10 more years of freedom. 10 more years of traveling, memories, and peace of mind. And it all starts…
You know how HGTV makes it look like you just grab your keys, pop a bottle of champagne, and boom—you’re living your best life in your new home? 🥂🏡 Well…they forgot a few chapters. Like the part where you’ll need cash for moving trucks, setting up utilities, new locks, maybe…
🎖️ Attention Active Duty Service Members & Veterans! 🇺🇸 Looking to buy a home using your VA benefits? Download the VA Loan Educator App — your all-in-one resource for everything VA Home Loan related. Whether you're just starting to explore your options or ready to buy, this app breaks down…
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Navigating the Home Inspection and Its Impact on Financing 🏡 Thinking about buying a home? The home inspection isn’t just a checklist—it can seriously affect your mortgage approval and loan terms. In this episode, Richard Sarey breaks down the role of the inspection in the homebuying process and how certain…
What Is an Amortization Schedule and Why It Matters Ever wonder how your mortgage payment is split between interest and principal? Or why your balance doesn’t seem to drop much at the beginning? 🤔 In this episode, Richard Sarey breaks down the amortization schedule—what it is, how it works, and…
Join Richard Sarey, host of Helping Heroes Become Homeowners, as he breaks down the ins and outs of interest-only mortgages—what they are, how they work, and whether they’re the right move in today’s market. Are they a smart strategy for investors or a risky bet for homebuyers? Get the facts…
📈 NEW VIDEO ALERT! 🏠💸 How Rising Property Taxes Could Impact Your Mortgage Budget in 2025 If you're thinking about buying a home—or already own one—2025 could bring some surprises to your budget. With property taxes on the rise, your mortgage payment might not be as predictable as you think.…
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Are you wondering what happens behind the scenes of the mortgage underwriting process? 🤔 Our latest video, "What to Expect During the Mortgage Underwriting Process," breaks it all down in simple terms! Join Richard Sarey, host of the Helping Heroes Become Homeowners Podcast and founder of Alliance Mortgage Group, as…
Being self-employed has its perks—freedom, flexibility, and unlimited earning potential—but when it comes to getting a mortgage, it can feel like an uphill battle. In this video, Richard Sarey breaks down the best mortgage products designed specifically for self-employed buyers. Learn about bank statement loans, no-income verification options, DSCR loans…
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In this episode of Helping Heroes Become Homeowners, host Richard Sarey sits down with Chris Cox, a seasoned real estate agent with Compass, to break down what 2025 has in store for the housing market. With nearly two decades of experience in the North Texas real estate scene, Chris brings…
2025 Homebuyers and Refinancers: Don’t Overlook These Tax Perks👇 Here’s the breakdown: ✅ Discount Points for Your Loan – Deduct points paid to lower your mortgage rate (even if the seller covered them). Remember, these are a percentage of the loan amount—application and processing fees don’t count! ✅ Points from…
🏡 New Video Alert! 🎥 "Mortgage Insurance Explained: Is It Worth Dropping This Year?" 🤔 Are you still paying for mortgage insurance and wondering if it’s time to drop it? In this video, Richard Sarey from Alliance Mortgage Group breaks down everything you need to know: ✅ When you can…
Planning to buy a house with your partner [ in your city?] Make sure you’re both on the same page with these 15 essential questions! 1. What’s our ideal timeline to buy? 2. How much of our monthly income are we comfortable putting toward a mortgage? 3. Do we have…
The average person spends money on things like: $100/month on meal delivery services (UberEats, DoorDash, etc.) $500/year on concert and event tickets $400/month on car payments for a luxury ride $200/month on beauty treatments (salons, skincare, nails) $3,000 on the latest tech (phones, tablets, smartwatches) $100/month on premium workout classes…
🚨 Top 5 Red Flags That Could Delay Your Mortgage Approval! 🚨 Are you getting ready to buy a home? Don't let these common mistakes slow down your mortgage approval! In our latest video, Richard Sarey, founder of Alliance Mortgage Group, breaks down the Top 5 Red Flags that can…