Joseph “JD” Doneth

JD loves helping his clients with their life goals and his #1 goal is to set up everyone involved in the transaction for success.

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“Joe and the team were very friendly and excellent at keeping us informed throughout the buying process. I loved how useful their portal was to upload documents and keep me up to speed on the process.” -E.R.H.

JD will do everything possible to keep you updated and informed throughout your mortgage experience.

Ever since he attended a few career fairs at Michigan State, JD was instantly gravitated toward the mortgage industry. JD said, “I hit the ground running and have never looked back!” He loves helping individuals and families achieve their life goals. Owning a home has been a part of the American Dream since its inception and JD loves helping his clients make their dreams a reality. JD shared, “I enjoy what he do because it fuels my desire to help others.”

JD’s #1 goal is to make sure his clients are informed on everything going on in the process. He likes to educate his clients on the mortgage process and to set them up for success. JD added, “The bi-product of informing and educating my clients is getting them to the closing table!”

In his free time, JD loves to golf and anything to do with fitness. In the summer, you can find him getting in a quick 9 holes before the birds start chirping. “It’s a great way to jumpstart the day.”

Mortgage Info & Updates

mortgage-updates

Recent global news has caused significant market volatility, leading to fluctuations in interest rates. Several factors will influence rates leading up to the mid-September Fed meeting, including upcoming inflation news and two more employment reports. Market expectations regarding the Fed's rate decisions will already be built into the market by mid-September, impacting rates accordingly.

In the latest update regarding the NAR Settlement and it's effects, we have great news for first-time buyers; Fannie Mae, Freddie Mac, and FHA have now confirmed that seller paid commissions will not be counted into the maximum allowed for interested party contributions. We are still awaiting key details from the VA, and will remain diligent as new information unfolds.

Despite initial confusion, buyers' agents can still receive compensation from sellers, commission just can’t be offered through the MLS. Ensuring all parties are well-represented will be crucial to smoother transactions in this new market.

We're looking for an experienced Marketing Manager s great at developing project timelines, strategizing creative campaigns and crafting mortgage-based copy and messaging.

Today we're dismantling the misconceptions on mortgage insurance and sharing more about how it can be a tool that accelerates a buyer's ability to purchase and own home. Mortgage insurance is a type of insurance typically required by lenders when a borrower puts down less than 20% of the home's purchase price. It's usually paid as a monthly premium that's added to the borrower's mortgage payment.

Interest rates remain the same as inflation data came in as expected earlier today. Rates are still in that high 6, low 7% range. Buyers, be prepared with a pre-approval so you can act quickly when you find the right home.

When there's uncertainty, the best thing for a homebuyer to do is be prepared and ready. With many varying projections about mortgage interest rates, the smartest move is to be proactive and get pre-approved, so buyers can act fast.

Yesterday’s Consumer Price Index Results Were Slightly Lower Than Expected. With the Overall CPI at 3%, we've seen rates come down yesterday and it's trending that way today, too. Great news for housing!

Rates are in the Upper-6s As We Move into a Busy Weekend of Open Houses.

Fannie Mae Shares Results Ranking Important Factors of Living "The Good Life.” 3 of the top 6 factors are housing-related in what participants found to be important when considering the life they'd like to have. The dream of homeownership continues to be strong. Begin your journey by getting pre-approved. Homebuyers, we can help!

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