Eric Swenson - The Swenson Team

Eric Swenson - The Swenson Team Lending for home purchases and refinances. Eric Swenson, LO, NMLS #685118 | Xpert Home Lending

Eric Swenson, Senior Loan Officer, NMLS #685118 | NOVA® Home Loans, NMLS #3087 |BK 0902429 | Equal Housing Opportunity

🏡 Same-day FHA approval!This buyer's loan was fully approved the same day we received the application—and before the hom...
06/15/2026

🏡 Same-day FHA approval!

This buyer's loan was fully approved the same day we received the application—and before the home inspection was even completed.

A great reminder that having the right team and lending partners can make the process smoother from day one.

Congratulations to our buyer on this exciting step toward homeownership! 🎉

Reach out to The Swenson Team today to get started.

A lower interest rate can absolutely help reduce a buyer's payment.But waiting for rates to drop isn't the only strategy...
06/10/2026

A lower interest rate can absolutely help reduce a buyer's payment.

But waiting for rates to drop isn't the only strategy.

In today's market, seller concessions and temporary or permanent rate buydowns may help buyers secure a lower monthly payment now—without putting their homeownership plans on hold.

Every situation is different, but it's worth exploring all the options available before sitting on the sidelines.

If you're curious what options may be available for your situation, reach out to The Swenson Team today. We'd be happy to walk through the numbers and help you build a strategy that fits your goals.

With inventory improving in many markets, buyers may have more negotiating power than they think.Seller concessions can ...
06/08/2026

With inventory improving in many markets, buyers may have more negotiating power than they think.

Seller concessions can potentially be used to help cover:
✔️ Closing costs
✔️ Prepaid taxes and insurance
✔️ Discount points to lower the interest rate
✔️ Other eligible transaction costs (depending on the loan program)

The amount a seller can contribute varies by loan type, occupancy, and down payment amount, so it's important to understand the guidelines before negotiating an offer.

📌 Realtors: Save this guide for future transactions and share it with your clients and team members. It can be a valuable resource when structuring offers and helping buyers maximize their purchasing power.

Questions about a specific scenario? I'm always happy to help.

Barry, thank you so much for the kind words — this truly made our day! 🙌⭐⭐⭐⭐⭐ It was an absolute pleasure working with y...
06/02/2026

Barry, thank you so much for the kind words — this truly made our day! 🙌⭐⭐⭐⭐⭐ It was an absolute pleasure working with you on your cash-out refinance. Getting you from start to funding in under 2 weeks is exactly what we strive for, and we're so glad the process felt seamless on your end. If anyone in your network is looking to purchase, refinance, or explore their options — we're always here and ready to go to work! 🏡💪

🚨 LIMITED TIME OFFER — FREE 1-0 Buydown on Purchases Through June 30! 🚨Are you ready to help your buyers save BIG in the...
05/07/2026

🚨 LIMITED TIME OFFER — FREE 1-0 Buydown on Purchases Through June 30! 🚨

Are you ready to help your buyers save BIG in their first year of homeownership? The Swenson Team has an incredible opportunity you don't want to miss!

✅ What is a 1-0 Buydown?
Your borrower gets a payment equivalent to an interest rate 1% LOWER for the first 12 months of their loan — at NO additional cost to them or you!

💰 How is this possible?
Now through June 30, UWM is covering the full cost of the lender-paid temporary rate buydown on conventional and government purchases — providing a credit to offset the entire buydown expense.

🏡 Why does this matter for your buyers?
• Lower monthly payments in year one
• Eases the transition into homeownership
• Zero extra out-of-pocket cost

This is the perfect tool to help buyers off the fence and close more deals before summer! 🏠☀️

Reach out to The Swenson Team TODAY to learn more and get your buyers moving before this offer expires June 30th!

📞 480-628-5421
📧 [email protected]
🌐 www.theswensonteam.com

Love getting reviews like this 🙌This one meant a little more—it was for a friend right here in the neighborhood who was ...
03/22/2026

Love getting reviews like this 🙌

This one meant a little more—it was for a friend right here in the neighborhood who was looking to upgrade their home for their family.

We first talked back in January when they found a home they loved, but unfortunately, it went under contract. About a month later, it came back on the market…

She called me on Sunday, ready to make a move, and by Monday morning, we were under contract.

The Elkans were incredible to work with, and I’m grateful my team and I could help guide them every step of the way.

If you or someone you know is thinking about buying or refinancing, the Swenson Team is here to help.

Two refinance loans back with fast approvals and a new purchase file heading into underwriting today.Even better — that ...
02/24/2026

Two refinance loans back with fast approvals and a new purchase file heading into underwriting today.

Even better — that purchase client started their application on Sunday and was under contract by Monday. 💥 That’s how preparation and ex*****on win in this market.

Speed. Communication. A dialed-in team. That’s the difference.

Grateful for the amazing clients and realtor partners who trust The Swenson Team with their home loan strategy. We’re ready when opportunity shows up.

If you’re thinking about buying or refinancing, reach out and let’s see what’s possible for you. 🏡💪

“Sometimes one quick mortgage review can unlock way more than you expect.”After noticing rates had dropped, I reached ou...
01/27/2026

“Sometimes one quick mortgage review can unlock way more than you expect.”

After noticing rates had dropped, I reached out to a past client who purchased in 2024 to explore lowering her rate and monthly payment. When the appraisal came in higher than expected, we were able to pivot and use a cash-out refinance to pay off her solar panels—something she’d been working on since buying the home.
Closed quickly, improved cash flow, and a much stronger financial position overall. Thanks to great lender partners like UWM, we wrapped this up in about two weeks.

If you haven’t reviewed your mortgage lately, the Swenson Team is happy to help—no pressure, just options.

This is why staying in touch matters.This past client bought in 2024 and was just able to take advantage of lower rates—...
01/15/2026

This is why staying in touch matters.
This past client bought in 2024 and was just able to take advantage of lower rates—with a 1-day approval 👏

Mortgage opportunities don’t always come when you expect them, and a quick check-in can make a big difference in monthly savings and long-term goals. Helping people get into a better financial spot is what it’s all about.

If you—or anyone you know who’s purchased in the last few years—want a free mortgage check-up, reach out to The Swenson Team today.

When interest rates are higher, affordability isn’t just about the home price.Many buyers don’t realize that how your lo...
01/06/2026

When interest rates are higher, affordability isn’t just about the home price.

Many buyers don’t realize that how your loan is structured can have a bigger impact on your monthly payment than negotiating a price drop.

In some cases, seller-funded rate buydowns can lower payments by hundreds per month early on—creating real cash-flow relief when expenses are highest.

Understanding your options matters. The right strategy can make a home feel affordable even in a higher-rate market.

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