Carolyn Capalbo - NMLS 2079378

NMLSID# 2079378 - CMG Home Loans NMLSID# 1280 - Branch NMLS ID# 2383129 - Equal Housing Lender

[Carolyn Capalbo - NMLS 2079378 @ccapalbo]

A second home can be more than a property. 🏡

It can be the place everyone gathers for summer weekends, family reunions & memories that last for years.

Beach, lake or mountains—your family's happy place could become a tradition. ☀️

https://t.co/cc7QFc2Joy

#SecondHome #Homeownership #CMGHomeLoans

[Carolyn Capalbo - NMLS 2079378 @ccapalbo]

Refinancing isn’t only about waiting for rates to drop. 🏡
It may also help homeowners address higher-interest debt, fund renovations, access equity or rethink their mortgage payoff strategy.
Track your home with Homebot: https://t.co/93R7XBD6wg

#Refinance #HomeEquity #MortgageTips

[Carolyn Capalbo - NMLS 2079378 @ccapalbo]

Saving for a home? 🏡 Check your subscriptions.

Streaming services, apps & recurring charges can quietly add up. Cancel what you don't use and consider redirecting those dollars into your home savings.

Small changes. Bigger goal. 💰

https://t.co/cc7QFc2Joy

#HomeBuyingTips #MortgageTips #CMGHomeLoans

[Carolyn Capalbo - NMLS 2079378 @ccapalbo]

💵 A simple budgeting tip:

Try the cash envelope method.

Set a spending limit, use cash, and stick to your budget.

Small habits can help you save for your future home. 🏡

#FirstTimeHomeBuyer #Budgeting #SavingMoney #MortgageTips

[Carolyn Capalbo - NMLS 2079378 @ccapalbo]

☕ One coffee a day may not seem like much...

But recurring expenses add up.

Making coffee at home more often could help you save more toward your future home.

Small habits. Big goals. 🏡

#FirstTimeHomeBuyer #SavingMoney #MortgageTips #Homeownership

[Carolyn Capalbo - NMLS 2079378 @ccapalbo]

Saving for a home is all about small habits that add up.

🏡 Lower housing costs.🛒 Shop grocery sales.💰 Save consistently.

Next up: your daily coffee habit ☕.

#FirstTimeHomeBuyer #SavingMoney #MortgageTips #Homeownership

[Carolyn Capalbo - NMLS 2079378 @ccapalbo]

@7BrewCoffee Hey 7 Brew. Purchased 2 iced coffees today in North Myrtle Beach First time visiting with a local friend. Both drinks were so watered down and disappointing. Friends a local and was shocked. Thought you should know. Consistency is key!

[Carolyn Capalbo - NMLS 2079378 @ccapalbo]

Saving for your first home?

Start with your grocery bill.

🛒 Shop the sales.📱 Use store coupons.💰 Put the savings toward your down payment.

Small habits can make a big difference over time.

#FirstTimeHomeBuyer #SavingMoney #MortgageTips #Homeownership

[Carolyn Capalbo - NMLS 2079378 @ccapalbo]

Saving for your first home?

Start with your grocery bill.

🛒 Shop the sales.
📱 Use store coupons.
💰 Put the savings toward your down payment.

Small habits can make a big difference over time.

#FirstTimeHomeBuyer #SavingMoney #MortgageTips #Homeownership

[Carolyn Capalbo - NMLS 2079378 @ccapalbo]

Most people start planning for retirement in their 20s…

Why not start planning for homeownership then too?

Building a down payment strategy early can help you start building equity sooner and create long-term wealth.

🏡 Let’s build your plan.

[Carolyn Capalbo - NMLS 2079378 @ccapalbo]

Your first home isn’t the finish line.

It’s often the foundation for your next move.

Planning ahead and understanding how equity can support future purchases may help you reach your long-term goals.

🏡

https://t.co/be4PyzhNiQ

#MortgageTips #Homeownership #BuildWealth

[Carolyn Capalbo - NMLS 2079378 @ccapalbo]

Planning for retirement is important.
Planning for your first home may be just as valuable.
The sooner you begin building equity, the sooner you start building long-term wealth.
Let’s create a homeownership plan that works for you.
https://t.co/be4PyzhNiQ

[Carolyn Capalbo - NMLS 2079378 @ccapalbo]

🇺🇸 Happy 4th of July!

Wishing everyone a safe, fun holiday celebrating 250 years of American independence. Enjoy your family, friends & fireworks!

If you need mortgage advice this week, I’m just a phone call away.

#FourthOfJuly #America250 #Homeownership

[Carolyn Capalbo - NMLS 2079378 @ccapalbo]

Condo financing changes are coming.
Fannie Mae & Freddie Mac are retiring Limited Review, which may mean deeper condo project reviews and more focus on reserve funding.
If a condo doesn’t fit agency guidelines, non-warrantable condo financing may still be an option.

[Carolyn Capalbo - NMLS 2079378 @ccapalbo]

Condo financing is changing.
New Fannie Mae and Freddie Mac guidelines may impact condo communities that aren’t maintaining adequate reserve funds.

The good news? Alternative financing options are available.
Questions about warrantable vs. non-warrantable condos?

📞 [phone]

[Carolyn Capalbo - NMLS 2079378 @ccapalbo]

Self-employed and concerned your tax returns don’t reflect your true income?
Bank statement loans may allow you to qualify using business cash flow instead of traditional tax return calculations.

Let’s discuss your options.
📞 [phone]

[Carolyn Capalbo - NMLS 2079378 @ccapalbo]

🎣 Big Rock week means big boats, big excitement, and plenty of activity on the Crystal Coast.

If you’ve never experienced it, put it on your list!

#BigRockTournament #MoreheadCity #CrystalCoast

[Carolyn Capalbo - NMLS 2079378 @ccapalbo]

🎣 It's Big Rock Tournament week in Morehead City! Nearly 300 boats are in the 68th annual event with millions in prizes. 🌊 Love life on the Crystal Coast? Thinking about a home or investment? Let’s connect! #BigRockTournament #MoreheadCity #CoastalLiving

[Carolyn Capalbo - NMLS 2079378 @ccapalbo]

Outgrown your home? You might not need to move! 💡 With built-up equity, consider HELOCs, cash-out refinances, or CMG’s All In One Loan for renovations. Let’s explore your options! 📲 https://t.co/be4PyzhNiQ #HomeRenovation #HomeEquity #AllInOneLoan #MortgageTips #HomeImprovement

[Carolyn Capalbo - NMLS 2079378 @ccapalbo]

Is your investment account growing? 🤔 Time to diversify! Consider real estate for:
✅ Rental income
✅ Long-term appreciation
✅ Portfolio diversification

DM me about DSCR financing!

https://t.co/be4PyzhNiQ