Lock It Mortgage

Call Directions Website

Lock It Mortgage Your Mortgage, Our Priority
We hold licenses in more than 45 states. Our top priority is delivering exceptional client service.
(318)

Lock It Mortgage is a registered trade name of Swift Home Loans, Inc., NMLS ID #2075228 www.nmlsconsumeraccess.org Highly Experienced Mortgage Professionals:
With over 20 years in the mortgage and home financing field, Lock It Mortgage brings unparalleled expertise to every client we serve. Our Mission:
At Lock It Mortgage, we make the home financing journey simple and accessible for everyone. Whether you're purchasing your dream home or refinancing, we offer flexible financing options, competitive rates, and quick service. We ensure every transaction is smooth and easy, handling the heavy lifting to make your dream home a reality. With clear and consistent communication, we keep you and all parties informed every step of the way. Proudly licensed in over 40 states, including Alabama, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, District of Columbia, Florida, Georgia, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, New Hampshire, New Jersey, New Mexico, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Vermont, Virginia, Washington, West Virginia, Wisconsin, and Wyoming. Our Vision:
Lock It Mortgage aims to be a leading national mortgage brokerage, committed to making homeownership a reality for everyone in our licensed states. We strive to be the top choice for homeowners, homebuyers, and top-tier loan officers, setting the industry standard for accessibility, reliability, and innovation. Reach out to us today, and let us show you how we can turn your homeownership dreams into reality.

🏆 𝗕𝗜𝗚 𝗦𝗛𝗢𝗨𝗧𝗢𝗨𝗧 𝗧𝗢 𝗢𝗨𝗥 𝗧𝗢𝗣 𝗣𝗥𝗢𝗗𝗨𝗖𝗘𝗥 🌟Huge congratulations to Yen Nguyen for taking home Top Producer for September! 👏Yen ...
10/14/2026

🏆 𝗕𝗜𝗚 𝗦𝗛𝗢𝗨𝗧𝗢𝗨𝗧 𝗧𝗢 𝗢𝗨𝗥 𝗧𝗢𝗣 𝗣𝗥𝗢𝗗𝗨𝗖𝗘𝗥 🌟
Huge congratulations to Yen Nguyen for taking home Top Producer for September! 👏

Yen takes incredible care of her clients and partners. She does whatever it takes behind the scenes to make sure every loan gets across the finish line smoothly, and we couldn't be prouder to have her on our team!

📲 Ready to make your move? Connect with Yen today for all your home financing needs and experience the Lock It Mortgage difference!

-------------------------------
𝐋𝐎𝐂𝐊 𝐈𝐓 𝐌𝐎𝐑𝐓𝐆𝐀𝐆𝐄
Your Mortgage, Our Priority.
A registered trade name of Swift Home Loans, Inc.,
NMLS ID #2075228 (www.nmlsconsumeraccess.org)
🏢 3901 W Walnut St, Garland, TX 75042
📞 (888)-870-LOCK (5625)
📧 [email protected]
🌐 Website: https://www.lockitmtg.com/

10/09/2026

How can a pre-approved mortgage still get denied? 🛑

It happens more often than you think! Pre-approval looks at your finances at the time you apply. Before clear-to-close, lenders re-verify your info to make sure everything stays the same.

Here are 4 major things to avoid before your loan is officially funded:
1️⃣ Taking on new debt (No car shopping or opening new store credit cards!)
2️⃣ Changing jobs or pay structure (Especially moving to commission or self-employment)
3️⃣ Unverified big money moves (Moving savings around without checking with your LO first)
4️⃣ Missing payments or maxing out credit limits

Keep the communication open with your loan officer until the keys are in your hand. Protect your progress all the way to closing! 🔑

📲 Follow Lock It Mortgage for practical home loan tips, and send us a message when you’re ready to make your move!
------------------------------
Disclaimer: This is not a commitment to lend. All loans are subject to borrower qualification, property eligibility, and underwriting approval. Rates and terms are subject to change without notice. Additional terms & conditions apply.
-------------------------------
𝐋𝐎𝐂𝐊 𝐈𝐓 𝐌𝐎𝐑𝐓𝐆𝐀𝐆𝐄
Your Mortgage, Our Priority.
A registered trade name of Swift Home Loans, Inc.,
NMLS ID #2075228 (www.nmlsconsumeraccess.org)
🏢 3901 W Walnut St, Garland, TX 75042
📞 (888)-870-LOCK (5625)
📧 [email protected]
🌐 Website: https://www.lockitmtg.com/

𝗕𝗶𝗴 𝗻𝗲𝘄𝘀 𝗳𝗼𝗿 𝗵𝗼𝗺𝗲𝗯𝘂𝘆𝗲𝗿𝘀: 𝗟𝗲𝗻𝗱𝗲𝗿𝘀 𝗮𝗿𝗲 𝗮𝗱𝗼𝗽𝘁𝗶𝗻𝗴 𝗮 𝗱𝘂𝗮𝗹-𝘀𝗰𝗼𝗿𝗲 𝗰𝗿𝗲𝗱𝗶𝘁 𝗺𝗼𝗱𝗲𝗹!📰💳Under new guidelines supported by the Federal ...
10/07/2026

𝗕𝗶𝗴 𝗻𝗲𝘄𝘀 𝗳𝗼𝗿 𝗵𝗼𝗺𝗲𝗯𝘂𝘆𝗲𝗿𝘀: 𝗟𝗲𝗻𝗱𝗲𝗿𝘀 𝗮𝗿𝗲 𝗮𝗱𝗼𝗽𝘁𝗶𝗻𝗴 𝗮 𝗱𝘂𝗮𝗹-𝘀𝗰𝗼𝗿𝗲 𝗰𝗿𝗲𝗱𝗶𝘁 𝗺𝗼𝗱𝗲𝗹!📰💳
Under new guidelines supported by the Federal Housing Finance Agency (FHFA), top wholesale leaders like UWM are now moving to pull both FICO and VantageScore 4.0 on every credit pull, automatically applying whichever score yields the best eligible pricing and lower fees for your scenario!

The goal is simple: put borrowers in the best position possible by delivering cheaper mortgage insurance, lower all-in fees, and the lowest possible payment.
(Source: HousingWire)

🧐 Curious how this dual-score change affects your situation? Reach out to our team anytime for a free, no-obligation chat. We’re always happy to help you plan your next move!

📲 Follow Lock It Mortgage for the latest mortgage tips and industry updates!

-------------------------------
𝐋𝐎𝐂𝐊 𝐈𝐓 𝐌𝐎𝐑𝐓𝐆𝐀𝐆𝐄
Your Mortgage, Our Priority.
A registered trade name of Swift Home Loans, Inc.,
NMLS ID #2075228 (www.nmlsconsumeraccess.org)
🏢 3901 W Walnut St, Garland, TX 75042
📞 (888)-870-LOCK (5625)
📧 [email protected]
🌐 Website: https://www.lockitmtg.com/

------------------------------
ℹ️ This is for informational purposes only. Scoring model adoption, guidelines, and pricing vary by lender and mortgage product. A higher credit score alone does not guarantee loan approval or qualification. All loans are subject to borrower qualification, property eligibility, and underwriting approval.

10/02/2026

A $10,000 price cut isn't the flex you think it is in today's market.

Instead of asking the seller to knock $10,000 off the purchase price, ask for $10,000 in seller concessions applied toward closing costs or an interest rate buydown.

💡 The Math Breakdown:
1️⃣ $10k Price Drop: Minimal impact on your monthly mortgage payment.
2️⃣ $10k Rate Buydown: Significantly lowers your interest rate and saves you real money every single month when rates are high.

In this market, the best deal isn't just the lowest purchase price. It’s the deal that protects your monthly cash flow.

📌 Save this video for your next home offer and share it with someone who is house hunting right now!

📲 Want to see how much a rate buydown saves you on your target price? Contact Lock It Mortgage today and we’ll run the numbers for you!
------------------------------
Disclaimer: This is not a commitment to lend. All loans are subject to borrower qualification, property eligibility, and underwriting approval. Rates and terms are subject to change without notice. Additional terms & conditions apply.
-------------------------------
𝐋𝐎𝐂𝐊 𝐈𝐓 𝐌𝐎𝐑𝐓𝐆𝐀𝐆𝐄
Your Mortgage, Our Priority.
A registered trade name of Swift Home Loans, Inc.,
NMLS ID #2075228 (www.nmlsconsumeraccess.org)
🏢 3901 W Walnut St, Garland, TX 75042
📞 (888)-870-LOCK (5625)
📧 [email protected]
🌐 Website: https://www.lockitmtg.com/

"𝗦𝘁𝗿𝗲𝘀𝘀-𝗳𝗿𝗲𝗲 𝗹𝗼𝗮𝗻 𝘀𝗵𝗼𝗽𝗽𝗶𝗻𝗴, 𝗯𝗲𝘀𝘁 𝗶𝗻𝘁𝗲𝗿𝗲𝘀𝘁 𝗿𝗮𝘁𝗲, 𝗺𝗶𝗻𝗶𝗺𝗮𝗹 𝗰𝗹𝗼𝘀𝗶𝗻𝗴 𝗰𝗼𝘀𝘁𝘀, 𝗮𝗻𝗱 𝗮 𝘀𝗺𝗼𝗼𝘁𝗵 𝟯-𝘄𝗲𝗲𝗸 𝗰𝗹𝗼𝘀𝗲!"When you’re shopping f...
10/02/2026

"𝗦𝘁𝗿𝗲𝘀𝘀-𝗳𝗿𝗲𝗲 𝗹𝗼𝗮𝗻 𝘀𝗵𝗼𝗽𝗽𝗶𝗻𝗴, 𝗯𝗲𝘀𝘁 𝗶𝗻𝘁𝗲𝗿𝗲𝘀𝘁 𝗿𝗮𝘁𝗲, 𝗺𝗶𝗻𝗶𝗺𝗮𝗹 𝗰𝗹𝗼𝘀𝗶𝗻𝗴 𝗰𝗼𝘀𝘁𝘀, 𝗮𝗻𝗱 𝗮 𝘀𝗺𝗼𝗼𝘁𝗵 𝟯-𝘄𝗲𝗲𝗸 𝗰𝗹𝗼𝘀𝗲!"

When you’re shopping for investment properties, you need a mortgage partner who moves at your speed, even before you're under contract.

Huge congratulations to our incredible client on closing their newest investment property! 🥂

Check out what they had to say about securing their DSCR loan with our team below 👇

Whether you're taking your first step into real estate investing or expanding a growing real estate portfolio, we're here to keep communication fast, the process simple, and your closing completely stress-free.

📲 Ready for a stress-free mortgage experience? Contact Lock It Mortgage today to get started!
------------------------------
𝐋𝐎𝐂𝐊 𝐈𝐓 𝐌𝐎𝐑𝐓𝐆𝐀𝐆𝐄
Your Mortgage, Our Priority.
A registered trade name of Swift Home Loans, Inc.,
NMLS ID #2075228 (www.nmlsconsumeraccess.org)
🏢 3901 W Walnut St, Garland, TX 75042
📞 (888)-870-LOCK (5625)
📧 [email protected]
🌐 Website: https://www.lockitmtg.com/

𝟯𝟬-𝗬𝗲𝗮𝗿 𝗺𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗿𝗮𝘁𝗲𝘀 𝗷𝘂𝘀𝘁 𝗵𝗶𝘁 𝟳.𝟲%. 𝗛𝗲𝗿𝗲 𝗶𝘀 𝘄𝗵𝗮𝘁 𝘆𝗼𝘂 𝗻𝗲𝗲𝗱 𝘁𝗼 𝗸𝗻𝗼𝘄 📊🏠Even with promising inflation news yesterday morn...
10/01/2026

𝟯𝟬-𝗬𝗲𝗮𝗿 𝗺𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗿𝗮𝘁𝗲𝘀 𝗷𝘂𝘀𝘁 𝗵𝗶𝘁 𝟳.𝟲%. 𝗛𝗲𝗿𝗲 𝗶𝘀 𝘄𝗵𝗮𝘁 𝘆𝗼𝘂 𝗻𝗲𝗲𝗱 𝘁𝗼 𝗸𝗻𝗼𝘄 📊🏠

Even with promising inflation news yesterday morning, unexpected market swings pushed 30-year fixed rates up to 7.60% by the end of the day.

Higher rates can feel discouraging, but serious buyers and homeowners aren't stopping. They're simply shifting their strategy! Here are the 3 big moves happening right now:

1️⃣ 𝗖𝗵𝗼𝗼𝘀𝗶𝗻𝗴 𝗔𝗱𝗷𝘂𝘀𝘁𝗮𝗯𝗹𝗲-𝗥𝗮𝘁𝗲 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲𝘀 (𝗔𝗥𝗠𝘀): ARM share just hit a 1-year high (over 10% of buyers). A 5/1 ARM currently runs ~0.80% lower than a 30-year fixed, saving hundreds monthly for the first 5 years.

2️⃣ 𝗔𝘀𝗸𝗶𝗻𝗴 𝗦𝗲𝗹𝗹𝗲𝗿𝘀 𝗳𝗼𝗿 𝗥𝗮𝘁𝗲 𝗕𝘂𝘆𝗱𝗼𝘄𝗻𝘀: Instead of walking away, buyers are getting sellers or builders to fund a rate buydown, temporarily dropping interest rates for 1 to 3 years.

3️⃣ 𝗧𝗮𝗽𝗽𝗶𝗻𝗴 𝗘𝗾𝘂𝗶𝘁𝘆 𝗪𝗶𝘀𝗲𝗹𝘆: Rate-and-term refinances dropped 9% last week because refinancing strictly to drop a rate makes little sense right now. Instead, homeowners are using HELOCs or HELOANs to tap equity without touching their low primary mortgage. Though a cash-out refinance still makes sense if you are consolidating high-interest debt to lower your overall monthly payments.

💡 The Takeaway: Headline rates are just general averages, not a one-size-fits-all rule for every borrower. Structuring your mortgage the right way keeps buying or tapping equity affordable today.

📲 Curious what rate strategy works best for your situation? Contact Lock It Mortgage today for a free consultation, and we'll run the numbers for you!
------------------------------
Disclaimer: This is for informational purposes only. Market data reflects MND daily index (7.60%) and MBA weekly survey through late September 2026. All loans are subject to underwriting approval, credit review, and property appraisal. Program availability, terms, and guidelines are subject to change without notice.
------------------------------
𝐋𝐎𝐂𝐊 𝐈𝐓 𝐌𝐎𝐑𝐓𝐆𝐀𝐆𝐄
Your Mortgage, Our Priority.
A registered trade name of Swift Home Loans, Inc.,
NMLS ID #2075228 (www.nmlsconsumeraccess.org)
🏢 3901 W Walnut St, Garland, TX 75042
📞 (888)-870-LOCK (5625)
📧 [email protected]
🌐 Website: https://www.lockitmtg.com/

09/25/2026

How much income do you actually need to buy a $500,000 home? 🏠💵

When calculating how much home you can afford, looking at the purchase price alone isn't enough. You have to factor in the full monthly payment, including your down payment, principal, interest, property taxes, and any required mortgage insurance.

Let’s break down the real numbers using an FHA Loan example:
📍 The Upfront Cost:
* Purchase Price: $500,000
* 3.5% Down Payment: $17,500
* Base Loan + Upfront MIP (1.75%): ~$491,000 Total Loan Amount

📍 Estimated Monthly Payment ($3,892/mo total):
* Principal & Interest (at 6.625% rate / 7.38% APR): $3,144
* Property Taxes (estimated): $375
* Homeowners Insurance (estimated): $150
* FHA Monthly Mortgage Insurance (MIP): $224

📍 Required Income:
Assuming a standard 45% Debt-to-Income (DTI) ratio and zero other monthly debt (no car payment, student loans, or credit cards):
👉 You would need approximately $8,650/month before taxes (~$104,000/year in household income).

Keep in mind: If you have existing monthly debt payments, the required income will increase accordingly.

📲 Curious what your income qualifies you for? Reach out to Lock It Mortgage today, and we'll run the numbers for your specific situation before you start house hunting!
------------------------------
Disclaimer: Figures, rates, and APRs used in this video example (6.625% rate / 7.38% APR) are for illustrative and educational purposes only, quoted as of September 24, 2026. Interest rates, payments, property taxes, insurance, and underwriting guidelines vary by scenario and are subject to change without notice. All loans are subject to borrower qualification, property eligibility, and underwriting approval.
------------------------------
𝐋𝐎𝐂𝐊 𝐈𝐓 𝐌𝐎𝐑𝐓𝐆𝐀𝐆𝐄
Your Mortgage, Our Priority.
A registered trade name of Swift Home Loans, Inc.,
NMLS ID #2075228 (www.nmlsconsumeraccess.org)
🏢 3901 W Walnut St, Garland, TX 75042
📞 (888)-870-LOCK (5625)
📧 [email protected]
🌐 Website: https://www.lockitmtg.com/

From a Facebook scroll to a $500,000 cash-out in just 3 WEEKS! 💸✨We love hearing real stories from clients who found us ...
09/18/2026

From a Facebook scroll to a $500,000 cash-out in just 3 WEEKS! 💸✨

We love hearing real stories from clients who found us right when they needed us most. Going through a nearly $500K cash-out refinance can feel overwhelming, but our goal is always to make the process as fast, smooth, and stress-free as possible.

🎉 Special shoutout to Tyrone Tran and his team for going the extra mile!

💬 Ready to tap into your home equity or explore your options? Connect with the Lock It Mortgage team today for a free consultation 🚀
-------------------------------
𝐋𝐎𝐂𝐊 𝐈𝐓 𝐌𝐎𝐑𝐓𝐆𝐀𝐆𝐄
Your Mortgage, Our Priority.
A registered trade name of Swift Home Loans, Inc.,
NMLS ID #2075228 (www.nmlsconsumeraccess.org)
🏢 3901 W Walnut St, Garland, TX 75042
📞 (888)-870-LOCK (5625)
📧 [email protected]
🌐 Website: https://www.lockitmtg.com/

09/11/2026

🤔 Is Buying Down Your Mortgage Rate Actually Worth It? ❓
A lender might show you an attractive rate on paper, but it could cost you thousands of dollars in upfront fees. Before you choose a loan, you need to understand discount points and your break-even timeline.

💡 Here’s how the math actually works:
* Imagine paying $4,000 upfront in discount points to lower your monthly mortgage payment by $65/month.
* Divide $4,000 by $65 = 61.5 months (about 5 years) to break even.

🚨 Why this matters:
If you sell your home or refinance within 2 to 3 years, you’ll move before ever recovering that $4,000 upfront cost!

📌 What to ask your lender:
When a lender quotes an attractive rate, always ask: "How much am I paying upfront get that rate?"

❌ Never just compare the rate alone.
✅ Look at the points, monthly payment, and break-even timeline together.

📲 Want to see the real numbers behind your mortgage? Contact Lock It Mortgage team today for a transparent review without hidden surprises!
------------------------------
Disclaimer: This is not a commitment to lend. All loans are subject to borrower qualification, property eligibility, and underwriting approval. Rates and terms are subject to change without notice. Additional terms & conditions apply.
-------------------------------
𝐋𝐎𝐂𝐊 𝐈𝐓 𝐌𝐎𝐑𝐓𝐆𝐀𝐆𝐄
Your Mortgage, Our Priority.
A registered trade name of Swift Home Loans, Inc.,
NMLS ID #2075228 (www.nmlsconsumeraccess.org)
🏢 3901 W Walnut St, Garland, TX 75042
📞 (888)-870-LOCK (5625)
📧 [email protected]
🌐 Website: https://www.lockitmtg.com/

🏡 Before you fall in love with a home, fall in love with your budget.One of the biggest mistakes homebuyers can make is ...
09/08/2026

🏡 Before you fall in love with a home, fall in love with your budget.

One of the biggest mistakes homebuyers can make is starting the house hunt before getting pre-approved.

A mortgage pre-approval (pre-approval letter) gives you a much clearer picture of what you may actually qualify for based on your income, assets, credit, debts, and overall financial profile.

And it can give you a serious advantage when you find the right home:
✅ Know your true buying power
✅ Set a realistic price range
✅ Catch potential credit or documentation issues early
✅ Make your offer stronger by showing sellers you’re financially prepared
✅ Move through the mortgage process more efficiently once you're under contract

👉 Most importantly, don’t shop based on what you think you can afford, shop based on what you’ve been properly reviewed and approved for.

Getting pre-approved first means you can shop with confidence, make informed decisions, and be ready to move when the right home comes along.

⏰ The best time to get pre-approved? Before you start house hunting.

Ready to find out what your options look like? Let’s get you pre-approved and ready to shop.
------------------------------
Disclaimer: This is not a commitment to lend. All loans are subject to borrower qualification, property eligibility, and underwriting approval. Rates and terms are subject to change without notice. Additional terms & conditions apply.
-------------------------------
𝐋𝐎𝐂𝐊 𝐈𝐓 𝐌𝐎𝐑𝐓𝐆𝐀𝐆𝐄
Uniting Our Strengths to Create Homeownership!
CO-NMLS #2075228
🏢 3901 W Walnut St, Garland, TX 75042
📞 (888)-870-LOCK (5625)
📧 [email protected]
🌐 Website: https://www.lockitmtg.com/

Address

3901 W Walnut Street
Garland, TX
75042

Opening Hours

Monday 9am - 6pm
Tuesday 9am - 6pm
Wednesday 9am - 6pm
Thursday 9am - 6pm
Friday 9am - 6pm

Telephone

+18888705625

Website

, , ,

Alerts

Be the first to know and let us send you an email when Lock It Mortgage posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.

Shortcuts

Share

Category