Joel Swaney, Mortgage Lender NMLS #1759200: The Union Bank Co.

12/25/2025

Merry Christmas to all!

Wishing you have the chance to spend time with those who matter most and to rest and reflect on the meaning of the Christmas season.

And hopefully eat too many Christmas cookies 😊

12/08/2025

A couple of reviews to start the week - two very different situations but two similar end results: home buyers who created a plan and worked with us to execute it!

Doug and Eli both reached out early on in the process, which allowed us to lay the groundwork and set expectations on what the process looks like.

When it came time to finish up the loan approval, it made it a breeze.

Thank you both for allowing us to help you get into your new homes!

11/26/2025

As we head into Thanksgiving, we are so thankful for the opportunity to get people into homes!

We have had a busy push to finish out November and were able to get these clients into homes before Thanksgiving so they don't need to worry about checking their email for e-sign docs and uploading letters of explanation while spending time with family.

Congratulations to our recent buyers and THANK YOU for allowing us to be a part of your process.

11/25/2025

When you get the call on a Sunday asking if we can close by Thanksgiving, the answer is yes!

With a clear plan and a lender who can set you up for success, getting a mortgage can be a simple process.

My goals as a lender:
- understand what you’re trying to say in a low-stress environment

-keep you informed at all stages of the process

-get you into the best program/rates/fees we can find

-close as quickly as possible to compete with cash offers

If that could benefit you (or your clients) let’s connect!

11/11/2025

Happy Veterans Day to all who have served to protect our country!

We love the opportunity to work with service members and allow them to take advantage of the phenomenal VA loan.

▪️0% Down Payment
▪️No PMI
▪️Very Competitive Interest Rates

Often the VA Loan gets miscategorized as a complicated loan, or veterans don't pursue it because they don't fully understand it.

But the VA Loan is a phenomenal product and one that every veteran should feel confident taking advantage of.

Work with a lender who understands VA Loans and can advocate on your behalf - don't be afraid of something just because you don't understand it!

11/10/2025

Congratulations to our newest first-time homebuyer who was able to get into their home with only $500 out of pocket!

❓Did you know❓

If you are buying a home from a family member who is willing to walk away with less than market value as a gift to you, they can gift you equity and allow you to apply it toward your down payment and closing costs.

What this means:
▪️You get the benefit of a large down payment
▪️You can get out of PMI if the gift covers 20% down
▪️You often get more favorable underwriting with your large down payment.

So IF you're buying a home from family, don't forget to explore using a Gift of Equity!💰

11/06/2025

The mortgage process doesn't need to be scary. Find someone who you click with, who understands what you're trying to do, and who makes you feel like you are making the right decision for yourself and your family.

No matter where you are in the process or what questions you have, call/text/email any time to get some answers 👇

📱 (740) 262-2248
📧 [email protected]

11/03/2025

It is easy to get caught up in refinances when rates start to come down, but not over here! We want to give a shout-out and congratulations to our recent purchase clients and we've had a diverse group of buyers lately:

🏠 First-Time Homebuyers
🏡 Move-up buyers who needed more space
🏘 Retirement buyers finding the perfect condo close to family
💸 Real Estate investors adding to their portfolios

If you need to buy a home, there is a loan option for you! Our goal is to make the process as clear and simple as possible. Buying a house doesn't need to be complicated 😊

📱 (740) 262-2248
📧 [email protected]

08/15/2025

A few recent reviews to wrap up the week! We love doing what we do, exceeding expectations, and making this process easy. Buying a home does NOT need to be complicated! If you have questions about starting the process 👇

📱 (740) 262-2248
📩 [email protected]

08/14/2025

🗞Today's higher-than expected Producer Price Index, which measures wholesale inflation (business-to-business rather than business-to-consumer) suggests businesses may be eating the cost of inflation rather than passing it on to consumers. With fears that this may soon creep into prices consumers see, increased risk of inflation means less favorable outlook toward the Fed cutting the Fed Funds Rate. September rate cuts are still on the table, and remember the Fed does NOT set mortgage rates but mortgage rates are impacted by the same economic indicators the Fed uses in their policy decisions. So often we will see mortgage rates move up and down in anciticipation of what the Fed will do rather than after a Fed rate decision is made.

If you have questions or want to discuss further, we love ensuring buyers are informed and understand how news headlines impact them!

📱 (740) 262-2248
📧 [email protected]

The 2-year Treasury note yield ticked higher Thursday after new U.S. data pointed to persistent wholesale inflation.

08/12/2025

Congratulations to our buyers who are making the move into Central Ohio to be closer to their children and, of course, the grandchildren! We were honored to make this transition as smooth and simple as possible to make sure they were cmofortable with their next stage in life. Welcome Home!

If you are thinking about making a move but aren't sure where to start, let's chat.

📱 (740) 262-2248
📧 [email protected]

08/04/2025

August has started off with a bang for mortgage rates - the jobs report released on Friday showed fewer jobs were created than expected in July, along with revisions down for May and June's numbers.

A weaker job market gives reason to move rates lower to spur economic activity. The Fed does not directly control mortgage rates, but Fed policy does have a significant impact on mortgage rates.

If you have been on the fence regarding buying or refinancing, now may be a good time to take the next step!

📱 (740) 262-2248
📧 [email protected]

Every month, we offer the same old warning/reminder ahead of the big jobs report--something to the effect of "no other economic report has as much power to cause volatility in rates, for better or worse."  Days like today are the reason for that reminder. Thankfully, it was the &q...