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Jody Ross Brant

@brant.jody

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Alabama Mortgage Broker 205-305-4348 [email protected] nmls#189545

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Property taxes are an important part of the overall cost of owning a home and can vary significantly from one location to another. They can also change over time, which is why it's important to consider more than just the home's purchase price when evaluating your options. Before making an offer, look into the property's current property taxes so you have a better idea of the ongoing costs associated with the home. #homebuyers #mbshighway #mbssocialshare #mortgagemarketnews #mortgageintheknow by @brant.jody

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15 hours ago

The purchase price isn’t the only part of an offer that can be negotiated. Depending on the market and transaction, buyers may be able to negotiate seller contributions toward closing costs or a rate buydown, request repairs, or negotiate other terms to make the purchase more manageable. I can help you build a strategy that fits your goals. Have questions? Send me a message – I’m happy to help you understand your options. #homebuyers #mbssocialshare #mortgagemarketnews #mortgageintheknow by @brant.jody

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15 hours ago

Choosing between a 15-year and 30-year mortgage is about more than how quickly you want to pay off your home. A shorter term can save you interest, but higher monthly payments may leave less room for savings, investments, and other priorities. A longer term typically offers lower payments and more flexibility. I can help you compare monthly payments and long-term costs to find the option that best fits your financial goals. Have questions? Send me a message – I’m happy to help you explore your options! by @brant.jody

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15 hours ago

by @brant.jody

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9 days ago

The list of people who know the real version of you is short.

Your barista knows the order. Your bartender knows what kind of week it has been. Your hairdresser knows the thing you have not said out loud to anyone else.

And somewhere around the second bank statement, your mortgage broker quietly joins that list. I end up knowing the subscription you forgot to cancel, the deposit that will need a paper trail, and the monthly payment that makes your stomach drop.

That is not oversharing. That is the job. Nobody gets a solid pre-approval from the polite version of their finances, and I would much rather see it all now than have an underwriter find it the week you close.

So if you are still in the polite version stage, send me a message and let’s look at the real numbers together.

– Jody Ross Brant, your mortgage broker in Alabama helping first time buyers understand their financing options.

#AlabamaMortgagelender #AlabamaMortgage #mortgageprep #MortgageHelp by @brant.jody

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9 days ago

When budgeting for a home, it’s important to look beyond your mortgage principal and interest. Property taxes and homeowners insurance may also be included in your monthly payment through escrow, affecting your total monthly cost. Understanding how escrow works can help you create a more accurate homebuying budget and avoid surprises down the road. If you’re considering buying, I can help you estimate what your total monthly payment could look like. Have questions? Reach out anytime. I’m happy to help! #homebuyers #mbshighway #mbssocialshare #mortgagemarketnews #mortgageintheknow by @brant.jody

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10 days ago

Did you find it before the last slide?

Number 3 is the one I untangle most often, because it sounds like a gift. A lender credit or rolled in costs can be a smart move, especially if you want to keep cash in the bank. It just is not free, and you deserve to know which way you are paying.

So when you compare loan offers, do not stop at “no closing costs.”

Ask what rate that offer comes with, and what the same loan looks like if you pay the costs yourself.

Then compare the two monthly payments. That one question clears up most of the confusion.

And the other three? All true, and all easy to avoid when you ask before you act.

— If we haven’t met yet, I’m Jody Ross Brant,your go-to mortgage broker in Alabama.

P.S. Most of my clients start by sending me a message right here on Instagram, so don’t be shy!

#AlabamaMortgage #mortgageeducation #MortgageAdvice #mortgagetips by @brant.jody

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13 days ago

A lower mortgage payment doesn’t always require waiting for rates to fall. A rate buydown can lower your mortgage rate using funds paid upfront, and in some cases the seller may contribute toward the cost. Potential savings depend on the loan amount, rate, and how long you keep the mortgage. Want to see if a buydown could make sense for you? Send me a message. I’m happy to help you compare the upfront cost with the potential monthly savings. #homebuyers #mbssocialshare #mortgagemarketnews #mortgageintheknow by @brant.jody

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15 days ago

You’ve probably been told to put down as much as you can save.

It is not bad advice. It just is not the only option, and it does not always get you the lowest payment or leave you any breathing room after closing.

The money you saved can do a few different jobs. It can shrink the loan, buy down the rate, cover closing costs, or stay in savings for the first thing that breaks. Which job matters most depends on your loan program, your price range and how long you plan to stay.

No headline can answer that for you. Your real numbers can.

Dm me “COMPARE” with the price range you are looking at, and I will show you the monthly payment and the cash you would have left with each option.

If we haven’t met yet, I’m Jody Ross Brant, a mortgage broker in Alabama, helping buyers plan a payment that fits their budget.

#MortgageInAlabama#MortgageStrategy #HomeFinance #mortgagetips #loanstrategy by @brant.jody

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15 days ago

You’ve probably been told to put down as much as you can save.

It is not bad advice. It just is not the only option, and it does not always get you the lowest payment or leave you any breathing room after closing.

The money you saved can do a few different jobs. It can shrink the loan, buy down the rate, cover closing costs, or stay in savings for the first thing that breaks. Which job matters most depends on your loan program, your price range and how long you plan to stay.

No headline can answer that for you. Your real numbers can.

Dm me “COMPARE” with the price range you are looking at, and I will show you the monthly payment and the cash you would have left with each option.

If we haven’t met yet, I’m Jody Ross Brant, a mortgage broker in Alabama, helping buyers plan a payment that fits their budget.

#MortgageInAlabama#MortgageStrategy #HomeFinance #mortgagetips #loanstrategy by @brant.jody

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15 days ago

Some of the best mortgage work is invisible.

It is the deposit explained before it becomes a question. The document updated before it expires. The debt discovered before an offer is written.

A buyer may never see the problem because someone was looking for it early.

That is the kind of quiet preparation that protects a closing.

— Jody Ross Brant ,your go-to mortgage broker in Alabama.

#MortgageExpert #MortgageProcess #MortgageHelp #AlabamaMortgageBroker by @brant.jody

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17 days ago

Your pre approval can be current on paper and outdated in practice.

Before your next offer, run this 15 minute refresh:

1️⃣ Check the letter

Find the issue date and any expiration date. Ask your lender what becomes stale first for your loan: credit, income, asset statements, or the letter itself. Do not assume they all follow the same clock.

2️⃣ Rebuild the payment for the actual address

Ask for principal, interest, property taxes, homeowners insurance, mortgage insurance, and HOA dues. Your original approval may have used an older rate or a generic tax and insurance estimate.

3️⃣ Report what changed

New job? Different hours? Smaller bonus? Higher card balance? New car loan? Student loan payment changed? Money moved between accounts? Tell your broker before it is discovered during an offer deadline.

4️⃣ Recheck your cash cushion

Verified funds today
Minus estimated cash to close
Minus the reserve you refuse to spend
Equals your real cushion after closing

5️⃣ Build the offer plan

Ask whether credit needs to be reviewed again, which documents to upload now, how fast a letter can be updated, and who can help if the offer happens at night or on a weekend.

Then get these four numbers in writing:

• Maximum price

• Full estimated monthly payment

• Estimated cash to close

• Cash expected to remain after closing

Save this for later.

Send it to someone who needs to see this.

— Jody Ross Brant,your go-to mortgage broker in Alabama

#GetPreapproved #mortgageplanning #MortgageProcess #AlabamaMortgageBroker by @brant.jody

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18 days ago