Homebuying Step 4 of 7: After your home is under contract, we will order an appraisal, then your application will be managed be a loan processor. They will help you determine what supporting documentation will be needed to help you qualify for your new home loan.
As National Hispanic Heritage Month continues, we highlight another SWBC Mortgage employee and their thoughts about the significance of this celebration. #HispanicHeritageMonth
Is now a good time to buy? Point #4: Market conditions are surprisingly good for sellers in many areas of the country. So, if you are looking to sell your current home and move elsewhere, the timing might be beneficial depending on where you live. Call me to learn more about market conditions in your area!
We continue to help answer the question “Is now a good time to buy?” with point #3: You may be able to take advantage of historically-low interest rates.
Homebuyers continue to be enticed by some of the lowest mortgage interest rates on record. Lower rates and lower monthly payments can make owning a home a reality for many borrowers, but it’s important to find out what rates are available to you. Contact me today to learn more about beginning the loan process in today’s low-rate environment.
Homebuying Step 3 of 7: Next, you can apply online in minutes using our TurnKey® application, a simple and secure process that will guide you through this process. Once you begin your application, TurnKey will securely save your information, and you can then complete the process at any time.
Hispanic Heritage Month continues as SWBC Mortgage highlights another employee and their insights on the meaning of the celebration. #HispanicHeritageMonth
Homebuying Step 7 of 7: After you have reviewed the final numbers in your Closing Disclosure, you execute and sign all of your loan documents. Congratulations, homeowner! This is the last step to finding the happiest way to your new home!
Homebuying Step 6 of 7: Before we can close on your home loan, we ensure all underwriting conditions have been met, then finalize all loan requirements. By this time, you will know the exact amount of funds you’ll need to provide. We will also inform you of the date and time for your closing, usually scheduled with the title company.
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
Here is our final answer to the question, “Is now a good time to buy?" #5: Depending on your situation, a government-backed mortgage may be the ideal loan for you to get into a new home. These options may include VA, FHA, and Affordable Housing Programs, as well as conventional loans with lower down payments. Call me today to learn more!
Homebuying Step 5 of 7: During this stage, our underwriter will review all of your documents, including the appraisal report, then provide an approval decision. The underwriter will also indicate any additional conditions that may be necessary for you to get loan approval.
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.
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16 Home Decor Trends that are Going to Rule the Rest of 2020, According to Designers
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
Warm congratulations to our own Susan Stewart, CEO of SWBC Mortgage, who has been sworn in as the new Chair of the Mortgage Bankers Association! We're all very proud of Susan and her ongoing accomplishments as a terrific leader for our company and as a leading voice for the mortgage industry! #MBAAnnual2020
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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
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Battling Pandemic Blues: How Managers Can Rally the Troops
Just a friendly #DayLightSavings reminder:
Wishing you a very scary #Halloween!
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
If you know a veteran, make sure you take time today to thank them for their service. Happy #VeteransDay!
We’re thankful for all of you! Happy #Thanksgiving!
Best wishes from the SWBC family this holiday season! How does your family celebrate the holidays?
Happy #NewYear! What are some of your goals for 2021?
Join us to celebrate the life and legacy of a man who brought hope and healing to America - Martin Luther King Jr. #MLK
Happy #GroundhogDay!
Happy #PresidentsDay!
Hope your day is filled with the sweetest treats! #ValentinesDay
Staying-in-place has caused a unique – and unforeseen – situation for most people across the country, especially those of you on the homebuying journey. Depending on your situation, now may actually be a good time to prepare for purchasing a home and the best way to begin is by getting preapproved. Follow our next few posts as we explain the reasons for getting preapproved now.
Reason #1/3: The market is changing rapidly and it’s impossible to know which direction the housing market will go. If you’ve been in the market to buy, and don’t see that changing any time soon, then it’s essential to find out how much you can afford by getting preapproved. You may be able to take advantage of historically low interest rates. Call us today to get started.
Ever wonder how your credit score is actually determined? Learn more about your number, and what factors can help or hurt your score.
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How Does Your Credit Score Stack Up?
It’s tough to predict what will happen in the housing market. If you’re wondering if now is a good time to buy a home, or to prepare for when you’re ready to shop, learn about why you should consider getting preapproved.
Reason #2/3: Getting preapproved is a great way to get a picture of your current financial status with no requirement to purchase a home or use a particular loan program. Give us a call today to see how getting preapproved can get you prepared.
If you’ve been following our series on preapprovals, you now know the importance of understanding your financial situation when looking to purchase a home.
Reason #3/3: If you’re still searching for a new home, staying-in-place doesn’t mean you have to pause your process. Getting preapproved means you’ll be in the best position to make an intelligent buying decision and extend an offer to the seller more quickly. Call us today to get started.
Wishing you good luck and laughter this #StPatricksDay!
Remember to adjust those clocks for tomorrow.
