J&W Lending LLC

10/22/2023

Freddie Mac launches down payment assistance programs nationwide.

Let's talk!

09/27/2023

Mortgage Brokers of DFW!!!

We prepare, get the license, and create and register on websites for all aspects of our business. We market and get lead services. We are independent small business owners, but we do not have to be large to make an impact.

We are mortgage brokers who act as an intermediary, brokers mortgage loans on behalf of individuals or businesses. Before the consumer was left at the discretion of banks and other lending institutions who sold their products:
We shop the market for the best deal for the best cross-section
of products.
As markets for mortgages have become more competitive, the role of the mortgage broker has become more popular.

I would like to set up a discussion group for independent mortgage brokers on FaceBook Live.

The mission of the group is to problem-solve and find solutions to the ever-daunting question. How do we get qualified clients into a referral network so that we can be successful together?

We are not an app, we are business owners who can contribute to a discussion and help our fellow male and female independent mortgage brokerage.

The first meeting will set the tone for when we will meet. Please DM me if there is any interest?

Come with an open heart and open mind. Everyone has a voice, Everyone will be heard.

03/14/2023

The 5 Best Places to Buy Rental Property in Texas
By Elizabeth Boyd

Posted on March 2nd, 2023

1. The Best Place to Buy Rental Property in Texas: Fort Worth
🏡 Median Home Value
$311,106
📈 Home Value Growth (1-Year)
30%
💰 Median Rental Price*
$1,149
🙂 Population in 2022
958,692
📈 Population Growth Since 2010
28%

Austin
🏡 Median Home Value
$676,077
📈 Home Value Growth (1-Year)
39%
💰 Median Rental Price*
$1,884
🙂 Population in 2022
1,028,225
📈 Population Growth Since 2010
27%

Dallas
🏡 Median Home Value
$310,959
📈 Home Value Growth (1-Year)
22%
💰 Median Rental Price*
$1,930
🙂 Population in 2022
1,348,886
📈 Population Growth Since 2010
12%

Houston
🏡 Median Home Value
$256,143
📈 Home Value Growth (1-Year)
20%
💰 Median Rental Price*
$1,711
🙂 Population in 2022
2,325,353
📈 Population Growth Since 2010
11%

San Antonio
🏡 Median Home Value
$287,310
📈 Home Value Growth (1-Year)
24%
💰 Median Rental Price*
$1,720
🙂 Population in 2022
1,598,964
📈 Population Growth Since 2010
20%

The Texas housing market is ideal for real estate investment. The strong economy has ushered in some of the fastest-growing
populations in the country, and home prices are rising steadily.

12/28/2022

Something to think about?

12/17/2022

Since all real estate is local, the National Association of REALTORS® identified which markets will outperform in 2023.

12/17/2022

This is in fact a true debate, one that I believe will either not occur or have a minimal impact.

Gunjan Banerji the lead writer for Markets Live at the Wall Street Journal, joins 'Power Lunch' to discuss the credibility of recession fears, investor focus on CPI data, and mixed demand in the labor market.

10/23/2022

Real Estate Hedge's effects on Inflation

Real estate is considered one dramatic approach to hedge against inflation; the property you own is likely to increase, while the value of the stock, bonds, and cash decreases in purchasing power due to market fluctuations.

Because real estate is a physical asset with intrinsic value.
As inflation worsens, housing costs become more expensive for renting as leases end.

Rental rate increases through short-term leases and rental escalators are effective at keeping pace with inflation, and you’ll be able to pocket more if you have a typical mortgage.

All these factors give a permanent increase in property value.

10/15/2022

Interest rates change almost weekly, and no saving model can achieve your buying goal.

The first question in all my calls is, " What is the interest rate?".

There are 2 times when interest is essential.

1) When getting a rate lock (a) on loan.
2) When you get a purchase under contract, and the terms lock in the interest rate.

(a) Rate lock- your interest rate won't change between the offer and closing as long as you close within the specified time frame and there are no changes to your application.

Give me a call, and we can work on it together.

10/14/2022

What’s the difference between pre-qualification and pre-approval?
Unlike pre-qualification, preapproval requires proof of your debt, income, assets, credit score, and history.

Sellers often prefer to see a preapproval letter with your offer over a pre-qualification letter. Preapproved can give you a distinct advantage if you compete for a home with buyers who aren't.

You’ll supply documentation such as pay stubs, tax records, and proof of assets to get preapproved. Once the lender verifies your financial information, which may take a few days, it should supply a preapproval letter you can show a real estate agent or seller to prove you’re ready and able to purchase a home.

Keep in mind, pre-qualification doesn’t guarantee preapproval. You can still be turned down if your financial documents don’t support your reported numbers.

09/25/2022

The process from beginning to end.