#Home Loan Pensacola

[cumortgagexpress]

Mortgage Lending Services | CU Mortgage Xpress - Trusted Home Loan Solutions

CU Mortgage Xpress provides reliable and personalized mortgage lending services to help you secure the perfect home loan. Whether you're a first-time homebuyer, refinancing your current mortgage, or investing in property, our team of experienced professionals is dedicated to guiding you through every step of the mortgage process. We offer a variety of loan options, competitive rates, and flexible terms tailored to meet your financial needs. With a commitment to exceptional customer service and expert advice, CU Mortgage Xpress makes homeownership accessible and stress-free. Explore our mortgage lending solutions and start your journey to homeownership today.

[myharvesterscu]

Home Loans with Harvester's Credit Union | Competitive Rates & Flexible Terms

Explore home loan options with Harvester's Credit Union for your dream home. We offer competitive rates, flexible terms, and personalized service to help you secure the perfect mortgage. Whether you’re buying your first home, refinancing, or looking for a home equity loan, our experienced team is here to guide you through the process and find the best solution for your needs. Start your home loan journey with Harvester's Credit Union today and achieve your homeownership goals.

[myharvesters]

RV Loans - Credit Union Services near Pensacola, FL

We offer great loans to get your family camping, boating and riding with the wind in their hair!

[gregnrealestate]

Unveiling Florida's Resilience: From Storm Ravaged Counties to Empowered Communities

A Day of Devastation: The Impact of Nature's Fury

Amidst the chaos left in the wake of severe storms and tornadoes, Florida Governor Ron DeSantis has stepped up to extend a state of emergency, now encompassing Escambia and Santa Rosa counties. The move comes in response to the devastation wrought by the recent weather events, which left tens of thousands without power and communities grappling with the aftermath of fallen trees, power lines, and…

[bantucola]

Check out the Gulf Coast Black Business of the Day: Lonnie Cowan of Keller Williams Realty Gulf Coast Learn More: https://tinyurl.com/2gn3pfze #blackowned #blackbusiness #buyblack #spend$20 #showyourreceipts #supportblackbusiness #local #gulfcoast #groupeconomics

[jayconner-raisingprivatemoney]

Creating Wealth in Real Estate: Insights from Chris Linger’s $270M Portfolio

https://www.jayconner.com/podcast/episode-200-creating-wealth-in-real-estate-insights-from-chris-lingers-270m-portfolio/

Raising private money without the need to ask for it directly is a skill that not many possess. However, Chris Linger, a seasoned real estate investor and accredited investor, has mastered this art. As a general partner in nine apartment syndications, encompassing over 1,750 apartments valued at $270M, Chris has a wealth of knowledge to share. In a recent enlightening conversation with Jay Conner on the Raising Private Money” podcast, Chris detailed his journey and provided invaluable insights into real estate investing, raising private funds, and scaling one’s business.

From Humble Beginnings to Investing Powerhouse

Like many successful investors, Chris Linger began his venture into real estate with modest beginnings. While serving in the military, he faced a dilemma that many in the armed forces encounter—frequent relocations. Chris’s journey began in Pensacola, Florida, where he was unable to sell his home during a move in 2007. This necessitated renting out the property, unknowingly planting the seeds of his future real estate empire.

The Power of Partnership

Chris attributes much of his accelerated growth in real estate to his partnership with his wife Maricela. When they met in 2017, they discovered a mutual interest and synergy in real estate investing. By pooling their resources, Chris and Maricela began purchasing properties, starting with small quadplexes and gradually scaling up. This partnership was not just limited to pooling financial resources but extended to strategic decision-making and support, allowing them to take more calculated risks and bigger steps toward their goals.

The Shift to Raising Private Money

Their foray into raising private money began out of necessity when a lucrative opportunity arose unexpectedly. With funds tied up in another project, Chris and Maricela turned to individuals who had shown interest in investing with them. Instead of approaching institutional lenders—which could be time-consuming—they offered their potential investors short-term loans to fund their project. This approach not only sped up the process but also laid the foundation for future private money-raising endeavors.

The Benefits of Private Money

One of the significant advantages of private money, as highlighted by Chris, is speed. Real estate transactions, especially those involving wholesalers, often require swift action. Private money allows for rapid closings, enabling investors to seize time-sensitive opportunities. Chris also pointed out the value of teaching potential investors about private money, including the use of self-directed IRAs for tax-advantaged returns—an approach that aligns well with Jay Conner’s philosophy of educating rather than pitching.

Scaling Up: Beyond One-on-One Conversations

To scale beyond one-on-one interactions and raise over $20 million in less than four years, Chris leveraged various platforms. Networking at events, attending webinars, participating in podcasts, and maintaining a strong social media presence played significant roles. By consistently sharing their successes and educational content, Chris and Maricela built credibility and attracted a larger pool of investors.

Lessons Learned and Avoiding Pitfalls

Through their journey, Chris and Maricela have learned valuable lessons, some from costly mistakes. One major lesson was the importance of maintaining control of investment opportunities. While initially partnering with others for asset management, they realized the importance of direct oversight to ensure optimal property management and investment performance. Additionally, as lenders themselves, they learned to structure longer-term notes with interest rate increases to mitigate the opportunity costs of tying up capital for extended periods.

Diversifying Through Business Coaching

Beyond real estate, Chris and Maricela are elite business coaches affiliated with Grant Cardone’s 10x community. They coach entrepreneurs on growing their businesses and creating passive income streams. By offering services including business boot camps, sales, and marketing training, they help others achieve accelerated success. This coaching program not only provides an additional revenue stream but also strengthens their network, further supporting their real estate ventures.

Up-Plex: Elevating Real Estate and Business

Chris and Maricela’s company, Up-Plex, embodies their mission to elevate others through real estate investing. Up-Plex offers opportunities for passive investors to benefit from Chris and Maricela’s extensive experience and success in multifamily investments. The company focuses not just on financial returns but also on improving properties and tenant experiences.

Key Questions for New Investors

For those new to passive investing, Chris advises asking key questions before committing to a syndication. Understanding the experience of the syndicators, reviewing past performance, asking for referrals, and ensuring transparent communication are crucial steps. These questions help potential investors gauge the reliability and expertise of the investment managers, ensuring their money is in capable hands.

Conclusion

Chris Linger’s journey from military service to a multifamily real estate mogul is a testament to the power of strategic investing, partnership, and continuous learning. By sharing his experiences and insights, Chris offers a roadmap for aspiring investors to follow. Whether through direct investments like Up-Plex or through educational platforms, Chris and Maricela continue to elevate the field of real estate investing, proving that with the right approach, building a multimillion-dollar portfolio is within reach.

10 Discussion Questions from this Episode:

Chris Linger mentioned transitioning from small rental portfolios to larger commercial real estate and apartment syndications. What steps did he take to make this transition successful?

How did Chris Linger and his wife manage to raise over $20,000,000 in private money in less than four years? What strategies did they employ to achieve this?

Speed is often cited as a major advantage of using private money. Can you discuss other benefits and potential drawbacks of using private money for real estate investments?

Chris emphasized the importance of educating potential investors and sharing success stories. How can new investors effectively communicate their successes to attract private money?

Both Chris and Jay mentioned never having to “pitch deals” to raise private money. What are some of the key differences between educating potential investors and pitching them a deal?

Chris discussed his experience as both a private money raiser and provider. How can being involved on both sides of private money lending provide valuable insights and advantages?

One of the key lessons Chris mentioned was ensuring a higher level of control over investment opportunities. Why is this important, and how can investors achieve more control in their deals?

Chris and his wife also coach other business owners and entrepreneurs. How might business coaching skills translate to successful real estate investing, particularly in raising private money?

Chris suggests that new private lenders ask syndicators about their team, their track record, and whether they’ve ever lost an investor’s money. What other questions could potential investors ask to safeguard their investments?

The episode highlights the role of networking and attending events in raising private money. What are some effective ways to network with potential investors, both in-person and online?

Fun facts that were revealed in the episode:

Chris Linger and his wife Maricela impressively raised over $20 million in private money in less than four years, showcasing their rapid success in the real estate investment world.

Initially, Chris and his wife managed all of their real estate investments on their own, including single-family homes and smaller multi-family properties, before transitioning into larger syndication deals.

Chris Linger has a robust background serving 26.5 years in the military, where he also took on the role of program director for his nursing specialty, highlighting his extensive leadership and mentoring experience.

Timestamps:

00:01 Raising Private Money Without Asking For It

06:32 Benefits of private money: speed and flexibility.

09:23 Educating about private money and self-directed IRAs.

12:07 Real estate networking, education, and targeted outreach.

14:45 Building control in opportunities for private money.

20:44 Connect with Chris Linger:

https://www.Up-Plex.com  

23:27 Question team size, experience, and challenges faced.

25:32 Value consistency, accountability, and direct communication.

27:58 Jay Conner’s Free Money Guide:

https://www.JayConner.com/MoneyGuide

Private Money Academy Conference:

https://www.JaysLiveEvent.com

Free Report:

https://www.jayconner.com/MoneyReport

Join the Private Money Academy:

https://www.JayConner.com/trial/

Have you read Jay’s new book: Where to Get The Money Now?

It is available FREE (all you pay is the shipping and handling) at

https://www.JayConner.com/Book

What is Private Money? Real Estate Investing with Jay Conner

https://www.JayConner.com/MoneyPodcast

Jay Conner is a proven real estate investment leader. He maximizes creative methods to buy and sell properties with profits averaging $67,000 per deal without using his money or credit.

What is Real Estate Investing? Live Private Money Academy Conference

https://youtu.be/QyeBbDOF4wo

YouTube Channel

https://www.youtube.com/c/RealEstateInvestingWithJayConner

Apple Podcasts:

https://podcasts.apple.com/us/podcast/private-money-academy-real-estate-investing-with-jay/id1377723034

Facebook:

https://www.facebook.com/jay.conner.marketing

Listen to our Podcast:

https://www.buzzsprout.com/2025961/episodes/15736433-creating-wealth-in-real-estate-insights-from-chris-linger-s-270m-portfolio

[pensacoladreamliving-blog]

Getting Pre-Approved is the first and one of the most important requirements when house hunting! As we move into the hotter months for real estate, the number of buyers searching for homes is increasing. One way to stand out and show a seller your serious is by getting pre-approved for a mortgage before starting your search. It’s highly recommended you start working with a lender even before you start your home search, that way you know how much you can spend and make sure you’re looking in the right price range for a home. . . . . #preapproval #mortgagebroker #househunting #property #realtor #pensacola #pensacolabeach #home #gulfbreeze #loan (at Gulf Breezes, Gulf Breeze, Florida) https://www.instagram.com/p/BzLFXjfjQ3m/?igshid=lm2y1ttojukg

[cumortgagexpress]

Web Accessibility Commitment - CU Mortgage Express

At CU Mortgage Express, we are dedicated to ensuring our website is accessible to all users, including those with disabilities. We continually strive to enhance our web accessibility features to provide an inclusive online experience. Our commitment is to meet or exceed web accessibility standards, ensuring everyone can access and navigate our services with ease.

[myharvesterscu]

Would your bank let you take a Break from paying?

Attention all banking enthusiasts! Did you know that Harvesters Credit Union is here to revolutionize the way you think about banks? Imagine a world where your bank allows you to take a break from paying! Say goodbye to financial stress and hello to freedom.

[pensacolalistingagent-blog]

Whether you are looking to buy and/or sell property in the Gulf Coast area, Monica is devoted to listening and learning about her clients' needs. Her integrity, energy, hard work, and creative service will be reflected in all aspects of your real estate transaction. Since she is a life-long resident of the Pensacola area, she has significant expertise and knowledge of this real estate market. In addition, she is a Military Relocation Professional, so she is familiar with processes and procedures involved in a military relocation and how these impact service members’ relocation and housing choices. She provides excellent service and works very hard to help service members purchase suitable homes. She is very familiar with the VA loan process from start to finish.

Monica Mortara, Levin Rinke Realty - Real Estate Agent Pensacola Beach 10 Portofino Dr Floor 2, Pensacola Beach, FL 32561 (850) 565-7600

 https://monica.realestateagentpensacola.com/

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[realestateagentpensacola-blog]

Best Real Estate Agent in Pensacola

Whether you are looking to buy and/or sell property in the Gulf Coast area, Monica is devoted to listening and learning about her clients' needs. Her integrity, energy, hard work, and creative service will be reflected in all aspects of your real estate transaction. Since she is a life-long resident of the Pensacola area, she has significant expertise and knowledge of this real estate market. In addition, she is a Military Relocation Professional, so she is familiar with processes and procedures involved in a military relocation and how these impact service members’ relocation and housing choices. She provides excellent service and works very hard to help service members purchase suitable homes. She is very familiar with the VA loan process from start to finish. Monica Mortara, Levin Rinke Realty - Real Estate Agent Pensacola Beach 10 Portofino Dr Floor 2, Pensacola Beach, FL 32561 (850) 565-7600 https://realestateagentpensacola.com/ Facebook Tumblr Zillow Linkedin Wordpress Blogspot Brownbook Merchantcircle Google Maps Nearbynow

[natasjakjpriscilliamo78insu-blog]

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[bantucola]

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[thefinancialpyramid]

How to Use Life Insurance as Collateral for a Loan

If you’re trying to launch a business or borrow money for another purpose, you might be able to get a leg up from an unexpected source: Your life insurance policy.

The way it works is called a collateral assignment. The arrangement “is a lien, in essence, against the proceeds of an insurance policy,” says Michael E. Gray, Jr., owner of MEG Financial in Pensacola, FL. If the borrower dies before the loan is paid off, the lender gets first dibs on the death benefit to pay off the outstanding loan balance, and any remaining death benefit goes to the policy’s other beneficiaries.

“It’s very straightforward. That life insurance is there so that if something happens, it’s less of a risk for the lender,” says Curtis Johnston, vice president and wealth advisor at King of Prussia, Penn.-based Girard.

Using a policy as collateral for a loan is sometimes confused with borrowing money from your policy — a lending option if you have a permanent life insurance such as a whole life policy that has an accumulated cash value. Although you’re essentially borrowing from yourself in a life insurance loan, and at a favorable rate, the move is not without its potential perils. If you don’t pay back the cash value taken from that policy, it reduces the death benefit and could mean higher premiums if you were using the invested returns of the policy’s cash value to offset your premium costs.

That said, collateral assignment of your life insurance also has disadvantages. If you default on the loan, the lender will have first claim to your policy’s death benefit. That makes it essential to understand this borrowing option, and to learn how to minimize its possible drawbacks.

Learn where collateral assignment helps the most

In theory, collateral assignment can be used for a car loan or mortgage, but there’s often little need. With such lending, the home or car the loan helps to buy can become the collateral; if the borrower defaults, the lender can seize the asset to repay the loan.

Collateral assignment is most common — and is a common requirement — in small-business lending, insurance pros say. “Our bank is a preferred SBA [Small Business Administration] lender and the SBA requires it on most deals,” Johnston says.

Since most entrepreneurs sink most if not all of their savings into their ventures, they might not have many remaining sources of equity to tap. Unlike a mortgage, which lets the lender take the property if the borrower defaults, a failed business venture might not leave enough tangible assets of value for the lender to recoup their losses.

If an entrepreneur suddenly dies before their business takes off, the lender could be stuck with a loan that will never be paid off. (It’s also not uncommon for lenders to require businesses to carry life insurance on any executives whose sudden death would put the business at risk of folding.)

Understand which policies are best collateralized

If you’re required to have a policy naming your lender as a collateral assignee in order to get a business loan, Gray says most of those arrangements involve one kind of life insurance. “Traditionally the product that’s used the most is term life insurance,” he says, adding that working with an insurance pro who is well-versed in the process is important. “In these situations where businesses and loans are involved, it’s helpful to use someone that has experience working in these types of deals,” he says.

It’s likely that they will require the term of the policy to be at least as long as the length of the loan. From the lender’s perspective, “The best way to get the protection is to get the insurance policy for the length of the loan,” Gray says.

If you’re trying to use the value of a life insurance policy to help secure a mortgage or other type of personal loan, the lender might prefer if you have a whole or permanent life policy with accrued cash value — that cash value makes the policy a tangible asset, like a building or vehicle, Gray says.

“In terms of using life insurance cash value as collateral…that would be an asset,” he says. “That cash is cash, so whatever’s in that policy can be pledged against [the loan].” If you default on the loan but don’t die, a lender would have no way to recoup their losses as a collateral assignee on a policy without a cash value portion.

Know your other obligations

If you already have a life insurance policy, you might be able to use that, or the lender might require the borrower acquire a new policy for the collateral assignment.

In addition to paying back the loan as agreed to in their agreement with the lender, you’re also required to keep current on the premiums of the life insurance policy for which the lender is an assignee and not let the policy lapse. Staying up-to-date on the premiums of that policy is a condition of the loan — and you can expect the lender to check, Gray says. “It would be in the contract for them to maintain the insurance,” he says. “Usually, they require proof every year or so. As the assignee, they would have permission to call into the insurance company for verification.”

Be prepared when the loan ends

When the loan is paid off, the assignment terminates, meaning the lender no longer has a claim on your insurance policy, and the lender will need to provide you with documentation attesting to that. If you don’t get this documentation, follow up until you have it in hand.

While the lender still doesn’t have a claim on your death benefit once the loan is paid off, if you were to die, there might be a holdup for your beneficiaries to receive the death benefit if the insurer has to verify that the assignment to the lender has terminated.

Pick the right policy beneficiary

Gray says a common — and potentially very costly — mistake is to make a lender a beneficiary of a life insurance policy, rather than an assignee. With a collateral assignment, the lender gets first dibs at the death benefit money up to the amount of the outstanding debt, then any remaining funds are parceled out to beneficiaries. If the lender is the beneficiary, though, that would entitle them to the entire death benefit — which could leave the policyholder’s heirs with nothing.

“It’s a thing people need to be cautious about because it’s a commonly misunderstood situation,” Gray says.

Credits: Martha C. White Date: Sep 14, 202 Source: https://money.com/life-insurance-as-collateral/

[mikabin-blog]

Roof Fix vs Roof Replacement

Does Your Roof Want Repaired Or Replaced For Your Pensacola Home?

The Age of Your Roof

If your plans are to remain in your present house for the very long run, you need to think about replacing your roof in the near future instead of someplace down the street. You might wind up spending a significant amount fixing your roof, even when replacing it'll probably be an eventuality anyway. The price per foot fixing your roof versus replacement will probably always be greater.

In Pensacola Roofs, a roofing company a number of our jobs would be to fix roof leaks which are brought on by improper setup or non-toxic substances. A number of our repairs are done around hard places that unskilled roof technicians haven't mastered processes for roofing around specific locations, like chimneys and skylights. Such issues can be fixed by fixing and ordinarily do not need replacement. In the example of wind damage, in case a couple of shingles were blown off, then you get with a few rapid fix. Or you might have an whole part of shingles ignored or shingles which have neglected of that aren't discovered. Your insurance carrier might actually insist that the roof be substituted, based on the degree of the harm. Hail damage is a lot more challenging to recognize. It could really be years ahead of your roof develops a flow following a hail storm.

You want to determine is it worth spending $600 to fix a roof you will need to replace following year for $6,000? If you do not have the money saved to your roofing, consider buying at a house equity loan.

Other Facets

But if you reside in a place with severe weather, then the lifespan of asphalt shingles might be anywhere from 10 to 20 decades. To assist you decide whether you will need roof repair or roof replacement, then here are a couple of pointers that will assist you decide. The shingles of Roofs which were set up 10 or less years back are less fragile and easier to fix than shingles which are installed 20 decades back. By comparison, roofs which were set up 12 years back or longer must be close to the end of the expected life along with a brand new roof setup should be seriously contemplated. Whenever you're attempting to put in a roof with cracked shingles, then it may cause more damage than good.

Play a significant role in your choice.

Occasionally you'll be faced with a challenging choice. Can you get with fixing your roof or if you do an entire replacement. Most roofs in

Just how much you're prepared to pay is going to be a large element in getting a new roof installed. ?

Roofing firm inspect your roof.

That the United States are set up with asphalt shingles. Most shingles have been rated by the producers and could be rated anywhere from 25 to 50 decades.