Noah Shurtliff

Your friendly mortgage broker | NMLS #2013011 | Legacy Lending USA

[Noah Shurtliff @loansbynoah]

I wish I learned to enjoy being uncomfortable sooner.

Growth happens when you put yourself in situations that challenge you.

You see it in the gym. You see it in your personal life. Business is no different.

[Noah Shurtliff @loansbynoah]

Trust the process ⏳

[Noah Shurtliff @loansbynoah]

Mortgages are a platform for the life I want to build.

Everyone has a dream of what they want their life to look like.

For me, it’s having the freedom to travel, being financially free, building a family one day, and having control over my time.

[Noah Shurtliff @loansbynoah]

Relationships > Transactions

[Noah Shurtliff @loansbynoah]

Buy a house before you get married. Here’s why. 🏡

[Noah Shurtliff @loansbynoah]

Your credit score is more than just a number. 👀

When applying for a mortgage, lenders look at how you manage your debt — especially revolving accounts like credit cards.

💳 Lower credit utilization can help your score
📈 High balances month after month can hurt it

[Noah Shurtliff @loansbynoah]

Sellers are more negotiable right now and buyers should be taking advantage.

Instead of only negotiating the purchase price, ask for seller concessions and use that money strategically.

Seller concessions can help you:

🏡 Cover closing costs
📉 Buy down your interest rate

[Noah Shurtliff @loansbynoah]

Buying a home together is a big commitment… but what happens to the mortgage if the relationship ends?

You have options. One person may be able to refinance and keep the home or you can sell and split the equity.

[Noah Shurtliff @loansbynoah]

Mindset for entrepreneurs is everything.

I’ve noticed my best months in business usually line up with the months I’m killing it in my personal life. And my worst months? Usually, I can trace them back to cutting corners on myself.

[Noah Shurtliff @loansbynoah]

Putting 20% down doesn’t always mean you’ll get the best mortgage rate.

In some scenarios, putting 5% down can actually get you better pricing because of mortgage insurance.

[Noah Shurtliff @loansbynoah]

House hacking isn’t just for single-family homes.

You can buy a 4-unit property with as little as 5% down, live in one unit, and rent out the other three.

Instead of putting 20–25% down on a traditional investment property.

[Noah Shurtliff @loansbynoah]

A 600 credit score doesn’t mean homeownership is off the table.

FHA can be a great option for buyers with lower credit scores. And if you’ve already found the right home and you’re comfortable with the payment today, waiting 6–12 months for a higher score could mean losing out.

[Noah Shurtliff @loansbynoah]

Getting fired by a client taught me an important lesson.

You can be doing everything right behind the scenes negotiating, problem-solving, fighting for the best deal but if your client doesn’t know what you’re doing, it doesn’t matter.

[Noah Shurtliff @loansbynoah]

Considering buying a house with your girlfriend? Don’t waste both of your buying power on one property.

Buy the first home in your name. Then, when you’re ready for the next one, she will still have access to her first-time homebuyer benefits. 🏠

[Noah Shurtliff @loansbynoah]

The truth is, most loan officers are salesmen.

It’s easy to make a loan sound perfect upfront. Low rate. Low fees. Easy process. Minimal paperwork.

But what matters is whether those expectations hold up once you’re under contract.

Transparency > telling what you want to hear.

[Noah Shurtliff @loansbynoah]

Monday motivation: be more positive, it goes a long way

[Noah Shurtliff @loansbynoah]

How to buy a home in 60 seconds ⏰

[Noah Shurtliff @loansbynoah]

Here’s where Arizona cities rank on the list for top cities for first time homebuyers 🔥

[Noah Shurtliff @loansbynoah]

The best homebuying strategy isn’t just getting the house, it’s getting the right terms.

Heres my home buying playbook:
• Buy down your interest rate permanently
• Negotiate for the seller to cover your closing costs
• Most importantly, stay within your budget

[Noah Shurtliff @loansbynoah]

Advice to my younger self 🗣️