Tamala Stewart Mortgage Lender nmls 1045205

06/17/2026

A couple of days before closing, the seller decided to pay $10,000 in closing costs for the buyer. The buyer only had about $7,600 in closing costs which left roughly $2400 not used. Most lenders do not take the time to review the contract addendums and closing statement during the final balancing process, but I thoroughly review both. Once I realized that we had $2400 left on the table, I was able to use the remaining credit to reduce my clients interest rate and save them on their monthly mortgage payment!

New Season Mortgage, LLC

04/14/2026

Not only were 4 of my loans ready close within 10 days this week, but we also had an appraisal come in within 2 days over the weekend!

Four of our loans were ready to close within 10 days this week! Our pre-approval process guarantees that your loan will be approved by our underwriters within 24-48 hours and your loan is ready to close even faster.

Why is this important? ➡Because you and the seller want to know that you can safely plan your move! 🎯You want to have the confidence to give notice to your landlord, start packing and hire movers. There is a lot involved in moving & we know how important it is to know you can confidently make those plans.

Apply online or give us a call at 479-279-3037
Anywhere in Arkansas or Colorado - we are here to help!

04/06/2026

Bicycle and Pedestrian The Razorback Greenway Corridor Plan The Razorback Greenway Corridor Plan is a regional planning framework that builds on the success of the Razorback Greenway to guide its long-term evolution as more than a recreational trail. The Plan examines the full length of the 40-mile....

04/05/2026

03/18/2026

Great conference today with the Federal Reserve. Chairman Jerome Powell provided a lot of insight on our current economy and the boards expectations. It is definitely worth watching even if you aren't looking for a mortgage right now.

Captions: https://www.streamtext.net/player?event=CFI-FRB&chat=false The Federal Reserve System is the central bank of the United States. It performs five ge...

02/03/2026

In an effort to provide you the truth about rates, which BTW are pretty great right now and don't need fake ads, I am sharing an estimate of 🤩TRUE INTEREST RATES on 4 different scenarios. Three purchases and 1 refinance. The details of each are provided. As always you are welcome to call me with any questions or for an idea of what your next great loan will look like! 👉 479-279-3037

Or you can apply online with our 8 minute loan application. My loan system will not automatically pull your credit! Link in the comments.

01/12/2026

This is the first of a series of posts I am going to make about my career and roll as a 𝐌𝐎𝐑𝐓𝐆𝐀𝐆𝐄 𝐁𝐑𝐎𝐊𝐄𝐑 .

Please follow along as I explain the often misunderstood roll of a Mortgage Broker and the ever changing Mortgage process.

𝐖𝐡𝐚𝐭 𝐢𝐬 𝐚 𝐌𝐨𝐫𝐭𝐠𝐚𝐠𝐞 𝐁𝐫𝐨𝐤𝐞𝐫?

A Mortgage Broker is a licensed, insured and often bonded individual and company that works directly with Wholesale Lenders to provide financing for your home purchase or refinance.

𝐇𝐨𝐰 𝐝𝐨𝐞𝐬 𝐚 𝐌𝐨𝐫𝐭𝐠𝐚𝐠𝐞 𝐁𝐫𝐨𝐤𝐞𝐫 𝐰𝐨𝐫𝐤?

We can't speak for all Mortgage Broker's but at 𝐍𝐞𝐰 𝐒𝐞𝐚𝐬𝐨𝐧 𝐌𝐨𝐫𝐭𝐠𝐚𝐠𝐞, I am your Loan Officer, Loan Processor, Initial Underwriter and Closer. Your loan is never passed around to 4 or 5 different departments while you wait to see what the next department needs from you. I will tell you everything we need during the 𝐌𝐨𝐫𝐭𝐠𝐚𝐠𝐞 𝐏𝐫𝐞-𝐚𝐩𝐩𝐫𝐨𝐯𝐚𝐥 process and before you even find a home! I am the only person you will speak with during the whole process - 𝐭𝐡𝐞𝐫𝐞 𝐢𝐬 𝐧𝐨 𝐀𝐈, 𝐧𝐨 𝐜𝐡𝐚𝐭 𝐛𝐨𝐭, 𝐧𝐨 𝐨𝐯𝐞𝐫𝐬𝐞𝐚𝐬 𝐚𝐮𝐭𝐨𝐦𝐚𝐭𝐞𝐝 𝐚𝐧𝐬𝐰𝐞𝐫𝐬 𝐨𝐫 𝐜𝐨𝐧𝐯𝐞𝐫𝐬𝐚𝐭𝐢𝐨𝐧𝐬 and no need to ask for a manager because no one is responding to your questions because 𝐲𝐨𝐮 𝐰𝐢𝐥𝐥 𝐛𝐞 𝐚𝐛𝐥𝐞 𝐭𝐨 𝐜𝐚𝐥𝐥 𝐨𝐫 𝐭𝐞𝐱𝐭 𝐦𝐞 𝐚𝐧𝐲𝐭𝐢𝐦𝐞 𝐲𝐨𝐮 𝐡𝐚𝐯𝐞 𝐚 𝐪𝐮𝐞𝐬𝐭𝐢𝐨𝐧!

𝐖𝐡𝐨 𝐚𝐫𝐞 𝐭𝐡𝐞 𝐖𝐡𝐨𝐥𝐞𝐬𝐚𝐥𝐞 𝐋𝐞𝐧𝐝𝐞𝐫𝐬?

You may be surprised to discover that 𝗺𝗼𝘀𝘁 𝗼𝗳 𝘁𝗵𝗲 𝗺𝗼𝗻𝗲𝘆 𝘁𝗵𝗮𝘁 𝗶𝘀 𝗮𝘃𝗮𝗶𝗹𝗮𝗯𝗹𝗲 𝗳𝗼𝗿 𝗺𝗼𝗿𝘁𝗴𝗮𝗴𝗲𝘀 𝗼𝗿𝗶𝗴𝗶𝗻𝗮𝘁𝗲𝘀 𝗳𝗿𝗼𝗺 𝗷𝘂𝘀𝘁 𝗮 𝗳𝗲𝘄 𝗼𝗳 𝘁𝗵𝗲 𝗹𝗮𝗿𝗴𝗲𝘀𝘁 𝘄𝗵𝗼𝗹𝗲𝘀𝗮𝗹𝗲 𝗹𝗲𝗻𝗱𝗲𝗿𝘀 𝗶𝗻 𝘁𝗵𝗲 𝗨𝗻𝗶𝘁𝗲𝗱 𝗦𝘁𝗮𝘁𝗲𝘀. Most credit unions and smaller banks use the same wholesale lenders as a Mortgage Broker, but they close the loan in their name. The customer often discovers this later when the loan is transferred to the new lender or servicer. When you use a 𝐖𝐡𝐨𝐥𝐞𝐬𝐚𝐥𝐞 𝐌𝐨𝐫𝐭𝐠𝐚𝐠𝐞 𝐁𝐫𝐨𝐤𝐞𝐫 you will close in the name of the wholesale lender and make payments directly to that company.

01/09/2026

We'll be carefully watching the Market reaction to Trump's announcement last night (Nov 8th) that the administration's plans to buy $200 Billion in MBS. So far this morning, Treasuries are roughly unchanged while MBS are up half a point.

The jobs report is due this morning which typically would have a great affect on mortgage rates.
The underlying bond market lost some ground following a stronger weekly Jobless Claims report and in sympathy with global bond market weakness overnight. Because mortgage interest rates are based on bonds, when bonds are weaker, rates move higher.

There are many different economic reports that deal with the jobs market, but none more important than the Employment Situation released by the Bureau of Labor Statistics--the one typically referred to simply as "the jobs report."

This month's jobs report will be released at 8:30am ET on Friday morning. Mortgage lenders don't set their rates for the day until the 9am hour at the earliest, and that's plenty of time for the data to send the bond market on a wild ride. If the jobs report is stronger than expected, rates will likely be higher, and vice versa.

12/30/2025

If you live here in NWA then you know it's constantly changing with new growth and more community activities. Bentonville has opened up their plan book for your review and input. They are including details and an interactive map.

Promote what we want. Preserve what we love.