Lending is an ART

Lending is an ART Senior Mortgage Loan Advisor | NMLS #232839 | Equal Housing Lender | Home Loans | Refi | First-Time Buyers | Get expert guidance every step of the way.

IL | FL | GA
Apply now: https://shanajones.floify.com/

05/31/2026

Spent part of my weekend celebrating the grand opening of Moore Grayson Designs & Furnishings 🎉

One of my favorite parts of this business is connecting with hardworking entrepreneurs, local business owners, and people who are building something meaningful in our community.

Congratulations to Corey & Amber on this exciting new chapter. Wishing you both continued growth, success, and many years of serving your clients well 🏡✨

Supporting local businesses isn’t just about showing up—it’s about investing in the people who help make our communities stronger.

Happy Sunday! ☀️

05/29/2026

Most buyers think getting pre-approved means they’re safe 👀

But a mortgage file can still change all the way up to closing day.

The biggest problems usually happen after the offer is accepted — when buyers start making financial moves that affect the loan without realizing it 📄

During underwriting, lenders are still reviewing:
income, debts, credit activity, assets, and bank statements.

That’s why even “small” decisions during the process can create delays or complications 🚨

The smoothest closings usually happen when buyers keep everything stable until the keys are officially theirs 🔑🏡

Before making any major financial move during escrow… ask your lender first.
Comment “CLOSE” and I’ll send you the biggest mistakes buyers should avoid before closing on a home 📩

💾 Save this if you’re planning to buy soon
📤 Send this to someone currently house hunting
🏡 Follow for mortgage guidance that actually helps buyers win
​

05/28/2026

Most homeowners hear “tax write-off” and assume it means they’re actually getting money back on what they spent 👀

But that’s not how deductions really work.

What a lot of people miss is that these benefits only adjust how much of your income gets taxed — not the actual cost of owning or maintaining a home 💡

So even when things like mortgage interest, property taxes, home office use, energy upgrades, or certain moving situations may qualify… the expense itself still came out of your pocket first 🏡

That’s where the misunderstanding usually happens.

A deduction can help reduce taxable income, but it doesn’t turn spending into savings — it just changes how it’s calculated later 📊

The real advantage comes from understanding how these pieces fit into your overall financial picture, not treating them as “free money.”

If you want more homeowner breakdowns like this, comment “TAX” and I’ll share what most people overlook before making financial decisions 📩

💾 Save this before your next home purchase decision
📤 Share this with someone who thinks tax write-offs mean “free money”
🏡 Follow for simple no-fluff mortgage tips

05/27/2026

Most people walk into a home purchase thinking the only thing that matters is the sale price.

That’s exactly why many buyers end up draining their savings before they even get the keys 🔑💸

In today’s market, the smartest negotiations often happen behind the scenes.

The right strategy can help reduce your upfront cash, lower your interest costs, and make the payment more manageable long-term 📉🏡

A good deal isn’t always about paying less for the house.
Sometimes it’s about keeping more money in your pocket after closing.

This is the kind of stuff most buyers never hear until it’s too late 👀

Comment “BUYER” and I’ll send you the biggest negotiation points buyers should know before making an offer 📩

💾 Save this for future house hunting
📤 Share this with someone planning to buy a home
🏡 Follow for practical mortgage tips without the fluff
​

05/26/2026

Your mortgage company will gladly accept 30 years of interest 😳🏡

But most homeowners don’t realize this:
Even ONE extra payment a year can dramatically reduce how long you stay in debt.

Why? 👇
Because extra payments toward PRINCIPAL ONLY reduce your loan balance faster… which means less interest charged over time 💰

Most people focus only on lowering the monthly payment.
Smart homeowners focus on shortening the loan itself ⏳

Small strategy.

Huge long-term difference.
⚠️ Always confirm your extra payment is applied to principal only.

Comment “PAYOFF” and I’ll send more smart mortgage tips 📩

💾 Save this for later
📤 Send this to someone buying a home
🏡 Follow for simple no-fluff mortgage tips

05/25/2026

Most people don’t get stuck because they can’t buy.

They get stuck because they’re waiting for conditions to feel perfect.
But in real estate, confidence doesn’t come from timing the market.

It comes from understanding your numbers, your budget, your options, and your buying power.

When you know your numbers, you stop guessing.
And when you stop guessing, you start moving with clarity instead of fear.

If buying a home is on your mind, don’t wait for perfect conditions. Get clear on your numbers first.

Comment “NUMBERS” and I’ll help you figure out your next step 🔑

💾 Save this if homeownership is a goal
📤 Share it with someone stuck in “waiting mode”
🏡 Follow for simple, real mortgage guidance

05/24/2026

Today we remember and honor those who gave everything for our freedom. We will never forget their sacrifice.

05/23/2026

Have some fun! Enjoy, and look at some houses!

05/22/2026

Most homebuyers think getting the lowest price is the goal 👀

But your monthly payment is what really impacts your lifestyle every single month.

In some cases, using seller credits to buy down your interest rate can save WAY more monthly than simply negotiating the purchase price 🏡💰

That’s why strategy matters just as much as the deal itself.

Comment RATE or PRICE 👇 and I’ll tell you which one usually makes more sense in today’s market.

💾 Save this for your future homebuying plans
📤 Send this to someone house hunting right now
🏡 Follow for simple no-fluff mortgage tips

05/21/2026

Most people don’t realize this mortgage strategy could save them years 👀🏡

A simple shift from monthly to biweekly payments can make a huge difference over time.

Why?
Because 26 half-payments = 13 full payments a year.

That extra payment goes straight toward your principal faster — which can help reduce interest and shorten your payoff timeline 💰

Small changes in your mortgage strategy today can create big savings long-term.
Comment EQUITY 👇 if you want more smart homeowner tips.

💾 Save this for later
📤 Send this to someone planning to buy a home
🏡 Follow for simple mortgage tips without the fluff
​

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Chandler, AZ

Telephone

+13129077171

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