MoveTube Agent Spotlight: Go Beast Mode with Garrick & Diana at Fresh Home Loan Inc.

Dominate Your Market with MoveTube + Fresh Home Loan

In today’s evolving real estate market—where tech giants aim to dominate every step from home search to financing—local agents need more than hustle. They need leverage.


At Fresh Home Loan Inc., we offer something different—and awesome.

🏑 Fast, Flexible Loan Solutions for Every Client


We move quickly and creatively to get your buyers into contract—whether they’re first-time homebuyers, investors, or move-up clients. Our loan programs include:


  • Fix & Flip / DSCR / Bank Statement Loans

  • Bridge, Jumbo, and Reverse Mortgages

  • Construction-to-Perm, FHA 203(k), and Land Loans

  • VA, USDA, CalHFA, and Down Payment Assistance

  • Fast 15-Day Conventional Closes

  • 24–48 Hour Pre-Approvals

Garrick structures the deals that win offers. Diana manages lead follow-up so nothing falls through the cracks.


πŸ’₯ What We Do for You


πŸ“² Open House Lead Capture + Video Follow-Up

We set you up with MoveTube, a free tool designed to turn open house visitors into clients:


  • Digital QR code sign-in for open house leads

  • Automated follow-up videos customized to your listing

  • Custom emails and text drips with your branding

  • Real-time tracking of viewer activity on YouTube and Google

You’ll receive:


  • A branded flyer for every listing

  • A custom video trailer

  • A real-time lead sign-in sheet

Then our team follows up by phone, re-screening and re-engaging each lead—so you can focus on closing deals.


🧰 Done-for-You Marketing Suite


We help you stand out with content that gets attention:


  • Beautiful property flyers with your branding

  • Social-ready listing trailers

  • Email and text follow-up templates

  • Social media posting support

  • Video recaps for your next listing presentation

Whether you're farming, hosting an open house, or just trying to build momentum—we create and deliver your content, ready to use.


πŸ“ˆ Want to Grow Your Business?


When you work with us, it’s not just a loan—it’s a system to:

βœ”οΈ Capture more leads
βœ”οΈ Convert more buyers
βœ”οΈ Win more listings
βœ”οΈ Build a business you control—not one that relies on the portals


πŸ§‘‍🀝‍πŸ§‘ Meet Your Fresh Home Loan Team

Garrick Werdmuller
CEO & Broker of Record – 25+ years in the business
Garrick is a creative strategist who thrives on independence. He’s funded thousands of loans across the spectrum—from FHA to investor flips, jumbo, and reverse.


Diana Diaz
Bilingual Operations Manager
Diana is your first line of lead follow-up. She pre-screens buyers, connects with Spanish-speaking clients, and ensures no lead is left behind—making your business more efficient and inclusive.


πŸ’¬ Let’s Talk

πŸ“†Book a 15-min strategy session with Garrick
πŸ“² Call/Text: 510-282-5456
🌐 Visit:
FreshHomeLoan.com


By Garrick Werdmuller July 23, 2025
Non-Warrantable? No Problem. We’ve Got the Loan
By Garrick Werdmuller July 23, 2025
¡Compra más, con el mismo engache!
A man is standing in front of a before and after picture of a house.
By Garrick Werdmuller June 18, 2025
πŸ› οΈ From Garage to ADU: How a 203(k) Loan Helped One Family Maximize Their Space πŸ› οΈ Buy It and Fix It With One Loan: The FHA 203(k) Limited A few years ago, I helped a couple purchase their home with just 5% down. It was a great fit for them at the time — solid neighborhood, the space they needed, and a bonus: a detached garage with potential. Fast forward to today — their teenage son was getting older and needed his own space. Naturally, they started exploring how to turn that detached garage into an Accessory Dwelling Unit (ADU) so he could move in and have a bit more independence. They gave me a call, hoping to tap into their home’s equity with a line of credit. But after running the numbers, it became clear that a traditional HELOC wouldn’t provide enough funds to cover the full conversion. That’s when I brought up a lesser-known option: the FHA 203(k) Limited loan . The FHA 203(k) Limited program snapshot outlines a renovation loan product allowing borrowers to finance both the purchase and rehabilitation of a property with a single mortgage , specifically for non-structural repairs or improvements. Here's a summarized overview for reference or communication: 🏑 What Is It? The FHA 203(k) Limited is designed for: Homebuyers purchasing a fixer-upper Homeowners refinancing and remodeling Primary residences only You can finance both the home and non-structural renovations—like kitchens, bathrooms, floors, HVAC systems, roofs, appliances, and more—with a single mortgage . πŸ’‘ Why Use a 203(k) Limited? βœ… Finance up to $75,000 in repairs and upgrades βœ… Only 3.5% down payment βœ… One loan, one closing βœ… No 203(k) Consultant required βœ… Ideal for non-structural repairs and cosmetic improvements βœ… Perfect for first-time buyers and FHA borrowers πŸ›‘ What You Can’t Do With It This is for light remodeling only. You can’t use this loan for: Structural changes or additions Foundation work Landscaping (except for erosion prevention) Pools, hot tubs, or other luxury features (Bummer ! I know! πŸ˜’) 🧾 Borrower Submission Checklist Here’s what we’ll need to get started on your FHA 203(k) Limited loan: βœ… Basic Docs Loan Application (apply online or schedule an appointment) Government-issued ID Most recent 30 days of paystubs Last 2 years of W-2s or tax returns (for self-employed borrowers) Most recent 2 months of bank statements βœ… Property & Repair Info Signed Purchase Contract (if purchasing) Contractor’s Written Proposal with: Itemized list of repairs Cost breakdown (labor + materials) Statement that work is non-structural W-9 form from contractor Contractor license & insurance (if required by local jurisdiction) βœ… Appraisal & Renovation Docs Appraisal supporting As-Is and After-Improved Value Permit list (if applicable) Final Work Plan (signed off before close) πŸ’¬ Final Thoughts The FHA 203(k) Limited can turn a fixer into your dream home—or give your current space the refresh it deserves. With just one loan , you get flexibility , affordability , and peace of mind . Have a property in mind? Let's talk! πŸ‘‰ Schedule a Free Consultation https://freshhomeloan.com/schedule-a-meeting/ ο»Ώ 🏑 #FHA203k #203KLoan #RenovationLoan #FixerUpper #HomeRemodel #MortgageSolutions #FirstTimeHomeBuyer #HomeLoanHelp #RealEstateTips #MortgageBrokerLife #CaliforniaHomes #BayAreaRealEstate #CentralValleyHomes #DreamHomeGoals
A man is holding a card in front of a house.
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¿Qué es un préstamo ITIN? Un préstamo ITIN es una hipoteca diseñada para personas que declaran impuestos usando un Número de Identificación de Contribuyente Individual (ITIN) en lugar de un número de Seguro Social (SSN). El ITIN lo otorga el IRS a quienes no son elegibles para un SSN pero aún así deben declarar impuestos en EE. UU. πŸ’¬ En resumen: ¿No tienes SSN? ¡No hay problema! Si has sido financieramente responsable y cuentas con documentación básica, ¡podrías calificar! πŸ’ͺ πŸ‘¨‍πŸ‘©‍πŸ‘§‍πŸ‘¦ ¿Quién se beneficia de un préstamo ITIN? Los préstamos ITIN están diseñados para quienes persiguen el sueño americano — incluso sin documentación tradicional. Podrías beneficiarte si: 🌎 Eres inmigrante viviendo en EE. UU. sin green card ni SSN 🧾 Declaras impuestos usando un ITIN πŸ’Ό Tienes ingresos estables (W-2, por cuenta propia o incluso en efectivo con comprobantes) πŸ’³ Pagas renta y servicios a tiempo y puedes demostrarlo πŸ’₯ Hemos ayudado a familias que pensaban que comprar casa era imposible — ¡y cerraron en solo 30–45 días! πŸ› οΈ ¿Cómo funcionan los préstamos ITIN? Los préstamos ITIN generalmente son financiados por prestamistas no tradicionales (non-QM) o bancos especializados que operan fuera de los lineamientos de Fannie Mae/Freddie Mac. Aquí te explicamos cómo funcionan: πŸ’° Tipos de préstamo: Tasa fija o ajustable Compra, refinanciamiento o retiro de efectivo Propiedad principal, segunda vivienda y algunas propiedades de inversión πŸ’΅ Pago inicial: Generalmente del 10 % al 20 % A menudo se permiten fondos de regalo πŸ“Š Crédito: En algunos casos no se requiere puntaje FICO Se puede usar historial de renta, servicios públicos o incluso crédito internacional πŸ“‰ Tasas y plazos: Ligeramente más altas que las convencionales Disponibles con tasa fija a 30 años o ARM de 5/7/10 años πŸ“„ Documentación que necesitarás Para obtener una precalificación, debes demostrar estabilidad, ingresos y solvencia. La mayoría de los prestamistas solicitarán: πŸ†” ITIN válido y vigente πŸ“‘ 2 años de declaraciones de impuestos πŸ’Ό Comprobante de ingresos (W-2s, 1099s, o P&L si trabajas por cuenta propia) 🏦 2–3 meses de estados de cuenta bancarios 🌐 Identificación válida (pasaporte, matrícula consular, etc.) 🏘️ Historial de renta (comprobante bancario o carta del arrendador) πŸ’‘ Consejo extra: ¡Algunos prestamistas incluso aceptan ingresos o activos del extranjero! 🚫 Conceptos erróneos comunes sobre los préstamos ITIN ❌ Mito 1 : Los préstamos ITIN son ilegales. βœ… Falso. Son 100 % legales y cumplen con las regulaciones federales. ❌ Mito 2 : No calificas si eres trabajador independiente o te pagan en efectivo. βœ… No es cierto. Con declaraciones de impuestos o registros bancarios, definitivamente puedes calificar. ❌ Mito 3 : Te van a estafar o cobrar de más. βœ… ¡No con nosotros! Buscamos la mejor opción para tu préstamo y te explicamos todo con claridad. 🌱 ¿Por qué los préstamos ITIN son importantes para nuestras comunidades? 🏘️ Ser dueño de una casa crea riqueza generacional, estabiliza vecindarios y eleva a las familias. Para muchos inmigrantes, los préstamos ITIN son un puente hacia un futuro mejor — y nos enorgullece ser parte de ese proceso. ❀️ πŸ§‘‍πŸ’Ό Cómo pueden ayudar los agentes de bienes raíces Agentes inmobiliarios — ¡no dejen pasar esta oportunidad! Los compradores con ITIN son leales, motivados y, en muchos casos, están bien establecidos en sus comunidades. Aquí algunas formas de atenderlos mejor: 🀝 Haz equipo con prestamistas que conozcan las reglas de ITIN • πŸ“† Establece tiempos y expectativas realistas • πŸ’— Lidera con empatía y orientación πŸ“£ ¿Quieres destacar? Dirige tu marketing a clientes con ITIN — ¡nosotros te respaldamos! πŸ’Ό El enfoque de Fresh Home Loan hacia los préstamos ITIN En Fresh Home Loan Inc., trabajamos con prestamistas confiables para ofrecer soluciones hipotecarias ITIN rápidas, justas y transparentes. Ya sea tu primera casa o una inversión, estamos contigo en cada paso. βœ… πŸš€ ¿Listo para comenzar? ¿Conoces a alguien que pueda beneficiarse de un préstamo ITIN? Hagamos realidad el sueño de ser dueño de una casa — de la forma correcta, con apoyo y claridad desde el primer día. 🏠✨ “Llama hoy mismo para empezar tu precalificación — en Fresh Home Loan hablamos tu idioma y creemos en tu futuro.” ο»Ώ
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