top of page

SCHMIDT TEAM
VIDEOS

The Schmidt Team offers mortgage services for California consumers. Based in San Diego our branch prides its self on delivering a world-class customer experience, while offering a wide variety of mortgage programs at a competitive interest rate.  

Don't Struggle With Credit Card Debt If You Have Equity in Your Home
01:54

Don't Struggle With Credit Card Debt If You Have Equity in Your Home

Are you a homeowner that has more credit card debt and less savings since the pandemic? Did you know credit card debt increased by $85.8 billion during the 4th Quarter of 2022 the highest quarterly increase ever recorded, and the average national savings average is still below pre-pandemic levels Did you also know as a homeowner that equity is at an all time high. That means you most likely have more equity in your home now then you ever have. Now let’s talk rates, I keep hearing I don’t want to refinance and get rid of that low mortgage interest rate I have at 3.5%, BUT why are you willing to pay 15%, 17% even 20% APR on credit card balances with the federal funds rate continuing to rise? What are your actual total payments monthly when you take a look at them because you probably aren’t paying the minimum on your credit cards? If you are a homeowner and have credit card debt and car loans and are struggling to get them paid off text the word Refi to 858-285-1122. There is no cost and no obligation for me to do a soft credit pull to see the debt you have, confirm your equity position, and figure out if a debt consolidation using your home’s equity even in this higher interest rate market could benefit you. And don’t forget there are no pre-payment penalties so 7 months from now or 12 months from now or 15 months from now if rates drop and there is benefit to you we can revisit your scenario. Sometimes rate is just a number when it can put money in your pocket with monthly savings. text the word Refi to 858-285-1122
Low Housing Inventory - Is this a solution?
01:54

Low Housing Inventory - Is this a solution?

One of the most common things we here right now in the real estate market is there is low inventory. What does that mean exactly, there are not enough homes up for sale bases on the current demand of buyers. It is still driving home prices up and it is scaring sellers that want to sell and buy a new property from listing their home in case they can't find their new perfect home. So I wanted to try and think of a way that we can turn this low inventory situation we are in into a possible positive. There is a renovation home loan, not many people know about the Renovation Home Loan but it can be used for a purchase of a new home or a refinance of the home you already own. You can look to make cosmetic upgrades, put in a pull, tear down a wall and even build an ADU unit as part of the purchase or refinance which is popular here in California. Now there are still guidelines you need to meet, however, this could help you focus on a property that might not be turn key meaning reay to move in to and just turn the key and start living in the home. Maybe there is a fixer upper out there in the perfect location that you don't have the money to do the upgrades or make the changes you need. With a renovation home loan it may be your change to get into a new home sooner then later and have up to 6 months to get it the way you want it or if you already own a home and don't want to sell you can look to do a refinance and make your current home your new dream home. If you want more information about a renovation loan and how the program works you can contact Tracie Schmidt with The Schmidt Team empowered by NEXA Mortgage at 858-336-5200 or email me at tschmidt@nexamortgage.com and we can have a quick call to go over what you might be looking to accomplish.
The Power of Video in Your Business an at Your Desk Lunch & Learn
02:01

The Power of Video in Your Business an at Your Desk Lunch & Learn

Do you know the power that video can have in your business? Well I'm going to show you. Understand the Who, What, When, Where, How and Why of video in your business so you can go after your ideal client. As an escrow settlement agent or another affiliate in the real estate industry you need to stand out from the rest. My name is Tracie Schmidt and I'm so excited to partner with the California Escrow Association and our sponsor myNHD to host a lunch and learn from your desk May 10th from 12pm to 1pm. I want to teach you how to attract the partners that you want to work with and how you can bring them value after what you learn after just 1 hour. I've been a mortgage loan officer licensed in California for over 25 years and have spent the last 5 years as a student of one the top real estate coaches in the country Krista Mashore. Understanding how to build your brand, what hook to use and the right way to utilize social media in your business can change your game in 2023 and beyond. You have to register to join us on May 10th from 12pm to 1pm this is for CEA members and non members. And make check out some of my latest google reviews like from Karen who said "Power of Video presentation was fantastic, thank you for all the great tips, very empowering!" or from Taryn who said "I learned so much for her Power of Video training and would highly recommend Tracie and her team" I promise I won't be spamming you at the end of the training or trying to sell you anything, the CEA asked me to host this training only to provide value to you and to inspire you. Hope to see you on the 10th and again don't forget to register. Register Here https://web.cvent.com/event/afb82497-dbe7-490e-abc2-cef4a2d0bf14/summary
bottom of page