@ellismortgageteam: 💳 Thinking of paying off debt before applying for a mortgage? DON’T… at least not without talking to us first! 👀 👉 Paying off debt at the wrong time could tank your mortgage approval. 👉 Learn the smart way to prep your finances so you can buy with confidence! Search Mortgages and Merlot on YouTube for the full episode, we break it all down over a glass of wine 🍷🏡 #mortgagetips #firsttimehomebuyer #debtpayoff #homebuyingjourney #homebuyingadvice #financialtips #mortgagesandmerlot #tiktokrealestate #DreamHomeReady

DeAnn Ellis Davidson
DeAnn Ellis Davidson
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Region: US
Wednesday 25 June 2025 15:38:14 GMT
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samanthaelizabeth9
SamanthaElizabeth :
I paid off $30k in debt. Sitting at a 570 becauuuuuse I only have $1500 in debt. Up to date on it and everything. Can’t get a mortgage and make $70k a year without overtime. Our credit score calculations are so messed up.
2025-06-25 22:57:17
187
jenniferleblancbe
Jennifer LeBlanc Bel :
Please talk about PMI insurance. I think that is a joke and adds hundreds of dollars on a monthly note.
2025-06-26 02:39:29
17
melissastephenson0
Melissa Stephenson :
I’m just gonna be honest I have been trying to work on my credit for the past two years. Finally got it past the 500. I’m at 610 and still can’t get approved or even a personal loan. This whole credit thing is so frustrating.
2025-06-26 00:05:18
37
gabriellefarlow
Gabrielle Lauren Farlow :
Our mortgage lenders told us to pay off my husbands truck and then said he didn’t qualify for a conventional loan because his credit dropped to a 680 because of the now closed account so back to a FHA loan with pmi 🫠
2025-06-25 23:18:32
14
lin.gar
Linds :
My mom wants to use my dads va loan options and put me on the loan as well, my credit is 570 and I was told no I couldn’t be on the loan.
2025-06-25 21:23:40
6
aggie_princess11
aggie_princess :
What condition does you federal student loans need to be in for FHA loan?
2025-06-27 23:16:04
12
tyree494
Tyree :
Do you have programs for land only?
2025-06-26 01:48:57
5
bethlynn80
Beth Lynn :
West Virginia ?
2025-06-26 14:43:30
5
rissarizzle
marissasells210 :
Yes as a realtor I have so many people that think they need a 700 credit score with 20% down and I’m like noooo you don’t need that 🙈
2025-07-08 17:10:13
21
c.s.u.l.l.y
Chelcy Sullivan :
Do you offer mortgages for homes in Kentucky?
2025-07-01 16:40:00
8
timothydewaynejones
Timothy Dewayne Jone :
I need help
2025-07-01 16:02:14
5
solarguy233
Solarguy23 :
Yall did my mortgage in Oxford Ga in 2004
2025-07-01 09:50:38
8
the.relatable.files
TheRelatableFiles :
How do I find someone like you in Ohio ? 😂 educate me 😂
2025-06-27 17:37:57
5
johntseng5
John Tseng :
South Dakota?
2025-07-01 12:37:57
5
lskt_
Lori Sue :
Florida?
2025-06-26 00:42:11
5
norman3l
user2050205892051 :
Can you all help in Missouri?
2025-07-01 19:52:33
6
stevieeebaddd
Stevie Latil :
Can you help with Louisiana?
2025-06-27 14:34:10
8
jamisonparrish358
jamisonparrish358 :
VA loan??
2025-07-01 04:27:46
5
garrettmayo31
Garrett Mayo :
Ny??
2025-10-31 05:51:44
2
rowdy_texasjam
Rowdy 🌈 :
Texas?
2025-06-27 22:14:24
2
tracy99557
tracy9955 :
Ohio?
2025-06-27 00:06:23
2
jenniferconley421
Jennifer Conley :
Are y’all in NC?
2025-07-15 00:18:22
2
elcanikonmtz
Jose Martinez :
Do you offer mortgage in Georgia?
2025-11-14 10:22:40
3
dacsn0
D'acs :
help in state of CA?
2025-06-26 16:47:13
2
kslayed15
K Slay :
Do you have sources in Charlotte nc
2025-08-20 08:36:44
3
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