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Ariel Boyd

The Savvy Mortgage

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Got a to-do list a mile long? Yeah, me too. Sigh.

Got a to-do list a mile long? Yeah, me too. Sigh. Let’s tackle it together with these surefire tips:⁣
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• But first, brain dump. Sometimes we can’t make progress on our to-dos because our brains are so full of other thoughts, plans, and intentions. Before pulling out your list, grab your phone or a blank sheet of paper and do a brain dump of all those thoughts swirling around.⁣
• Create a task snowball. Tackle your to-dos in this order: Complete the tasks you can knock out in the shortest amount of time first. This gives you some easy wins under your belt and carries momentum into your next task.⁣
• Know your rhythms. If morning is your productivity sweet-spot, use those hours to tackle tasks that require the most mental bandwidth. Save the afternoon for your more administrative and routine to-dos. Flip-flop this plan if you’re the opposite. ⁣
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None of us will ever reach productivity bliss — but that doesn’t mean we don’t keep trying, growing, and learning. So let’s get after it today!

It’s my Daddy’s BIRTHDAY! Aaron Boyd 60 looks

It’s my Daddy’s BIRTHDAY! Aaron Boyd 60 looks good on ya!

Over the years I’ve seen my Daddy wake up at 5am, drive hours to get to work, and study to get 2 degrees over the age of 50!!! He has work from being a Brick Layer, to being a Regional Manager for a co-op where he works from home! My Dad has owned several homes and luxury cars. His wife only works because she wants to not because she has to!

He’s adopted several children into our family. Shows up as a Father and Grandfather! He comes to games, Father’s Day brunches when Xavier’s dad couldn’t! (Just know I appreciate that!) Anytime I’ve needed him, his response is “I’m on the way”!

Let’s not forget that he’s been a Pastor for years but has always balanced between that and showing up as a Dad! Hes never forced religion on us but has led by example. He’s there for everyone he comes in contact with.

I say all this to say my Dad is the epitome of a real man! He’s why my expectations of a man, a husband, and a father, are so high!

Thank you for always being the example of a high work ethic, and discipline to get what we want out of life! Thank you for showing up for me and Xavier! I am forever grateful for the many times you’ve stepped in!

Love you so much and I hope your enjoying your day!😍

Don't forget to get pre-approved before you go out

Don't forget to get pre-approved before you go out shopping for houses! Most realtors won't even take you out without that document! It's quick, easy, and simple just head to the link in my bio, apply online, and if you're on a tight deadline just let me know and I can get you pre-approved within the hour!

Sidenote: If you know of anyone looking for a home go ahead and send them my way! I will take care of them! :)

No words for this! We are so sorry #BreonnaTaylor

No words for this! We are so sorry #BreonnaTaylor 🖤🖤🖤

So you’re refinancing (awesome!) or buying a hom

So you’re refinancing (awesome!) or buying a home (congrats!), and you know you need a mortgage. ⁣
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Before you head to the bank or talk with a lender, you need to know the difference between a conventional, FHA, and VA loans. ⁣
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Here’s a crash course:⁣
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Conventional loan:⁣
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Definition: A conventional loan is a loan not insured by the government. This means there’s no guarantee for the lender if you fail to repay.⁣
Down payment: Because it’s not insured, a conventional loan requires a 20% down payment.⁣
Special considerations: Can’t do 20%? Then you’ll need to have private mortgage insurance (PMI). PMI picks up the tab for your lender if you happen to default on the home.⁣
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FHA loan:⁣
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Definition: A FHA loan is a loan insured by the Federal Housing Administration (FHA).⁣
Down payment: Because it’s insured, a lender can offer a downpayment as low as 3.5% of the purchase price.⁣
Special considerations: You’ll need a credit score of at least 580 with 3.5% down, and 500 with 10% down.⁣
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VA loan:⁣
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Definition: A VA loan is a loan guaranteed by the Veterans Administration (VA). It is only available to current members of the U.S. armed forces, veterans, national guard or reserves, and surviving spouses.⁣
Down payment: There is no minimum down payment or PMI required for buyers purchasing a primary residence.⁣
Special considerations: Borrowers do pay an initial funding fee — a one-time charge between 1.25% and 3.3% of the loan amount.⁣
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If you have questions about real estate, shoot me a message. I’d love to listen and help in any way I can!⁣

Link in the bio to schedule a time to chat! 📲

My favorite guy! 💜💜💜 This has been a lear

My favorite guy! 💜💜💜 This has been a learning season for me and Xavier! He’s been playing basketball since he could hold a ball so he is so used to being one of the best on the team! Well with football it’s all new!

It was so eye opening for me because we go in thinking “I’ll be great, I can do this!” Which you can however it also means there’s a lot of practice involved to get to that level! It means there will be mistakes, learning curves, challenges and that is OK!

Give yourself grace when starting new things. Understand that the obstacles are all apart of the process! It’s all apart of the journey and we have to be patient with ourselves while going through that space.

I never realized that having a child would bring up so much of my own issues! Lol🤦🏽‍♀️ Half the time I’m telling him something that I have to look in the mirror and say “yeah that’s for you too”!

I’m forever grateful for this journey through life with him! Motherhood has transformed me and developed so much growth! Just when you think you have it all together you have a kid and it shakes your foundations!😂

#grateful #thankful #lifelessons #motherhood #indymom #boymom #sportsmom

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