Sarah Carter, Mortgage Banker

07/30/2025

🎙 New episode alert! I had the pleasure of joining The Premium Perspective podcast to share a bit about my journey, life as an Austinite, and some helpful tips for first-time homebuyers.

If you’re thinking about buying or just have questions about home financing, feel free to reach out — I’m always happy to help!

🎧 Listen here: https://open.spotify.com/episode/6uExF73GykgZGFpRVMeqdQ?si=MY1FLdvdRWyemO71RsOsHA

📺 Watch here: https://youtu.be/hsriAB1pRHg?si=uwg52w5O-c0kY9vJ

In this episode of The Premium Perspective, we sit down with Sarah Racanelli Carter, a loan officer with Sente Mortgage, and busy mom of two, to talk about h...

04/17/2025

🏡 Texas Friends — This Might Be the Time to Refinance 📉

You’ve probably seen the headlines: mortgage rates have been all over the place lately. And while that kind of market movement can feel unpredictable, it actually creates opportunity—especially if you’re a homeowner here in Texas.

✨ If you bought when rates were higher, there’s a good chance you could:
✅ Lower your monthly mortgage payment
✅ Refinance to a shorter term
✅ Use your equity to fund renovations, pay off debt, or invest elsewhere

With home values still strong across Texas—from Dallas to Houston to Austin to San Antonio—this could be the perfect time to review your options.

You don’t need to time the market perfectly—just better than before. Let’s talk through your goals and see what makes the most sense. It’s quick, no pressure, and could save you thousands over time.

📩 Message me or drop a comment below if you’re curious!

01/09/2025

✨New Year...new opportunities to make your homebuying dreams come true!✨

One big LIMITED TIME program we have is with TSAHC. Their current MCC program, which is normally a 15% credit, is currently 20%! So you get assistance with your down payment and a tax credit! Take advantage of this program and offset your income tax due for 2025.

Reach out to us with any questions you may have!

11/23/2024

Such a fun closing today! I love working with first time home buyers. There is nothing quite like helping someone take a big step toward their dreams! Congratulations to the Chambers on their next chapter!

09/19/2024

What a great start to my birthday weekend! 🎉 It was an honor to be part of the team who got Jamie and Amanda’s loan across the finish line today. Big shout out to for the referral and help to buy their first home! 🏠✨

08/30/2024

Helped one of my oldest friends and his beautiful fiancée close on their dream home in Fredericksburg today! Continued our celebrations at William Chris, my favorite hill country winery.

Congratulations to the soon-to-be Casanovas! I can’t wait to visit y’all!

08/15/2024

Interest rates have been making headlines constantly, and I've been getting questions daily about what this means for mortgages. If you are considering refinancing or making a new purchase, feel free to give me a call to discuss the best timing!

07/11/2024

🏡 Exciting News! 🏡

Today, the New Braunfels Sente team had the honor of welcoming Frank Duplechain, a representative from the Texas State Affordable Housing Corporation, to our office! 🌟 He shared incredible insights about their programs, including down payment assistance and mortgage credit certificates, making homeownership more accessible for Texans. 🏠✨

Down Payment Assistance: Get the financial support you need to cover your down payment and closing costs, making it easier than ever to secure your dream home.

Mortgage Credit Certificates: Enjoy significant tax savings by reducing the federal income tax you owe, putting more money back in your pocket.

As your dedicated mortgage loan originator, I’m thrilled to bring you these valuable resources and opportunities to make your homeownership dreams a reality. Stay tuned for more updates and feel free to reach out to learn how these programs can benefit you!

06/13/2024

Trying to stay cool and entertained in Austin this summer?

06/07/2024

Looking to turn your homeownership dreams into reality?

As a dedicated mortgage professional, my team and I are here to simplify the home financing process for you. Whether you are buying your first home or moving up, we can help you find the best mortgage options tailored to your needs.

Call me today at 512-567-5837 for personalized advice and answers to all your mortgage questions. Let's make you homeownership journey smooth and stress-free!

Reach out and let's get started!

06/05/2024

🏡✨ Considering buying a home? A Mortgage Credit Certificate (MCC) might be the key to unlocking significant savings! 🌟

An MCC allows eligible homebuyers to reduce their federal income tax liability by converting a portion of their mortgage interest into a direct tax credit. Here’s how it works:

1. **Direct Tax Credit:** Unlike deductions, an MCC provides a dollar-for-dollar reduction of your federal tax liability. For example, with a 15% MCC rate on a $1,000 monthly interest, you can save $150 in taxes each month! This credit is available for the duration of your loan, so up to 30 years!

2. **Increase Purchasing Power:** These tax savings can improve your cash flow, potentially allowing you to qualify for a larger mortgage or manage your monthly expenses more comfortably.

3. **Eligibility:** Generally available to first-time homebuyers or those buying in targeted areas. Income limits and purchase price limits may apply, but the benefits can be substantial!

Ready to explore how an MCC can make homeownership more affordable for you? Let's chat! 📞🏠