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.
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.
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.
"One of the most important lessons we've learned in living through this pandemic is that work-life fit lies in an authentic commitment to communication, flexible thinking, connection and respect." Read more about these work-life balance best practices.
HBR.ORG
4 Strengths of Family-Friendly Work Cultures
One of the biggest challenges we continue to face during the pandemic is how to maintain and foster connections with our communities. Here are several ideas on how you can better connect with--and help--those in need in your community.
BLOG.SWBC.COM
Strengthening Community Connections Amid the Coronavirus
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
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
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
Thinking about where to retire? Forbes Magazine compared over 750 cities in the U.S., evaluating everything from housing costs and taxes to healthcare and even air quality. Here's the Top 25 List for 2020. Did your city make the cut?
FORBES.COM
The Best Places To Retire In 2020
Our Top Producers are treated like celebrities. SWBC Mortgage has an environment where loan officers thrive, and we celebrate their success at a luxury resort destination every year. Since we weren’t able to travel this year, the next trip will be a celebration to remember with the largest number of President’s Club inductees ever!
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
https://swb.us/2T8jzIt
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
Congratulations Shane Siniard for achieving the top 1% mortgage originators in America from 2013-2019!
Put SWBC Mortgage to the test. Even if you have already spoken to another lender, call us for an apples-to-apples loan comparison. We can help ensure clients receive the right financing for your situation. This is a complimentary service so there’s nothing to lose—and only the straight facts to gain. Contact me today to start the process.
From Backpack Buddies 5k Run to adorable trick-or-treaters. This Halloween was a great one!
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
If you know a veteran, make sure you take time today to thank them for their service. Happy #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
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.
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
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!
Best wishes from the SWBC family this holiday season! How does your family celebrate the holidays?
I’m proud to announce that for the 8th straight year, I have earned the President’s Club honor for 2020. President's Club is reserved for loan officers who achieve the highest level of excellence within SWBC Mortgage. Our company has been living and lending in our local communities for over 30 years, and that strong foundation has allowed me to connect with my customers and referral partners in more meaningful ways...even when our world is a bit uncertain. So thank you to all of our customers for being a part of this journey with us!
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
I’m proud to announce that for the 9th straight year, I have earned the President’s Club honor for 2020. President's Club is reserved for loan officers who achieve the highest level of excellence within SWBC Mortgage. Our company has been living and lending in our local communities for over 30 years, and that strong foundation has allowed me to connect with my customers and referral partners in more meaningful ways...even when our world is a bit uncertain. So thank you to all of our customers for being a part of this journey with us!
With the holidays upon us, it's even more important to protect yourself and your family from COVID. Learn more about the hotspot locations you should try to avoid during the holidays and beyond.
HUFFPOST.COM
The 7 Most Common Places COVID-19 Is Spreading Right Now
Happy #NewYear! What are some of your goals for 2021?
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?
Wishing you and yours a joyous holiday season!
Join us to celebrate the life and legacy of a man who brought hope and healing to America - Martin Luther King Jr. #MLK
From growing up in poverty in Mississippi, to building a global media empire, Oprah Winfrey is one of the world’s most influential—and wealthiest—women. She has also been ranked as the greatest black philanthropist in American history by Bloomberg BusinessWeek. Oprah has become a role model and inspiration to people of all walks of life. Find out more about The Oprah Winfrey Charitable Foundation, and how you can get involved in supporting her initiatives including education, food insecurity, and more. #BlackHistoryMonth
OPRAHFOUNDATION.ORG
Oprah Winfrey Charitable Foundation -
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?
Happy #GroundhogDay!
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
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 Honors Black History Month—By The Numbers: For over 150 years, Historically Black Colleges and Universities (HBCUs) have graduated thousands of individuals who have impacted their communities, the nation, and the world. Learn more about America's 107 HBCUs, including stories featuring some of the most famous grads from across all walks of life. #BlackHistoryMonth
THEHUNDRED-SEVEN.ORG
HBCU Legends- Achievers in every field
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—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 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
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 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
Remember to adjust those clocks for tomorrow.
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 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
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
Wishing you good luck and laughter this #StPatricksDay!
Remember to adjust those clocks for tomorrow.
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 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
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
Wishing you good luck and laughter this #StPatricksDay!
Remember to adjust those clocks for tomorrow.
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 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
