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Understanding Your Debt-to-Income (DTI) Ratio This is going to blow your mind… Your financial future hinges on one little number- the DTI ratio. The Debt-to-Income, or DTI ratio, is like your financial report card. It tells lenders how well you can handle monthly payments and repay debts. Here’s the scoop- DTI is your total monthly debt payments divided by your gross monthly income, then multiplied by 100. Imagine you have $2,000 in debt payments and earn $6,000 a month. Your DTI would be 2,000 divided by 6,000, multiplied by 100, equaling 33%. Easy, right? A lower DTI means you’re in good shape—below 45% is great! But if you’re above 45%, lenders might get nervous. For tips on improving your DTI, or other financial advice, Joe Frank Cerros, loan Officer at JCRMG INC Mortgage Broker, is here to help. Call Joe at 1-888-600-7577 - Look forward to hearing from you! Read the full Disclaimer at https://www.joecerros.com -Doing business in California. DRE 02173635 NMLS 2418994 #jcrmginc #jcrmg #joefrankcerros #jcrmgincltv #jcrmgltv #ltv #jcrmgincloantovalue #jcrmgincmortgage #jcrmgincprequalification #jcrmgprequalification #jcrmgincpre-qualificarion #jcrmgincmortgagebroker

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First-Time Homebuyers. Your First Home, Your Perfect Mortgage, or Simply Refinancing, Joe Frank Cerros offers a range of mortgage loan programs tailored to your needs. Start your homeownership or Refinance journey today! Call 1-888-600-7577 or apply online at https://jcrmg.zipforhome.com/CompanySite/Index #JCRMGINC #JCRMG #JoeFrankCerros #JcrmgIncbankstatement #JCRMGINCDSCR #JCRMGINCRefinanceJourney #JCRMGINCStudentLoanFreedom #JCRMGINCADUInvestment #JCRMGINCrefinance #JCRMGINCMortgageSolutions #JCRMGINCselfemployed #JCRMGINCCashOutStrategy #JCRMGINCHomeLoan #JCRMGINCpurchase #JCRMGINCFIXEDHELOC *Read Disclaimer/Disclosure on Https://www.joecerros.com

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If your dream home looks like a blueprint, you're in the right place. Imagine turning those plans into reality with the right guidance. Get Pre-Qualified for Your VA Mortgage Loan or VA Construction loan with Joe Frank Cerros Loan Officer with JCRMG INC. Mortgage Broker! Joe Frank Cerros, your dedicated Loan Officer, is here to help you get pre-qualified for your VA mortgage loan! With over 25 years of experience, Joe Frank Cerros Real Estate loan officer is an expert Military Relocation Professional. JCRMG INK., and Joe will help you and your family with a smooth VA mortgage loan transition. Call Joe at 1-888-600-7577. Our team is ready to assist you with all your VA mortgage loan needs. Military veterans, Call Joe at 1-888-600-7577. Call Today!

Read Full disclaimer at https://bit.ly/3Pf4BO9 Equal Housing Opportunity #jcrmginc @[fb_Joe Frank Cerros JCRMG INC:128378453849174] #jcrmg @[fb_Joe Frank Cerros JCRMG INC:128378453849174] #joefrankcerros #jcrmgincva #jcrmgincvaconstruction

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JCRMG INC - Learn about

closing your refinance. If you've never refinanced a home before, you may have some questions. Joe Frank Cerros Loan Officer 949-331-3409. Read full Disclaimer at https://www.joecerros.com #jcrmginc #jcrmg #joefrankcerros

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English:

DISCLAIMER/DISCLOSURE

FOR FULL DISCLAIMER/DISCLOSURE go to https://www.joecerros.com

Spanish:

AVISO/DIVULGACIÓN

Para la divulgación completa, vaya a https://www.joecerros.com

Tagalog:

DISCLAIMER/PAGLALAHAD

Para sa buong pahayag/pagsisiwalat, pumunta sa https://www.joecerros.com #jcrmginc #jcrmg #joefrankcerros #jcrmgincdisclosure #jcrmgdisclosure #jcrmgincdisclaimer

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JCRMG INC - get cash-out from your home equity by Refinancing or taking out a Fixed Heloc. For owner occupied properties or Investments. Call Joe Frank Cerros Mortgage Loan Originator toll free today. Equal Housing Opportunity - Full Disclaimer/Disclosure at www.joecerroe.com #jcrmginc #jcrmg #jcrmgincrefinance #jcrmgrefinance #joefrankcerros

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Open House Sept 7, Sat and Sept 8 Sun from 11am to 5pm - Condo for Lease 3bed 2.5 bathroom newly remodeled. join us at our open house. #jcrmginc #realestate #mortgagebroker #joefrankcerros #jcrmg #forlease #lease #condoforlease #longbeach #openhouse #openhouselongbeach #jcrmgincopenhouse

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JCRMG INC - "Keys to your Home" - Need a Purchase Mortgage Loan - VA, FHA, Conventional, USDA, DSCR, Bank Statements etc..- Call Joe Frank Cerros Mortgage Loan Originator with JCRMG INC Real Estate Mortgage Broker Today!!! - Find out your options. Equal Housing opportunity NMLS 240041 DRE 01356767 Doing business in California only. For full disclaimer go to https://bit.ly/3YaVOSO Real Estate Mortgage Broker #jcrmg #JCRMGINC #JoeFrankCerros #jcrmgincrefinance #jcrmgincheloc

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Ready to take the next step towards homeownership? JCRMG INC Real Estate Mortgage Broker is here to help. Our team, led by Loan Officer Joe Frank Cerros, can guide you through our mortgage loan programs, including FHA, VA, ADU, DSCR, BANK STATEMENT, ADU CONSTRUCTION, ITIN NON RESIDENT PROGRAMS, LAND TO PERM CONSTRUCTION LOANS, VA, VA CONSTRUCTIONS, SELF-EMPLOYED, and many more. Apply online at https://jcrmg.zipforhome.com/CompanySite/Index or call 1-888-600-7577  #JCRMGINC #JCRMG #JoeFrankCerros #JcrmgIncbankstatement #JCRMGINCDSCR #JCRMGINCRefinanceJourney #JCRMGINCStudentLoanFreedom #JCRMGINCADUInvestment #JCRMGINCconstruction #JCRMGINCMortgageSolutions #JCRMGINCselfemployed #JCRMGINCCashOutStrategy #JCRMGINCHomeLoan #JCRMGINCRealestatemortgagebroker #JCRMGINCFIXEDHELOC *Read full Disclaimer/Disclosure on Https://www.joecerros.com

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Planning to refinance your mortgage? Keys to your Home. Jcrmg Inc can help you find the best refinance options to lower your monthly payments or access cash for other needs. Contact Joe Frank Cerros at 1-888-600-7577 to explore your refinancing options. #Refinance #JcrmgInc #MortgageBroker #jcrmg

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Ready to take the next step towards homeownership? JCRMG INC Real Estate Mortgage Broker is here to help. Our team, led by Loan Officer Joe Frank Cerros, can guide you through our mortgage loan programs, including FHA, VA, ADU, DSCR, BANK STATEMENT, ADU CONSTRUCTION, ITIN NON RESIDENT PROGRAMS, LAND TO PERM CONSTRUCTION LOANS, VA, VA CONSTRUCTIONS, SELF-EMPLOYED, and many more. Apply online at https://jcrmg.zipforhome.com/CompanySite/Index or call 1-888-600-7577  #JCRMGINC #JCRMG #JoeFrankCerros #JcrmgIncbankstatement #JCRMGINCDSCR #JCRMGINCRefinanceJourney #JCRMGINCStudentLoanFreedom #JCRMGINCADUInvestment #JCRMGINCconstruction #JCRMGINCMortgageSolutions #JCRMGINCselfemployed #JCRMGINCCashOutStrategy #JCRMGINCHomeLoan #JCRMGINCRealestatemortgagebroker #JCRMGINCFIXEDHELOC *Read full Disclaimer/Disclosure on Https://www.joecerros.com

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JCRMG INC - Keys to your Home. Cash-Out Refinance for Debt Consolidation. Struggling with high-interest debts? Our cash-out refinance option allows you to tap into your home equity to consolidate your debts into one manageable payment. By refinancing, you could enjoy lower interest rates and free up extra funds to pay off outstanding debts. Contact Jcrmg Inc Real Estate Mortgage Broker to learn more about cash-out refinancing and take control of your financial future. Call 1-888-600-7577 or apply online now. Read full Disclaimer at www.joecerros.com

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Ready to take the next step towards homeownership? JCRMG INC Real Estate Mortgage Broker is here to help. Our team, led by Loan Officer Joe Frank Cerros, can guide you through our mortgage loan programs, including FHA, VA, ADU, DSCR, BANK STATEMENT, ADU CONSTRUCTION, ITIN NON RESIDENT PROGRAMS, LAND TO PERM CONSTRUCTION LOANS, VA, VA CONSTRUCTIONS, SELF-EMPLOYED, and many more. Apply online at https://jcrmg.zipforhome.com/CompanySite/Index or call 1-888-600-7577  #JCRMGINC #JCRMG #JoeFrankCerros #JcrmgIncbankstatement #JCRMGINCDSCR #JCRMGINCRefinanceJourney #JCRMGINCStudentLoanFreedom #JCRMGINCADUInvestment #JCRMGINCconstruction #JCRMGINCMortgageSolutions #JCRMGINCselfemployed #JCRMGINCCashOutStrategy #JCRMGINCHomeLoan #JCRMGINCRealestatemortgagebroker #JCRMGINCFIXEDHELOC *Read full Disclaimer/Disclosure on Https://www.joecerros.com

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Unlock the potential of homeownership with Jcrmg Inc Real Estate Mortgage Broker! Our diverse loan programs cater to Non-Residents with ITIN and offer Construction Loans for your dream home. Call Joe Frank Cerros, loan officer, at 1-888-600-7577 or apply at https://jcrmg.zipforhome.com/CompanySite/Index. Explore our VA, FHA, Conventional, and more loan programs today! #JCRMGINC #JCRMG #JoeFrankCerros #JcrmgIncbankstatement #JCRMGINCDSCR #JCRMGINCRefinanceJourney #JCRMGINCStudentLoanFreedom #JCRMGINCADUInvestment #JCRMGINCconstruction #JCRMGINCMortgageSolutions #JCRMGINCselfemployed #JCRMGINCCashOutStrategy #JCRMGINCHomeLoan #JCRMGINCRealestatemortgagebroker #JCRMGINCFIXEDHELOC DISCLAIMER: JCRMG Inc is a Real Estate Mortgage Broker Equal Housing Opportunity - NMLS 2418994 DRE 02173635 Doing business in California only - Subject to credit approval - For informational purposes only. This is not a commitment to lend or extend credit. All loans are subject to credit approval. Other restrictions may apply. *Read full Disclaimer on Https://www.joecerros.com

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Dreaming of a new home? JCRMG INC "Keys to your Home" - can help you with purchase pre-approvals. Call us at 1-888-600-7577 or apply online https://jcrmg.zipforhome.com/CompanySite/Index -to get started on your home-buying journey. #JCRMGINC #JCRMG #JoeFrankCerros #JcrmgIncbankstatement #JCRMGINCDSCR #JCRMGINCRefinanceJourney #JCRMGINCStudentLoanFreedom #JCRMGINCADUInvestment #JCRMGINCconstruction #JCRMGINCMortgageSolutions #JCRMGINCselfemployed #JCRMGINCCashOutStrategy #JCRMGINCHomeLoan #JCRMGINCRealestatemortgagebroker #JCRMGINCFIXEDHELOC DISCLAIMER: JCRMG Inc is a Real Estate Mortgage Broker Equal Housing Opportunity - Po Box 803 Lawndale CA 90260 NMLS 2418994 DRE 02173635 Joe Frank Cerros Broker/MLO/Realtor NMLS 240041 DRE 01356767 Doing business in California only - For licensing information go to https://www.bit.ly/3ORjpSX & https://www.bit.ly/48n5afF Subject to credit approval - For informational purposes only. This is not a commitment to lend or extend credit. All loans are subject to credit approval. Other restrictions may apply. JCRMG INC Licensed by the California Department of Real Estate. - Real Estate Broker License Endorsement - CA DRE 02173635 *Read full Disclaimer/Disclosure on Https://www.joecerros.com