Did you know there are hundreds of national and local programs to assist first-time homebuyers? Read more about these resources, and remember your local SWBC Mortgage branch has go-to experts that can help find a program that's right for you.
HOUSELOGIC.COM
First-Time Home-Buyer Programs You Should Know About
As National Hispanic Heritage Month continues, we highlight another SWBC Mortgage employee and their thoughts about the significance of this celebration. #HispanicHeritageMonth
From decorating your "Zoom Room" to creating more storage in unexpected places, 2020 has had a profound impact on home improvements and decor. Learn more about the emerging trends that are making homes more livable this year.
APARTMENTTHERAPY.COM
16 Home Decor Trends that are Going to Rule the Rest of 2020, According to Designers
MARKET UPDATE. The fourth month in a row of increases sent New Home Sales in August up past one million units a year for the first time since 2006. Sales are now up 30.6% from pre-pandemic January and 43.2% ahead of a year ago.
Likewise setting a record, Existing Home Sales passed the 6 million a year mark in August, also for the first time since 2006. After three straight months of gains, they’re now 4.2% above their February high, up 10.5% from a year ago.
First American’s chief economist sees growth “for the next couple of years,” from “Millennial first-time homebuyer demand...millions upon millions of households,” as mortgage rates "probably remain at historically low levels.”
Let my team know how we can support you!
Believe in yourself!
Do you miss socializing with your co-workers, neighbors, friends, and family? Learn how to stay better connected when we can't be together in person. #makethemost
BLOG.SWBC.COM
Staying Connected in Disconnected Times
Did you know there are hundreds of national and local programs to assist first-time homebuyers? Read more about these resources, and remember your local SWBC Mortgage branch has go-to experts that can help find a program that's right for you.
HOUSELOGIC.COM
First-Time Home-Buyer Programs You Should Know About
From decorating your "Zoom Room" to creating more storage in unexpected places, 2020 has had a profound impact on home improvements and decor. Learn more about the emerging trends that are making homes more livable this year.
APARTMENTTHERAPY.COM
16 Home Decor Trends that are Going to Rule the Rest of 2020, According to Designers
Enjoy a wonderful weekend!
-Team Sessa
MARKET UPDATE. Last week saw August Pending Home Sales hit a record high after climbing for four straight months. This measure of contracts signed on existing homes gained in all U.S. regions, and is now 24.2% ahead of a year ago.
It also foretells a hike in existing home sales in September when these contracts become closed deals. Tight inventory is edging prices up, but mortgage rates near historical lows are keeping monthly payments affordable.
Freddie Mac’s chief economist adds: “As a result of low mortgage rates...the housing market has seen a strong, upward trajectory.” Buyers “have more purchasing power” and homeowners can “refinance...for a better rate.”
My team is here to guide you if you are looking for a new mortgage or want to refinance your current mortgage.
Amanda Sessa, SWBC Mortgage updated their info in the about section.
Hispanic Heritage Month continues until October 15, and we have even more SWBC Mortgage employees who would like to share their feelings about what the celebration means to them. #HispanicHeritageMonth
As Hispanic Heritage Month comes to a close, SWBC Mortgage is proud to highlight Ruth Perez, a senior loan officer in our Brentwood, TN, branch. Ruth was recently named to the National Association of Hispanic Real Estate Professionals (NAHREP) Top 250 Latino Agents list for the second straight year, and has been a top-producing loan officer for over 20 years. She is also ranked in the top 1% of mortgage originators as reported by Mortgage Executive magazine. SWBC Mortgage thanks Ruth and all of our employees who participated in this year's #HispanicHeritageMonth. #NAHREP
It's the final week of Hispanic Heritage Month 2020, so we'd like to highlight another SWBC Mortgage employee, who shares his thoughts on the significance of the annual celebration. #HispanicHeritageMonth
Have you visited my new webpage yet? Click the link below and check out all of the new features that can help you with the homebuying journey. Visit me at https://swb.us/3nObczO
#boulder #colorado #boulderrealestate #bouldercolorado #homebuying
SWBCMORTGAGE.COM
Amanda Sessa | SWBC Mortgage
Have a wonderful weekend!
For the week ending October 10, the National Association of Realtors Housing Market Recovery Index rose well above its pre-pandemic baseline, more sellers are listing, and asking price growth dipped, its first drop since mid-April.
MARKET UPDATE. The year looks good too. Freddie Mac’s Quarterly Forecast expects home sales will grow to 6.2 million this year, with purchase mortgages reaching $1.414 trillion. Prices should rise 5.5% this year, but only 2.6% in 2021.
For home sellers, instant offers might mean a faster sale with no strangers in the house. But a recent study found that iBuyers cost sellers about 13% to 15% of a home’s sale price, versus the far lower agent's commission.
My team is here to support you!
#boulder #colorado #boulderrealestate #bouldercolorado
Human-resources professionals report that maintaining employee morale is their most difficult Covid-19 workplace issue. Learn how managers can better identify employee malaise and improve morale, especially as working at home is the only option. #makethemost
WSJ.COM
Battling Pandemic Blues: How Managers Can Rally the Troops
Boulder Ranked #1 in U.S. News and World Reports Best Places To Live 2020-21 List.
#boulderrealestate #boulder #colorado #bouldercolorado
REALESTATE.USNEWS.COM
The 150 Best Places to Live in America, Ranked
Success takes standing up over and over and over. Don't let anything hold you back! Have a wonderful weekend.
-Team Sessa
There is a lot to know about buying your first home. Learn more about the hidden homeownership costs so you can better plan a budget when searching for your dream house.
BLOG.SWBC.COM
Watch Out for These 8 Hidden Homebuying Costs
As our nation continues to grapple with the impact of the coronavirus pandemic, many business leaders are assembling teams and task forces to determine the best way to safely return their employees from home to the physical workplace. Learn some common return-to-work FAQs from leading government resources. #businessowners #businesstips #COVID19 #workfromhome #makethemost
BLOG.SWBC.COM
FAQs Regarding Return-to-Work Guidelines
Yeah, Boulder! We were just ranked #1 Best Place to Live by US News and World Report. We love living here! What do you like most about living in #Boulder? https://swb.us/3mrsVLS
USNEWS.COM
U.S. News & World Report Unveils the 2020-2021 Best Places to Live, Best Places to Retire Rankings
Are you ready to apply for a mortgage? Starting the process has never been easier. Click the link to visit my webpage to learn more and apply now! www.swbcmortgage.com/teamsessa
SWBCMORTGAGE.COM
Team Sessa | SWBC Mortgage
Did you know there were over 146,000 loan officers employed by more than 16,300 independent mortgage companies in America last year? That's why SWBC Mortgage Loan Officers continue to stand out by achieving Top 1% national rankings and earning other accolades. Proud to have Team Sessa represented in these rankings! #boulder #colorado #thankyou #homemortgage
LINKEDIN.COM
SWBC Mortgage posted on LinkedIn
MARKET UPDATE. Economists say don't worry about mild drops in monthly data--it’s the trend that counts. That was seen in the year-over-year figure for New Home Sales, UP 32.1%, though September slipped 3.5% after four months of big gains.
Same story with contracts signed on existing homes, as the Pending Home Sales index scored 20.5% year-over-year growth, the second highest ever, even though it dipped 2.2% in September following four months of increases.
The U.S. housing market is the most outperforming economic sector in the world. The National Association of Realtors says buyers pay roughly $20 less per month than last year for a median listing price home that now costs $35,000 more!
Team Sessa is always available to answer any question you have about your current mortgage or a new one.
Just a friendly #DayLightSavings reminder:
Wishing you a very scary #Halloween!
Whether you are a first-time or experienced homebuyer, it's not hard to get caught up in the sales process, especially when demand for homes is high. Learn some of the traps to avoid so you make a better, more informed purchase.
BLOG.SWBC.COM
Avoid These Red Flags During the Homebuying Process
Serving America means ‘honor and duty’ to Senior Loan Officer CJ Wyatt, as SWBC Mortgage continues to salute our veteran employees and all of those who unselfishly have served our country. #veteransday
“My military service is the foundation for the person I am today,” states Lee Barroll, U.S. Army veteran, as SWBC Mortgage continues this week to honor the service and sacrifice of our nation's veterans and active duty military members. #veteransday
“Proud to have served in a brotherhood that few who don’t serve would understand. One flag, one land, one heart, one nation….ever more!,” states SWBC Mortgage’s Jimmy Alexander, who is still serving the military community as our assistant branch manager and senior loan officer in Temple and Killeen, Texas. Jimmy works closely with active duty and retired veterans including those who serve at Ft. Hood, the most populous U.S. military installation in the world. #veteransday
SWBC Mortgage honors one of our newest veteran employees, Blair Gonzales, who states, “Serving in the military means sacrifice for those you love, and upholding a standard of honor and integrity in all that you do.” #veteransday
SWBC Mortgage honors the service and sacrifice of our nation's veterans and active duty military members. This week we’re highlighting several of our employees who have served in this nation’s armed forces. Meet veteran and loan processing specialist Lyndsie Brinkman, who states “It was an honor to be willing to sacrifice everything to serve God and protect my country.” #veteransday
All the love – and let’s face it, money – that you’ve invested in your fur-babies may have you fantasizing about them having a few side gigs of their own. And why not? A well-behaved pet can open the door to some income-earning opportunities. But don’t count on getting rich.
CUINSIGHT.COM
4 jobs that put your pet to work - CUInsight
My goal is to always be available for my customers and partners, and now it’s even easier to contact me. Check out my new webpage and click the “Contact Me” button to send a message, or click one of my phone numbers to call me directly.
SWBCMORTGAGE.COM
Team Sessa | SWBC Mortgage
Thank you to our client for this ????? review! ?
#boulder #colorado #homemortgage #homeloan #findinghome #thankyou
MARKET UPDATE // The equity homeowners have in their properties keeps growing. Attom Data reports 16.7 million homes are equity-rich as of Q3, meaning the amount of the loans secured by these homes is 50% or less than their market value.
The National Association of Realtors website reports housing market activity took a rest during election week. Their Housing Market Recovery Index (HMRI) slipped, yet remains above its pre-pandemic baseline.
Freddie Mac’s Chief Economist notes: “mortgage rates remain about a percentage point below a year ago.... Heading into late fall, the housing market continues to grow and buttress the economy.”
Our team is here to help you with your mortgage needs.
-Amanda & John Sessa
We’re thankful for all of you! Happy #Thanksgiving!
Our employees are happy working at SWBC Mortgage because they're connected and valued. In fact, we were ranked one of the top ten best companies to work for by the Mortgage Executive Magazine! Begin your journey with SWBC Mortgage and find out what it means to love where you work. https://swb.us/3mp8JdG
Announcing FHFA High Balance Loan Limit INCREASES for 2021! If you live in a high-cost area, this gives you more options in choosing your dream home. High Balance Conforming Loan Limits are increasing to $822,375 Contact me today for the specific loan limits in your market and what this means for your potential buying power. At SWBC Mortgage, we can offer these new loan limits immediately, so contact me today to learn more about what this could mean for you!
Announcing FHFA Loan Limit INCREASES for 2021! This gives you more options in choosing your dream home. New Conforming Loan Limits for one-unit dwellings will increase to $548,250 in 2021. At SWBC Mortgage, we can offer these new loan limits immediately, so contact me today to learn more about what this could mean for you.
MARKET UPDATE. Off a tick monthly thanks to September's upward revision, October New Home Sales soared 41.5% over a year ago, 29.1% above their pre-pandemic high. Builders are well-motivated when supply is below 4.3 months and it’s now at 3.3!
Conforming loan limits for mortgages backed by Fannie Mae and Freddie Mac will go up to $548,250 in 2021--and up to $822,375 in high-cost areas, plus Alaska, Hawaii, Guam, and U.S. Virgin Islands. Only 18 counties stay at 2020 limits.
Black Knight reports a record 19.4 million “high quality” homeowners could refinance and save an average of $309 a month, with 4.2 million saving at least $400 a month, and 2.7 million $500 a month or more!
Let us know if you have any mortgage needs. Team Sessa is ready to help you find a new mortgage or refinance the one you have.
As the economy is expected to rebound in 2021, the overall housing market will remain strong, according to a recent realtor.com® analysis. Read more on the top ten cities where buyers can actually get more for their money, including some surprising smaller cities that are affordable alternatives for 2021.
REALTOR.COM
The Top 10 Housing Markets of 2021—Who Made the List?
MORTGAGE UPDATE. Pending Home Sales dipped a tad in October, but are up a whopping 20.2% the past year. This index of contracts signed on existing homes was ahead annually in all regions, and forecasts solid November and December closed sales.
The FHA is raising 2021 loan limits to $356,362 in most of the U.S., $822,375 in high-cost areas, in between those limits in some counties, and to $1,233,550 in Alaska, Hawaii, Guam, and U.S. Virgin Islands due to higher construction costs.
Growth in home building shifted to suburbs and exurbs for the second straight quarter, up 15% in Q3. Yet October pageviews of homes in large metros were up 200% from a year ago on one national listing site.
Home improvements have become more popular than ever as we continue to hunker down in our homes. Learn how to improve everyone's favorite room on a realistic budget. #makethemost
BLOG.SWBC.COM
5 Ideas for Remodeling Your Kitchen Without Breaking the Bank
MARKET UPDATE | Black Knight reports mortgage originations totaled a record $1.3 trillion in Q3, $867 billion in refinances and $455 billion in purchase loans, each also record highs. First-lien originations are on pace to hit a record $4.4 trillion this year.
CoreLogic tells us homeowners saw their equity gain more than $1 trillion year-over-year in Q3, a 10.8% annual boost. The average equity increase per homeowner was $17,000—the largest in six and a half years.
Flips were down to 6.7% of single-family home and condo sales in Q2, versus 7.5% in Q1, according to Attom Data. Yet gross profit on the typical flip went up to $67,902, pushing the typical return on investment (ROI) to 41.3%!
Team Sessa is here to help you with the right mortgage. Just give us a call at 303.545.9600.
Best wishes from the SWBC family this holiday season! How does your family celebrate the holidays?
Throwback to when Boulder had a ski area. Recognize this location?
#boulder #colorado #skiing #getoutside
Boulder Public Library
December 11 at 4:11 PM ·
Did you know Boulder had a ski area?
Chautauqua Mesa started in 1948 as a ski jump built by residents. Located west of Baseline and 16th Street, the area opened the following year in 1949 boasting a 200-foot tow rope with an engine from a World War II-era Dodge truck. The Chautauqua Mesa ski area only lasted a few seasons due to a lack of snow and vandalism of the tow.
#boulderhistory #museumofboulder #loveskiing #boulderchautauqua #getoutside #snowday
New FHA loan limits have been announced, which gives you more options when choosing your dream home. Beginning in 2021, FHA's nationwide forward mortgage limits "floor" and "ceiling" for a one-unit property are $356,362 and $822,375, respectively. Loan Limits vary by County and MSA, so contact me today for more information!
MARKET UPDATE. November Housing Starts rose 1.2%, to a 1.547 million annual rate, with single-family starts up 27.1% from a year ago. Building Permits did even better, up 6.2% to a 1.639 annual rate, with single-family permits up 22.2% from a year ago.
Up seven straight months, single-family construction hit its highest level since 2007, 14.7% over its pre-pandemic high, more than a full V-shaped recovery. December builder confidence came in just off its November record high. Freddie Mac’s Chief Economist reports “...purchase demand shows no real signs of waning at all heading into next year.” Purchase mortgage applications in fact rose for the fourth time in the last five weeks.
Call me if I can help you with any of your mortgage needs.
As we gladly say goodbye to 2020 and welcome 2021, don't forget to take some important financial planning steps. Many important actions must be done before the year is over so you can reap tax and other benefits next year.
BLOG.SWBC.COM
Start 2021 off Right with this Year-End Financial To-Do List
Thank you for the ????? review!
Have you considered selling your home? The pandemic and its impact on the economy have actually spawned a booming housing market, as existing-home prices jumped 15.5% this year, according to the National Association of REALTORS®. Home prices overall are accelerating at the fastest pace in six years.
MAGAZINE.REALTOR
Homes Appreciate at Fastest Rate Since 2014
MARKET UPDATE. November Housing Starts rose 1.2%, to a 1.547 million annual rate, with single-family starts up 27.1% from a year ago. Building Permits did even better, up 6.2% to a 1.639 annual rate, with single-family permits up 22.2% from a year ago.
Up seven straight months, single-family construction hit its highest level since 2007, 14.7% over its pre-pandemic high, more than a full V-shaped recovery. December builder confidence came in just off its November record high. Freddie Mac’s Chief Economist reports “...purchase demand shows no real signs of waning at all heading into next year.” Purchase mortgage applications in fact rose for the fourth time in the last five weeks.
Call me if I can help you with any of your mortgage needs.
As we gladly say goodbye to 2020 and welcome 2021, don't forget to take some important financial planning steps. Many important actions must be done before the year is over so you can reap tax and other benefits next year.
BLOG.SWBC.COM
Start 2021 off Right with this Year-End Financial To-Do List
Thank you for the ????? review!
Happy #NewYear! What are some of your goals for 2021?
My clients are my highest priority. Thank you for the thoughtful review!
For the second straight year, SWBC Mortgage was named one of the 'Best Mortgage Companies to Work For' by National Mortgage News! This annual award is recognition that SWBC Mortgage continues to be one of the industry's leading employers and places to work. Learn more about SWBC Mortgage here. https://swb.us/337ty6o
MORTGAGE UPDATE | After five months of gains, Existing Home Sales slipped 2.5% in November, but are still up 25.8% from a year ago and 16.1% above pre-pandemic levels. The problem is inventory, the lowest it’s been since 1999.
Cooling off in November, New Home Sales fell 11.0% to a 0.841 million annual rate, yet 8.7% above January’s pre-pandemic high. Problem here is we need more finished new homes available for sale.
Purchase mortgage applications are up 26% year-over-year. The third quarter saw the biggest first-time buyer market in two decades, up 15.7% the past year alone. Low mortgage rates are keeping homes affordable.
If you are considering a refinance or new home mortgage, give me a call. I'm here and ready to help you find a loan.
Have you considered selling your home? The pandemic and its impact on the economy have actually spawned a booming housing market, as existing-home prices jumped 15.5% this year, according to the National Association of REALTORS®. Home prices overall are accelerating at the fastest pace in six years.
MAGAZINE.REALTOR
Homes Appreciate at Fastest Rate Since 2014
MARKET UPDATE. November Housing Starts rose 1.2%, to a 1.547 million annual rate, with single-family starts up 27.1% from a year ago. Building Permits did even better, up 6.2% to a 1.639 annual rate, with single-family permits up 22.2% from a year ago.
Up seven straight months, single-family construction hit its highest level since 2007, 14.7% over its pre-pandemic high, more than a full V-shaped recovery. December builder confidence came in just off its November record high. Freddie Mac’s Chief Economist reports “...purchase demand shows no real signs of waning at all heading into next year.” Purchase mortgage applications in fact rose for the fourth time in the last five weeks.
Call me if I can help you with any of your mortgage needs.
Improving personal finances is an always-popular New Year’s resolution. If spending less and saving more is on your 2021 list, learn how to set and meet realistic financial goals.
BLOG.SWBC.COM
5 Ways to Make Your Financial New Year’s Resolutions Stick
MORTGAGE UPDATE // November Pending Home Sales came in 16.4% higher than a year ago, the highest November on record. But the index of contracts signed on existing homes did slip a bit for the month due to tight inventories.
An online real estate data base reports year-over-year sales from September to November were up 6.8% for lower priced homes, up 14.8% for mid-priced homes, and up a whopping 60.7% for luxury homes.
For 2021, experts see more home sales, driven by three tailwinds: low mortgage rates; demand from millennials, the largest demographic group in history; and more inventory, as home building grows and sellers come back to the market.
I am always ready to help you find a new mortgage or refinance your current mortgage. Give me a call at 303.545.9600.
Home inspections are often the most difficult step in selling your property. Learn some tips to make this process easier for both you and your potential buyers.
BLOG.SWBC.COM
The Savvy Seller's Guide to a Stress- Free Home Inspection
Happy #NewYear! What are some of your goals for 2021?
My clients are my highest priority. Thank you for the thoughtful review!
For the second straight year, SWBC Mortgage was named one of the 'Best Mortgage Companies to Work For' by National Mortgage News! This annual award is recognition that SWBC Mortgage continues to be one of the industry's leading employers and places to work. Learn more about SWBC Mortgage here. https://swb.us/337ty6o
Want to improve the look and feel of your work-at-home video conference calls? Learn how a little decor and organization can have a big impact on your virtual workspace. #makethemost
REALTOR.COM
What Is a Zoom Room? 5 Tips for Creating One in Your Home Now
If you are temporarily (or permanently) working at home, how you set up your office space can have a significant impact on your health. Learn the tips for maintaining good posture and other ergonomics to ensure your comfort when working at home.
NEWSNETWORK.MAYOCLINIC.ORG
Home office ergonomics tips
MORTGAGE UPDATE. November saw Construction Spending hit a record high. The data includes all public and private construction projects, but the gain was driven by home building--up 2.7% for the month, to a $658.1 billion annual rate.
Those new homes will eventually relieve the low inventories pushing prices higher. The national S&P CoreLogic Case-Shiller Index saw home prices grow 8.4% in October--hitting a new high, 25% above its 2006 peak.
Yet demand is booming. ShowingTime reports the normal fall slowdown was upended again in November--showing traffic went up 47.2% across the country, as buyer activity continued its late-season surge.
I am here to help you with a new mortgage or refinance of your existing mortgage. Give me a call at 303.545.9600.
Improving personal finances is an always-popular New Year’s resolution. If spending less and saving more is on your 2021 list, learn how to set and meet realistic financial goals.
BLOG.SWBC.COM
5 Ways to Make Your Financial New Year’s Resolutions Stick
MORTGAGE UPDATE // November Pending Home Sales came in 16.4% higher than a year ago, the highest November on record. But the index of contracts signed on existing homes did slip a bit for the month due to tight inventories.
An online real estate data base reports year-over-year sales from September to November were up 6.8% for lower priced homes, up 14.8% for mid-priced homes, and up a whopping 60.7% for luxury homes.
For 2021, experts see more home sales, driven by three tailwinds: low mortgage rates; demand from millennials, the largest demographic group in history; and more inventory, as home building grows and sellers come back to the market.
I am always ready to help you find a new mortgage or refinance your current mortgage. Give me a call at 303.545.9600.
Home inspections are often the most difficult step in selling your property. Learn some tips to make this process easier for both you and your potential buyers.
BLOG.SWBC.COM
The Savvy Seller's Guide to a Stress- Free Home Inspection
Considering Refinancing Your Mortgage? Here are some questions to ask yourself. Of course my team is here to answer any questions you may have. Give me a call at 303.545.9600 if you'd like to discuss refinancing your mortgage.
SWBCMORTGAGE.COM
5 Questions to Ask Before You Refinance Your Mortgage
Join us to celebrate the life and legacy of a man who brought hope and healing to America - Martin Luther King Jr. #MLK
Want to improve the look and feel of your work-at-home video conference calls? Learn how a little decor and organization can have a big impact on your virtual workspace. #makethemost
REALTOR.COM
What Is a Zoom Room? 5 Tips for Creating One in Your Home Now
If you are temporarily (or permanently) working at home, how you set up your office space can have a significant impact on your health. Learn the tips for maintaining good posture and other ergonomics to ensure your comfort when working at home.
NEWSNETWORK.MAYOCLINIC.ORG
Home office ergonomics tips
MORTGAGE UPDATE. November saw Construction Spending hit a record high. The data includes all public and private construction projects, but the gain was driven by home building--up 2.7% for the month, to a $658.1 billion annual rate.
Those new homes will eventually relieve the low inventories pushing prices higher. The national S&P CoreLogic Case-Shiller Index saw home prices grow 8.4% in October--hitting a new high, 25% above its 2006 peak.
Yet demand is booming. ShowingTime reports the normal fall slowdown was upended again in November--showing traffic went up 47.2% across the country, as buyer activity continued its late-season surge.
I am here to help you with a new mortgage or refinance of your existing mortgage. Give me a call at 303.545.9600.
Improving personal finances is an always-popular New Year’s resolution. If spending less and saving more is on your 2021 list, learn how to set and meet realistic financial goals.
BLOG.SWBC.COM
5 Ways to Make Your Financial New Year’s Resolutions Stick
The Federal Housing Administration (FHA) announced that individuals classified as Deferred Action for Childhood Arrivals (DACA) can now obtain FHA financing. These individuals are now eligible for an FHA mortgage under non-permanent resident alien guidelines. If this applies to you, contact me today to learn more about your options for homeownership.
MARKET UPDATE. Existing Home Sales rose to a 6.760 million annual rate in December. Sales in 2020 were the strongest since 2006, up 6.5% from 2019. High demand took 70% of sold homes off the market in less a month.
Inventories are shrinking, so it was heartening to see Housing Starts rocket up in December to a 1.669 million annual rate. Home building hit its fastest pace since 2006, and single-family starts are now up 29.4% from their February high.
Plus, more homes will come. Building Permits were issued in December at a 1.709 million yearly rate, also the highest level since 2006. NAHB homebuilder sentiment, though slipping a bit in January, still came in at a very high 83 read.
I'm ready to help you with a refi or new mortgage! -Amanda
Considering Refinancing Your Mortgage? Here are some questions to ask yourself. Of course my team is here to answer any questions you may have. Give me a call at 303.545.9600 if you'd like to discuss refinancing your mortgage.
SWBCMORTGAGE.COM
5 Questions to Ask Before You Refinance Your Mortgage
Join us to celebrate the life and legacy of a man who brought hope and healing to America - Martin Luther King Jr. #MLK
Want to improve the look and feel of your work-at-home video conference calls? Learn how a little decor and organization can have a big impact on your virtual workspace. #makethemost
REALTOR.COM
What Is a Zoom Room? 5 Tips for Creating One in Your Home Now
If you are temporarily (or permanently) working at home, how you set up your office space can have a significant impact on your health. Learn the tips for maintaining good posture and other ergonomics to ensure your comfort when working at home.
NEWSNETWORK.MAYOCLINIC.ORG
Home office ergonomics tips
Working and spending more time at home has created significant demand for remodeling, especially in our all-important kitchens. Read more about the latest kitchen design trends for 2021 and beyond.
REALTOR.COM
Good Riddance to Open Floor Plans and Cabinets Galore: Top Kitchen Trends of 2021
The Federal Housing Administration (FHA) announced that individuals classified as Deferred Action for Childhood Arrivals (DACA) can now obtain FHA financing. These individuals are now eligible for an FHA mortgage under non-permanent resident alien guidelines. If this applies to you, contact me today to learn more about your options for homeownership.
MARKET UPDATE. Existing Home Sales rose to a 6.760 million annual rate in December. Sales in 2020 were the strongest since 2006, up 6.5% from 2019. High demand took 70% of sold homes off the market in less a month.
Inventories are shrinking, so it was heartening to see Housing Starts rocket up in December to a 1.669 million annual rate. Home building hit its fastest pace since 2006, and single-family starts are now up 29.4% from their February high.
Plus, more homes will come. Building Permits were issued in December at a 1.709 million yearly rate, also the highest level since 2006. NAHB homebuilder sentiment, though slipping a bit in January, still came in at a very high 83 read.
I'm ready to help you with a refi or new mortgage! -Amanda
Considering Refinancing Your Mortgage? Here are some questions to ask yourself. Of course my team is here to answer any questions you may have. Give me a call at 303.545.9600 if you'd like to discuss refinancing your mortgage.
SWBCMORTGAGE.COM
5 Questions to Ask Before You Refinance Your Mortgage
Join us to celebrate the life and legacy of a man who brought hope and healing to America - Martin Luther King Jr. #MLK
Want to improve the look and feel of your work-at-home video conference calls? Learn how a little decor and organization can have a big impact on your virtual workspace. #makethemost
REALTOR.COM
What Is a Zoom Room? 5 Tips for Creating One in Your Home Now
Ever wonder how your credit score is actually determined? Learn more about your number, and what factors can help or hurt your score.
BLOG.SWBC.COM
How Does Your Credit Score Stack Up?
Thank you for another ????? review! I always look forward to being of service to my clients.
Wondering if it's time to refinance your mortgage? Give me a call to discuss your situation and rates.
#boulder #colorado #mortgagebroker #refinance
Happy #GroundhogDay!
Working and spending more time at home has created significant demand for remodeling, especially in our all-important kitchens. Read more about the latest kitchen design trends for 2021 and beyond.
REALTOR.COM
Good Riddance to Open Floor Plans and Cabinets Galore: Top Kitchen Trends of 2021
The Federal Housing Administration (FHA) announced that individuals classified as Deferred Action for Childhood Arrivals (DACA) can now obtain FHA financing. These individuals are now eligible for an FHA mortgage under non-permanent resident alien guidelines. If this applies to you, contact me today to learn more about your options for homeownership.
MARKET UPDATE. Existing Home Sales rose to a 6.760 million annual rate in December. Sales in 2020 were the strongest since 2006, up 6.5% from 2019. High demand took 70% of sold homes off the market in less a month.
Inventories are shrinking, so it was heartening to see Housing Starts rocket up in December to a 1.669 million annual rate. Home building hit its fastest pace since 2006, and single-family starts are now up 29.4% from their February high.
Plus, more homes will come. Building Permits were issued in December at a 1.709 million yearly rate, also the highest level since 2006. NAHB homebuilder sentiment, though slipping a bit in January, still came in at a very high 83 read.
I'm ready to help you with a refi or new mortgage! -Amanda
SWBC Mortgage Celebrates Black History Month—The National Museum of African American Music recently opened in Nashville after 22 years of planning. The new facility includes six interactive sections, and represents 50 genres of music, including gospel, jazz, rhythm and blues, and hip-hop. Read more about this innovative new facility here. #BlackHistoryMonth
NMAAM.ORG
History - National Museum of African American Music
As we continue to deal with the pandemic, here comes the beginning of the annual cold and flu season. Read more on how to ensure your home cleaning routines are effective this winter.
BLOG.SWBC.COM
Stay Vigilant with these Home Cleaning and Disinfecting Tips
Thank you for another wonderful review! I look forward to serving all of my clients. Wondering if it's time to refinance or looking to purchase a home? I'm always happy to hear from you!!!!
SWBC Mortgage Celebrates Black History Month—Trailblazers: As NASA prepares to return astronauts to the moon, take a moment to remember the groundbreaking work of Katherine Johnson, the African American mathematician and scientist whose life story was depicted in the film Hidden Figures. Johnson, who died last year at age 101, was one of the first black women hired by the space agency. She quickly became an invaluable "human computer" doing complex calculations for numerous missions, including the historic first moon landing in 1969 #BlackHistoryMonth
NASA.GOV
Katherine Johnson Biography
SWBC Mortgage is dedicated to innovation, so we’ve partnered with Blend® to streamline the borrower’s application process from start to finish, creating a dramatically easier path to fulfilling application requirements in a secure, fast, and organized digital setting. Check out the SWBC Mortgage case study to find out more.
BLEND.COM
Case Study: SWBC Mortgage + Blend
MARKET UPDATE. Attom Data reports, thanks to rising median home prices nationwide, home sellers pocketed a $68,843 profit on the typical home sale in 2020, the most since 2005. The 34.7% return on investment (ROI) was the highest since 2006.
Home seller profits went up in more than 90% of the markets evaluated, and both profits and ROI have now grown nationwide nine years in a row. Yet people are staying in their homes longer—average tenure hit 8.33 years in Q4 of 2020.
Realtor.com’s Housing Market Recovery Index stayed above its pre-pandemic baseline, all measures, except new listings, growing faster than a year ago. They see the housing market “in position for further growth this spring.”
Please let me know if you have any questions about the market or are considering a new mortgage or refinance of your existing mortgage. I'm here to help!
Historically Low Rates on 30-Year Fixed-Rate Mortgages. Considering refinancing your mortgage? I'm ready to help! Contact me at 303.545.9600.
#teamsessa #lowmortgagerates #homeownership
USHERPA.COM
Historical Rates on 30-Year Fixed-Rate Mortgages Since 1972
SWBC Mortgage Celebrates Black History Month—Trailblazers—“I've missed more than 9,000 shots in my career. I've lost almost 300 games. Twenty-six times I've been trusted to take the game-winning shot...and missed. I've failed over, and repeatedly in my life. And that is why I succeed,” says Hall of Famer Michael Jordan. Considered perhaps the greatest player in NBA history, Jordan still has numerous endorsement contracts 17 years after hanging up his eponymous hightops. And as one of the nation’s wealthiest billionaires, his generous philanthropy has been as impressive as his on-court successes. #BlackHistoryMonth
NBA.COM
Michael Jordan’s philanthropic activities | NBA.com
Happy #PresidentsDay!
Hope your day is filled with the sweetest treats! #ValentinesDay
SWBC Mortgage Celebrates Black History Month—The National Museum of African American Music recently opened in Nashville after 22 years of planning. The new facility includes six interactive sections, and represents 50 genres of music, including gospel, jazz, rhythm and blues, and hip-hop. Read more about this innovative new facility here. #BlackHistoryMonth
NMAAM.ORG
History - National Museum of African American Music
As we continue to deal with the pandemic, here comes the beginning of the annual cold and flu season. Read more on how to ensure your home cleaning routines are effective this winter.
BLOG.SWBC.COM
Stay Vigilant with these Home Cleaning and Disinfecting Tips
Thank you for the review, Sam! ?????
I appreciate all my clients and the opportunity to service your new loans or refinance your existing ones.
#homebuying #refinance #homeloans #boulder #colorado
30-Year Fixed-Rate Mortgages are at Historical Lows. Considering refinancing your home? Give me a call.
USHERPA.COM
Historical Rates (Freddie Mac*) on 30-Year Fixed-Rate Mortgages
SWBC Mortgage Honors Black History Month—By The Numbers: George Washington Carver, the trailblazing black American botanist and inventor, created over 100 products derived from peanuts. Among his many discoveries were plant-based cosmetics, paints, plastics, and alternative fuels. Watch this video to learn more about his life and vast contributions to science and industry. #blackhistorymonth
YOUTUBE.COM
George Washington Carver | The Henry Ford's Innovation Nation
SWBC Mortgage Honors Black History Month —Trailblazers—Philadelphia's Joseph V. Baker (1908-1993) was the first black owner of a public relations firm, and gained national prominence working with top corporations including DuPont, U.S. Steel, Chrysler, Gillette, and Procter & Gamble. He was also the first African American to earn accreditation from the PR Society of America (PRSA) while becoming a role model for minorities seeking a career path in corporate communications. #BlackHistoryMonth
PRNEWSONLINE.COM
Joseph V. Baker: America's First Black PR Firm Owner
SWBC Mortgage Celebrates Black History Month–Did You Know? There have been 16 black recipients of the Nobel Prize, including four African Americans. In 1950, Ralph Bunch was the very first black individual to win the prestigious award. Bunch served an influential role in mediating world affairs, from the Middle East to the Civil Rights Movement. Read more about Bunch and the other influential black Nobel Prize winners throughout history. #BlackHistoryMonth
WORLDATLAS.COM
Black Nobel Prize Winners
Thank you for the review, Sam! ?????
I appreciate all my clients and the opportunity to service your new loans or refinance your existing ones.
#homebuying #refinance #homeloans #boulder #colorado
30-Year Fixed-Rate Mortgages are at Historical Lows. Considering refinancing your home? Give me a call.
USHERPA.COM
Historical Rates (Freddie Mac*) on 30-Year Fixed-Rate Mortgages
SWBC Mortgage Honors Black History Month–Trailblazers: “Life is not a spectator sport. If you’re going to spend your whole life in the grandstand just watching what goes on, in my opinion, you’re wasting your life,” said Jackie Robinson. Perhaps no other athlete had a more profound impact on sports than the all-star second basemen who broke the major league color bar. Baseball has permanently retired number 42 for all players. And, on April 15 every season, all team members—even the umpires—wear number 42, to commemorate Opening Day 1947, Robinson’s first game in the majors. #BlackHistoryMonth
BASEBALLHALL.ORG
Jackie Robinson
✨ Thank you to my valued clients for trusting me with your mortgage needs! ✨
Friends, I have a brand new webpage that I would love for you to check out! There are some great resources on the homebuying process, along with an easier way to begin your mortgage application process. Take a look and let me know what you think. ? www.swbcmortgage.com/teamsessa
SWBCMORTGAGE.COM
Team Sessa | SWBC Mortgage
SWBC Mortgage Honors Black History Month—By The Numbers: George Washington Carver, the trailblazing black American botanist and inventor, created over 100 products derived from peanuts. Among his many discoveries were plant-based cosmetics, paints, plastics, and alternative fuels. Watch this video to learn more about his life and vast contributions to science and industry. #blackhistorymonth
YOUTUBE.COM
George Washington Carver | The Henry Ford's Innovation Nation
SWBC Mortgage Honors Black History Month —Trailblazers—Philadelphia's Joseph V. Baker (1908-1993) was the first black owner of a public relations firm, and gained national prominence working with top corporations including DuPont, U.S. Steel, Chrysler, Gillette, and Procter & Gamble. He was also the first African American to earn accreditation from the PR Society of America (PRSA) while becoming a role model for minorities seeking a career path in corporate communications. #BlackHistoryMonth
PRNEWSONLINE.COM
Joseph V. Baker: America's First Black PR Firm Owner
SWBC Mortgage Celebrates Black History Month–Did You Know? There have been 16 black recipients of the Nobel Prize, including four African Americans. In 1950, Ralph Bunch was the very first black individual to win the prestigious award. Bunch served an influential role in mediating world affairs, from the Middle East to the Civil Rights Movement. Read more about Bunch and the other influential black Nobel Prize winners throughout history. #BlackHistoryMonth
WORLDATLAS.COM
Black Nobel Prize Winners
Thank you for the review, Sam! ?????
I appreciate all my clients and the opportunity to service your new loans or refinance your existing ones.
#homebuying #refinance #homeloans #boulder #colorado
When pandemics sweep through societies, they upend critical structures, such as health systems and medical treatments, economic life, communities, and everyday family life. Read the interesting new report from the Pew Research Center and Elon University on the potential changes and challenges we may experience expect after the COVID-19 outbreak subsides.
PEWRESEARCH.ORG
Experts Say the ‘New Normal’ in 2025 Will Be Far More Tech-Driven, Presenting More Big Challenges
Did you purchase or refinance a home last year? Then read this important guide before you prepare and file your taxes in 2021.
REALTOR.COM
7 Tax Benefits of Owning a Home: A Complete Guide for Filing This Year
SWBC Mortgage has placed in the top five list of 'Best Large Mortgage Companies to Work For' by National Mortgage News! For the third straight year, SWBC Mortgage has been recognized as one of the industry's leading employers and places to work. Interested in joining a leader? Learn more about SWBC Mortgage here: https://www.swbcmortgage.com/careers
NATIONALMORTGAGENEWS.COM
2021 Best Large Mortgage Companies to Work For
MARKET UPDATE. Last week, the purchase mortgage application index rose a solid 5%. The Mortgage Bankers Association's chief forecaster noted: “The housing market is entering the busy spring buying season with strong demand.”
Freddie Mac’s chief economist added: “While purchase activity remains high, it has cooled off....However, the rise in mortgage rates over the next couple of months is likely to be more muted…and we expect a strong spring sales season.”
Construction spending rose 1.7% in January, up 2.1% including prior month revisions. Almost all construction categories increased, but best of all, the spending gains were led by single-family home building!
I'm here for you if you have any questions about your current mortgage or future mortgage needs. I welcome a conversation! -Amanda
✨ Thank you to my valued clients for trusting me with your mortgage needs! ✨
Friends, I have a brand new webpage that I would love for you to check out! There are some great resources on the homebuying process, along with an easier way to begin your mortgage application process. Take a look and let me know what you think. ? www.swbcmortgage.com/teamsessa
SWBCMORTGAGE.COM
Team Sessa | SWBC Mortgage
Still waiting for your COVID-19 vaccine? Learn about a new website where you can register for a stand-by list to receive an excess vaccine shot before it expires.
USATODAY.COM
Looking for a COVID-19 vaccine? This website may text you when a vaccine is about to go unused
Wishing you good luck and laughter this #StPatricksDay!
A booming market isn't the only thing that can increase home values. How can you vastly increase your selling price—even during the pandemic? Learn more about the fresh, most important renovations that can help you create a must-have property. And contact me soon if you would like to explore SWBC Mortgage's renovation loan options.
REALTOR.COM
What the Flip? Portland Home Gets a Major Face-Lift and Gains $600K in Value
MARKET UPDATE. An online real estate database reports the average sale-to-list price ratio—how close homes sell to their asking price—for the seven-day period ending February 28 jumped to a new high of 99.9%.
Demand continues. A National Association of Home Builders Q4 2020 report says 15% of Americans are considering a home purchase in the next 12 months, 4% over a year ago, the largest annual increase in the survey's history.
Significantly, 27% of millennials intend to buy a home in the next 12 months, an 8% yearly gain, especially important with the biggest number of millennials just under the peak first-time homebuyer age of 32-33.
If you are considering refinancing, I would be honored to help you!
Amanda
When pandemics sweep through societies, they upend critical structures, such as health systems and medical treatments, economic life, communities, and everyday family life. Read the interesting new report from the Pew Research Center and Elon University on the potential changes and challenges we may experience expect after the COVID-19 outbreak subsides.
PEWRESEARCH.ORG
Experts Say the ‘New Normal’ in 2025 Will Be Far More Tech-Driven, Presenting More Big Challenges
Did you purchase or refinance a home last year? Then read this important guide before you prepare and file your taxes in 2021.
REALTOR.COM
7 Tax Benefits of Owning a Home: A Complete Guide for Filing This Year
As you can see Mortgage rates are the lowest they've been in decades. If you are looking to get a loan to finance the home of your dream, Give us a call!
USHERPA.COM
Historical Rates on 30-Year Fixed-Rate Mortgages Since 1972
The pandemic has impacted just about every aspect of our lives, especially how we think about real estate. Read more for an interesting perspective on how COVID has changed the housing market.
BLOG.SWBC.COM
How Has COVID-19 Affected Housing Priorities?
Words cannot describe the tragedy that struck our community. Our hearts go out to all those affected. ❤️
#coloradostrong #boulderstrong
HOUSING MARKET UPDATE // Housing Starts declined in February for the second month in a row, thanks mostly to harsh winter weather in much of the country, clear down to Texas. The 1.421 million annual rate left starts off 9.3% from a year ago.
Building permits, though also down in February, are at their highest level since 2006—a 1.682 million annual rate—and have outpaced construction seven months in a row. So, an upward trend should soon return.
The backlog of permitted projects is now the biggest it’s been in 15 years. Small wonder the National Association of Home Builders confidence index, off 2 points in March due to higher lumber costs, is still at an elevated 82 read.
Let my team know how we can stand with you if you are interested in refinancing or getting a new mortgage. - Amanda / Team Sessa
Still waiting for your COVID-19 vaccine? Learn about a new website where you can register for a stand-by list to receive an excess vaccine shot before it expires.
USATODAY.COM
Looking for a COVID-19 vaccine? This website may text you when a vaccine is about to go unused
Wishing you good luck and laughter this #StPatricksDay!
