Susan Wingfield

Susan Wingfield Senior Branch Manager | NMLS 374708 | GRMA 30940 | Here to help your homeownership dreams come true!

If you’re thinking about purchasing a home 🏡, savings is crucial not only for buying the property but also for managing ...
10/08/2024

If you’re thinking about purchasing a home 🏡, savings is crucial not only for buying the property but also for managing your finances as a homeowner. This time of year can be tough for saving with the holidays approaching 🎉 and all the fall decor 🍂 tempting us to spend. However, the practices you put in place now are essential for your current and future investments 💰. One key tip is to maintain different accounts for different goals. For example, set up an emergency fund separate from your savings for investments, and consider using high-yield savings accounts 📈 to accelerate your progress even more.

Keeping these accounts organized can also help streamline the mortgage process, as you won’t need to provide documentation from multiple accounts for your down payment and upfront costs.

If you have any questions about this or the mortgage process, I’m here to help! 🤝

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This week, let’s keep in mind that progress is the goal, even if you’re not quite ready to chase your dreams just yet. 🚀...
10/07/2024

This week, let’s keep in mind that progress is the goal, even if you’re not quite ready to chase your dreams just yet. 🚀 Every small step you take gets you closer to where you want to be. Let’s focus on moving forward together! 💪🏡✨

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10/02/2024

🍁 Here’s how to optimize this real estate season from a mortgage perspective:

1️⃣ Get Pre-Approved ASAP: Secure your rate before any potential market shifts with Silverton Mortgage’s Silverton Secure Program. With this program you have the opportunity to receive underwriting approval and lock in a rate before even finding a property, giving you a competitive advantage! 💼💸

2️⃣ Clarify Your Priorities: With some inventory improvements, concentrate on your must-haves versus nice-to-haves. If you’re struggling to find the perfect fit, consider our Renovation Loan option to turn a house into your dream home! 🏡✔️

3️⃣ Act Fast: Fall attracts motivated buyers and sellers, so timing is essential. Programs like our Future Income Program can assist you even during a job transition. Don’t let uncertainty derail your homeownership dreams! 🏃‍♀️

4️⃣ Partner with a Pro: This market can be challenging, but you don’t have to navigate it alone. I'm here to help you through the mortgage process and secure the best financing options. 🙌🏼

Let’s make this fall the season you discover your dream home and secure the perfect financing solution! DM me to get started 🗝️📲

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October brings exciting opportunities for homebuyers as the housing market shifts, revealing motivated sellers eager to ...
10/01/2024

October brings exciting opportunities for homebuyers as the housing market shifts, revealing motivated sellers eager to finalize deals before year-end. 📉 With interest rates fluctuating as we gain insights into the economy, it’s crucial to connect with a lender soon to explore your options. 💰 Fall often sees less competition as buyers take a break for school and the holidays, allowing serious home seekers to find better deals and negotiate effectively. 🏡

Embrace the possibilities this month offers—your dream home could be just around the corner! ✨

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Life’s detours often come when we least expect them, but it's how we navigate forward that reveals our true strength. So...
09/30/2024

Life’s detours often come when we least expect them, but it's how we navigate forward that reveals our true strength. Sometimes, unexpected turns remind us that we are capable of so much more. As we face challenges together, our communities grow stronger, and we find courage in the support around us. Stay strong, embrace the journey, and move forward with courage this week—you are capable of great things! 🌟

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09/26/2024

🌟 The market is changing, and new opportunities are emerging! A positive mindset is EVERYTHING when chasing big goals. 💪✨ Try these tactics:

🔑 "My credit isn't good enough to qualify."
Ask us about *FHA loan options!

🏡 "I can't afford my dream home."
Buy within your current budget and upgrade later!

💰 "I don't have enough for a down payment."
Explore Down Payment Assistance Programs with us!

🚪 "There’s no way I can buy a home right now."
Talk to an expert to find a plan that works for you!

If you're ready to explore your homeownership dreams, send us a message! We’re here to help you achieve them! 🏡📨

*Silverton Mortgage is authorized to originate FHA, VA, and USDA loans, but it is not an agent of, or affiliated with, the U.S. Government. All trademarks are property of their respective owners.

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Shifting jobs while buying a new home? Our Future Income Program gives you the opportunity to qualify using just your jo...
09/24/2024

Shifting jobs while buying a new home? Our Future Income Program gives you the opportunity to qualify using just your job contract or offer letter while waiting for your traditional 2-4 months of past pay stubs! 🏡✨

You will need to provide your anticipated income details through the form of an offer letter or contract, and submit a pay stub from your new job within 30 days after closing to protect your interest rate and avoid post-closing costs.

Note: This program is for new employment or salary increases; hourly employees are not eligible.

Let’s make your transition smooth! 💼💪

Fall is here, bringing the perfect opportunity for a fresh start—whether it’s saving for a home, improving your credit, ...
09/23/2024

Fall is here, bringing the perfect opportunity for a fresh start—whether it’s saving for a home, improving your credit, focusing on your must-haves, or just making healthier choices. 🍂 With improving rates and a few months left in the year, now’s the time to refocus and finish strong.

Let’s make the most of this season! 🍁✨

Ever wonder how your mortgage rate is determined? 🏡💰 It’s based on several key factors, like:1️⃣ Credit Score: The highe...
09/17/2024

Ever wonder how your mortgage rate is determined? 🏡💰 It’s based on several key factors, like:

1️⃣ Credit Score: The higher your score, the better your rate! 📈
2️⃣ Loan Amount & Down Payment: A larger down payment can help lower your rate.
3️⃣ Loan Term: Shorter terms often come with lower rates but higher monthly payments.

Don’t forget about APRs! 💡 Your APR (Annual Percentage Rate) gives you a full picture of your loan cost by factoring in both the interest rate and additional fees, like closing costs. APR helps you compare loan offers side by side. 📊
Want to dive deeper and see what rate you could qualify for? Let’s connect! 🤝 We’re here to guide you through the process as your trusted mortgage loan originators.

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600 Virginia Avenue NE
Atlanta, GA
30306

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