Stacy Ann Stephens

NMLS # 1933745

203-910-5549

stacyann@jhenesismortgage.com

Stacy Ann Stephens Broker

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Why More Homebuyers Are Choosing Mortgage Brokers Over Banks

Why More Homebuyers Are Choosing Mortgage Brokers Over Banks

Why More Homebuyers Are Choosing Mortgage Brokers Over Banks for Home Loans In the dynamic world of home loans, navigating the best mortgage options can be overwhelming. Traditionally, many people turned to banks for their mortgage needs, but a growing nu

Sep 24, 2024 | Mortgage Broker

Understanding Mortgage Rates: A Guide for First-Time Homebuyers

Understanding Mortgage Rates: A Guide for First-Time Homebuyers

Becoming a homeowner for the first time is an exciting yet complex process, filled with many decisions. One of the most important choices you’ll make is understanding mortgage interest rates, as they will affect your financial future for years to co

Sep 24, 2024 | Purchasing a Home

Top Reasons to Refinance Your Home and Save Money: How Jhenesis Mortgage Can Help

Top Reasons to Refinance Your Home and Save Money: How Jhenesis Mortgage Can Help

Refinancing your home can be one of the smartest financial moves you make—but only if done for the right reasons. Whether you’re looking to lower your monthly payments, tap into your home’s equity, or shorten your loan term, refinancing

Sep 17, 2024 | Refinancing a Home

How to Refinance Your Home with Limited Equity: Smart Solutions for Homeowners

How to Refinance Your Home with Limited Equity: Smart Solutions for Homeowners

FMERR stands for Freddie Mac Enhanced Relief Refinance. It's a refinancing program that was designed to help homeowners who have little or no equity in their homes refinance into a better mortgage. Specifically, it’s targeted at borrowers

Sep 10, 2024 | Refinancing a Home

Understanding DSCR Loans: What They Are and How They Work

Understanding DSCR Loans: What They Are and How They Work

Debt Service Coverage Ratio (DSCR) loans are an increasingly popular financing option for real estate investors, particularly those looking to purchase income-generating properties. Unlike traditional loans that focus primarily on the borrower’s per

Sep 09, 2024 | DSCR Loan Investor Loans

A Strategic Approach to Adjustable-Rate Mortgages

A Strategic Approach to Adjustable-Rate Mortgages

Embracing Adjustable-Rate Mortgages in a Fluctuating Interest Rate Environment In today’s market, where interest rates can shift unpredictably, achieving homeownership through conventional fixed-rate mortgages might feel out of reach for many. Howev

Sep 03, 2024 | Purchasing a Home Interest Rates