Onias Derilus

🏡 Founder/Broker of @pureequity 💰 Mortgage Loan Specialist 🎓 FAU Alumni. Accounting & Finance. 🦅 🏆 Turning DREAMS to REALITY 🏆

[Onias Derilus @realityisdope]

Silent moves, loud results…

[Onias Derilus @realityisdope]

And refinance to a Conventional mortgage as soon as you can to save as much money possible in the long run. Just my two cents, don’t shoot the messenger. 🙏🏾🏡💰

[Onias Derilus @realityisdope]

If you can’t qualify for Conventional financing, then your next best option would be to get an FHA mortgage. But once you get it, work as fast as you can to build your credit and pay as much extra that your budget allows you too…

[Onias Derilus @realityisdope]

If you’re going to do the biggest purchase of your life, at least cut the fat (expenses) where you can and throw that sunk costs (money 💰 you’d never see again) to your principal and pay off your mtg sooner. FHA should only be situational.

[Onias Derilus @realityisdope]

Ex. $300,000 purchase price. 3.5% down pmt, loan amt would equal $289,500. Now add that sunk cost of $5,066.25 on top of your loan amt and add the interest you’ll be paying plus monthly mtg insurance premium that’s going to be in your monthly mtg pmt as well for the next 30 yrs.

[Onias Derilus @realityisdope]

FHA does allow you to put 3.5% as your down pmt but no one telling you FHA also charge you 1.75% of your loan amt upfront for mtg insurance premium which equates to 5.25% when you could simply have put 5% down on a Conventional & have it go straight to the equity on your home.

[Onias Derilus @realityisdope]

Yo yo first time home buyers, FHA ain’t always your best friend okayy? Time and time again, I get fully qualified clients trying to debate with me that they rather go FHA over Conventional because social media, family or friends told them so! I got time today, class in session 📝

[Onias Derilus @realityisdope]

Cut the distractions. Your higher self will thank you later for it. 💎

[Onias Derilus @realityisdope]

Protect your energy at all cost. 🙏🏾

[Onias Derilus @realityisdope]

Make money. Buy income!

[Onias Derilus @realityisdope]

Don’t play the game, OWN the game!

[Onias Derilus @realityisdope]

Two sides of the same coin. You got your gift and you got what it cost. Let’s goooooo!

[Onias Derilus @realityisdope]

Sometimes you’ll never know the value of a moment until it’s a memory…

[Onias Derilus @realityisdope]

"A great man is hard on himself; a small man is hard on others." — Confucius

[Onias Derilus @realityisdope]

Humble enough to know that I’ll forever be a student to the game. 🙏🏾

[Onias Derilus @realityisdope]

One day it’s gonna look like it happened overnight.

[Onias Derilus @realityisdope]

The chains of habit are too light to be felt until they are too heavy to be broken.

[Onias Derilus @realityisdope]

When you’ve got it 💰you don’t have to prove anything to anyone.

[Onias Derilus @realityisdope]

A focused man is a dangerous man…

[Onias Derilus @realityisdope]

Short steps. Long vision.