Mandy Hathorn- Mortgage Loan Officer

01/01/2025

So thankful to close out the year with the sweetest repeat clients and one of my favorite realtors!! ❤️

Congratulations Annie and Colton! Ringing in the ✨New Year in a New Home✨! Thanks to Mandy Hathorn- Mortgage Loan Officer for another seamless loan process and Mercury Title for a smooth closing.
🏡❤️🏡❤️🏡

Coldwell Banker Harris McHaney & Faucette🏡

03/07/2024

Feeling lucky this St. Patrick's Day? 🍀 Make your luck last all year by getting pre-qualified for a mortgage with us! With our expert guidance, you'll be one step closer to finding your dream home at the end of the rainbow. Don't leave your homeownership journey up to chance – contact us today to get started!

12/06/2023

Are you interested in buying a new home but interest rates are stopping you? Have you heard of a 2-1 buydown program?

How it works: The seller steps in to temporarily reduce your interest rate by 2% for the first year, followed by an additional 1% reduction in the second year. It's a strategic move that not only provides you with lower payments early on but also helps the seller attract buyers without adjusting the listing price.

Benefits for You:
• Lower initial payments
• Enhanced financial flexibility
• Navigate the early stages of homeownership with ease

Curious about how this strategy can work for you? Send me a DM, and let's dive into the details of this exciting mortgage option!

Mandy Hathorn- SVP Mortgage Loan Officer
NMLS #146513
[email protected]
479-799-6324

12/21/2022

On the 12th day of Christmas, Encore gave to me...

VA loans!

Home Loans by Encore is honored to assist active servicemembers, veterans and eligible surviving spouses with VA loans. Backed by the U.S. Department of Veterans Affairs, these loans are designed to provide veterans with favorable terms. The VA loan features:

👉 As little as zero down for qualified veterans
👉 Low closing costs
👉 Competitive interest rates
👉 No need for Private Mortgage Insurance (PMI)

NMLS #146513
[email protected]
www.mandyhathorn.com

12/20/2022

On the 11th day of Christmas, Encore gave to me...

FHA loans!

An FHA loan can be an excellent option for many home buyers and is popular among first-time home buyers! Since FHA loans are insured by the Federal Housing Administration (FHA), the interest rates are often some of the lowest in the market. Benefits of an FHA loan include:

👉 Low down payments
👉 Low closing costs
👉 Competitive interest rates
👉 Easy credit qualifying

Home Loans by Encore has many mortgage loans and programs. I’d love to talk to you more about which option is best for you!

NMLS #146513
[email protected]
www.mandyhathorn.com

12/19/2022

On the 10th day of Christmas, Encore gave to me...

Investment properties and second home loans!

Real estate can be an excellent investment. Home Loans by Encore can assist you in adding to your real estate portfolio with the purchase of an investment or second home.

NMLS #146513
[email protected]
www.mandyhathorn.com

12/16/2022

On the 9th of Christmas, Encore gave to me...

Jumbo Loans!

Jumbo Loans are required for any loan amount that exceeds the conforming loan limit of $726,200. Home Loans by Encore has multiple Jumbo Loan investors and a portfolio Jumbo Loan product that allows us to match our Jumbo Loan customers with the exact program that fits their unique needs. With competitive rates, our program could be an excellent option to consider when purchasing your home!

NMLS #146513
[email protected]
www.mandyhathorn.com

12/15/2022

On the 8th day of Christmas, Encore gave to me...

Condo Loans!

Not all condos are created equal and many of them do not meet traditional loan guidelines. Home Loans by Encore offers a non-warrantable condo financing loan product that can be your solution for condo financing.

NMLS #146513
[email protected]
www.mandyhathorn.com

12/14/2022

On the 7th Day of Christmas, Encore gave to me...

Construction loans!

Building your dream home? Let Encore be your one stop for lot, construction and permanent financing. Our construction loans are interest only loans that we can convert to your permanent loan once construction is complete.

NMLS #146513
[email protected]
www.mandyhathorn.com

12/13/2022

On the 6th Day of Christmas, Encore gave to me...

New Loan Limits for conforming loans!

The conforming loan limit has been raised to $726,200! That means Home Loans by Encore can lend up to $726,200 for those who qualify without the need for a Jumbo Loan!

NMLS #146513
[email protected]
www.mandyhathorn.com

12/12/2022

On the 5th day of Christmas, Encore gave to me...

Hero Home Loans!

Home Loans by Encore has a special program for our first responders and those who keep us safe, including police officers, firemen, EMTs, physician assistants, registered nurses, LPNs, medical technicians, nurse practitioners and therapists. We are grateful for their hard work and service, so this program allows for as little as 3% down payment, no mortgage insurance and competitive interest rates!

NMLS #146513
[email protected]
www.mandyhathorn.com