Smart Choice Mortgage, LLC - NMLS# 1371507

09/24/2026

Myth: Your Mortgage Payment Is Only Principal and Interest

Many buyers hear a mortgage rate or loan amount and assume they know what their monthly payment will be. But a full monthly housing payment may include more than principal and interest.

Depending on the loan and property, a monthly housing payment may also include property taxes, homeowner insurance, mortgage insurance, and HOA dues if applicable. That is why it is important to look at the complete estimated monthly payment when comparing your options, not just an interest rate or principal and interest payment.

Pro Tip: Ask your Loan Originator to walk you through the full estimated monthly payment so you know what to expect.

©2026 Smart Choice Mortgage, LLC, headquartered at 8911 N. Capital of Texas Highway, Suite 4300G, Austin, TX 78759. NMLS #1371507. www.SCDisclaimers.com

09/17/2026

We’re continuing our series debunking common homebuying myths. Next up:

Myth: Your Down Payment Is Your Only Upfront Cost

Your down payment is an important part of buying a home, but it may not be the only cost to plan for. Buyers may also need to budget for closing costs, prepaid taxes and insurance, an appraisal, a home inspection, and other transaction-related expenses.

That doesn’t mean buying a home is out of reach. It simply means planning ahead matters. Understanding the full picture can help you avoid surprises and prepare with more confidence.

Pro Tip: Ask for a full estimate early so you can plan for more than just the down payment.

©2026 Smart Choice Mortgage, LLC, headquartered at 8911 N. Capital of Texas Highway, Suite 4300G, Austin, TX 78759. NMLS #1371507. www.SCDisclaimers.com

09/03/2026

Please join us in welcoming Kat Kothmann back to Smart Choice Mortgage as Senior Vice President and RMLO!

Known for her warmth, kindness, and strong communication, Kat brings a thoughtful, people-first approach to the mortgage experience.

We’re excited to have her supporting Smart Choice Mortgage again and know she’ll be a wonderful resource for our homebuyers, partners, and team.

©2026 Smart Choice Mortgage, LLC, is headquartered at 4516 Seton Center Parkway, Suite 364, Austin 78759. NMLS #1371507. www.SCDisclaimers.com.

09/02/2026

Continuing our series debunking common homebuying myths, here is one many first-time buyers hear:

Myth: You Have To Find a Home Before Talking to a Lender

It may seem like house hunting should come first, but speaking with a lender early can be one of the smartest first steps. Before you fall in love with a home, it helps to understand your estimated budget, financing options, and monthly payment range.

Starting with a lender can also help uncover issues early, whether that is documentation, credit, or cash needed to close. That way, you can shop with more confidence and avoid surprises later.

Before you start touring homes, it’s a good idea to understand your financing picture.

©2026 Smart Choice Mortgage, LLC, headquartered at 8911 N. Capital of Texas Highway, Suite 4300G, Austin, TX 78759. NMLS #1371507. www.SCDisclaimers.com

09/01/2026

5.0 star review received on Experience.com for Kasey Hampton by Joseph F - Kasey is a ray of sunshine!! Her and the team assiting us were on top of everything and always Were a step ahead throughout the whole process. it was the best experience ive had while buying a home! Thank you!

Click to see all 60 reviews of Kasey Hampton, Residential Mortgage Loan Originator | NMLS #275537

08/27/2026

08/26/2026

Continuing our series debunking common homebuying myths, here is one many first-time buyers hear:

Myth: You need perfect credit to buy a home.

The truth is, you do not need perfect credit to qualify for a mortgage. Your credit score is an important part of the loan process, but different loan programs have different credit requirements.

A higher credit score may help you qualify for better loan terms, but less-than-perfect credit does not automatically mean homeownership is out of reach. And if your credit needs some work, there may be steps you can take to improve your position before you buy.

Not sure where you stand? Start with a conversation with a loan professional to learn what options may be available to you.

©2026 Smart Choice Mortgage, LLC, headquartered at 8911 N. Capital of Texas Highway, Suite 4300G, Austin, TX 78759. NMLS #1371507. www.SCDisclaimers.com

08/19/2026

Following up on our Home Financing Basics series, we thought the next logical step was to debunk some of the most common homebuying myths.

One of the biggest is that you need a 20% down payment to buy a home.

In reality, qualified buyers may have several down payment options, including low- and even 0% down programs for eligible borrowers. Down payment assistance may also be available depending on the program and buyer qualifications.

The right financing option depends on your credit, income, financial situation, and the home you are purchasing. Before assuming you need 20% down, talk with a loan professional and find out what options may be available to you.

Contact your loan originator to learn more about available programs, eligibility requirements, and complete program details.

©2026 Smart Choice Mortgage, LLC, headquartered at 8911 N. Capital of Texas Highway, Suite 4300G, Austin, TX 78759. NMLS #1371507. www.SCDisclaimers.com

08/09/2026

Welcome home and congratulations to all our homebuyers who purchased a new home from Sitterle Homes in July.

We appreciate the opportunity to help with your financing and be part of your homebuying journey. Wishing you many happy memories in your new home.

©2026 Smart Choice Mortgage, LLC, headquartered at 8911 N. Capital of Texas Highway, Suite 4300G, Austin, TX 78759. NMLS #1371507. www.SCDisclaimers.com