Margo Godwin, Mortgage Lender

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Margo Godwin, Mortgage Lender I am a Mortgage Advisor and Loan Officer with SMP Mortgage, Inc., DBA Success Mortgage Partners, Inc.

SAVE THE DATE - OUR VA EXPERT IS COMING TO BRING THE 411 ON NOV 9th! Do not miss out. Stay tuned.VA agents — this is wor...
10/10/2026

SAVE THE DATE - OUR VA EXPERT IS COMING TO BRING THE 411 ON NOV 9th! Do not miss out. Stay tuned.

VA agents — this is worth saving.
When negotiating seller contributions on a VA offer, don’t assume everything the seller pays is automatically subject to the 4% concession cap.

VA gives us 2 buckets to work with — normal allowable closing costs, and certain seller concessions — knowing the difference can create a lot more room when we’re structuring an offer.

This can be especially helpful in reducing our Veteran’s cash to close, or using seller funds strategically.

Save this for your next VA buyer — and send it to an agent buddy who needs a great VA cheat sheet.

Have a VA deal you’re trying to structure? Send me the scenario. We can walk through the numbers together.

According to the National Association of Realtors 2025 report, 31% of first-time buyers say saving for a down payment i...
09/24/2026

According to the National Association of Realtors 2025 report, 31% of first-time buyers say saving for a down payment is the hardest part of the homebuying process, and the numbers show why.

First-time buyers put down a median of just 10% in 2025, the highest median down payment for first-time buyers since 1989. Meanwhile, the share of first-time buyers in the market has contracted by 50% since 2007.

Here's the good news most buyers don't know:

-You don't need 20% down. Programs exist with 3%, 3.5%, and even 0% down options depending on your situation.
-Down payment help is out there. 27% of buyers ages 26-34 received down payment help from a friend or relative, and that's before even looking at formal assistance programs.
-Waiting can cost more than it saves. Every year on the sidelines is a year of rising prices and rent working against you.


The idea that you need a huge pile of cash to buy a home is one of the biggest myths keeping renters renting.

The truth is, there's a loan program built for exactly your situation, you just need someone to show you which one.

Don't let the down payment myth keep you out of the market another year.

DM me or call today! I will find the loan program that fits your budget.

Did you know?This stat could save your next deal. 67% of sellers paid some or all of their buyer's closing costs in 2025...
09/23/2026

Did you know?
This stat could save your next deal.

67% of sellers paid some or all of their buyer's closing costs in 2025 and it's not because they had to. It's because savvy sellers know that a seller concession can be the difference between a home that sits and a home that sells fast, at full price.

Here's why it works:
- Widens your buyer pool (more buyers can afford your home)
- Helps you avoid multiple price cuts
- Often costs less than one price reduction would
- Can be a stronger negotiating tool than dropping your list price

Thinking about selling this year? Let's talk about whether a concession strategy makes sense for your home, your market, and your bottom line.

DM me and let's talk strategy today!

Did you know?The average homeowner has a net worth of $430K. The average renter? $10K.That's not a typo... homeowners bu...
09/22/2026

Did you know?
The average homeowner has a net worth of $430K. The average renter? $10K.

That's not a typo... homeowners build 43x more wealth than renters over time. Here's why the gap is so wide:

- Forced savings - every mortgage payment builds equity instead of disappearing into a landlord's pocket
- Appreciation - your home's value can grow year over year, and that growth is yours to keep
- Leverage - you control a $400K+ asset with a fraction of that down, and the whole thing appreciates in your favor
- Stability - a fixed-rate mortgage means your housing cost doesn't rise with the market like rent does

Renting isn't wrong, but if building long-term wealth is a goal, owning is one of the most powerful tools available to the average person.

Wondering what it would take for YOU to make the jump from renting to owning? Let's run your numbers and see what's possible.

DM me and let's chat about your options.

Your FICO® score isn't random, it's shaped by five key factors:- Payment history: 35%- Amount owed: 30%- Length of credi...
09/21/2026

Your FICO® score isn't random, it's shaped by five key factors:
- Payment history: 35%
- Amount owed: 30%
- Length of credit history: 15%
- Types of credit: 10%
- New credit: 10%

The higher the percentage, the greater the potential impact on your score. That means consistently paying bills on time and responsibly managing your balances are two of the strongest places to start.

Understanding your credit is an important first step toward improving your financial position and getting closer to your homeownership goals.

Ready to understand where you stand and what your next move could be?

DM today for a personalized mortgage game plan. No pressure, just clarity and a clear path forward.

For specific advice, I can also refer you to a reputable, qualified credit counseling professional.

https://quickclose.tidalwave.ai/signup/margo.godwin/D78535D36C4UHJHBBH6G

Selling your home doesn't automatically mean your VA entitlement is restored and that little detail can matter BIG when ...
09/02/2026

Selling your home doesn't automatically mean your VA entitlement is restored and that little detail can matter BIG when you're ready to use your VA benefit again. 🇺🇸🏡

Here's the key:

-The VA loan generally needs to be paid in full
-The payoff must be verified
-Then your entitlement can be restored for future use

Your VA benefit is something you earned. Make sure you know how to protect it and use it strategically.

Have questions about your VA entitlement or thinking about buying again?

DM me and let's chat!

And keep following for more VA Tip of the Day posts designed to make the VA loan process a whole lot easier to understand. 🇺🇸

My last closing of the month is a VA Loan for a deserving veteran couple! They are a prime example of using your VA enti...
08/28/2026

My last closing of the month is a VA Loan for a deserving veteran couple! They are a prime example of using your VA entitlement to build generational wealth! 🏡🔑🥂

We are one of the top 100 VA Lenders in the country and have an amazing VA department. There are strategies to using your VA entitlement and we have the answers! 🇺🇸

Thank you Jesse Alfaro with Alfaro Real Estate for all your help and going above and beyond for your buyers! 👊🙌

Congrats to Gary Swafford and his sellers! 🎉

ATTN: REALTORSDo you ever get buyer calls after hours... and wonder how many opportunities disappear simply because no o...
08/26/2026

ATTN: REALTORS

Do you ever get buyer calls after hours... and wonder how many opportunities disappear simply because no one was available to help in that moment?

No more missed opportunities.

Join us Thursday, August 27th at 2:00 PM EST for a live webinar introducing our FREE 24/7 Co-Branded Pre-Qual Hotline - built to help busy Realtors, like you, stay connected to buyers day or night.

Imagine giving your prospects a number they can call when they're ready, after work, in the evening, on weekends and giving them a simple path to take the next step instead of waiting until tomorrow.

We'll show you how to use your co-branded hotline to help:
- Capture more buyer opportunities�
- Better support for your open houses and listings�
- Serve prospects after normal business hours�
- Create faster connections
- Keep more buyers moving toward a conversation and a closing

And the best part? It's FREE. No hit to their credit score for the pre-qualification.

If you're looking for another way to build your pipeline without adding more hours to your day, adding in another app or paying for another lead source service, this is one webinar you'll want to attend!

Register here: https://sites.totalexpert.net/event-registration/247-co-brand-pre-qual-realtor-event-aug-27th-227059

More conversations. More closings. More commission checks.

This is one of my closings from last month! (Better late than never lol 😆) This sweet couple had a less than desirable s...
08/25/2026

This is one of my closings from last month! (Better late than never lol 😆) This sweet couple had a less than desirable situation in their neighborhood and couldn’t get HOA to help so decided to move to get away from their situation. They found a home to put an offer on but someone else had just put an offer and gone under contract.

So they found a beautiful flip home and went under contract but the flip turned out to be a flop ☹️ so they backed out of the contract. As luck would have it the first home came back on the market and they went under contract on it. We were able to get them closed in 7 business days to still close by the end of the month!!! 🏡🔑🥂

Thank you to Tracie Golden for working so hard for your buyer to make this happen!!! You are amazing!!! 🙌

Congrats to Kim Nguyen / Texas Realtor® and her sellers! It was a pleasure working with you! 🎉

Address

1322 Space Park Drive, Ste B129
Houston, TX
77058

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