Shawntell Williams Evans at Rate NMLS 262782

05/26/2026

05/22/2026

🏡 Dreaming of owning a home but worried about the down payment?
You may be closer than you think! 💥

Down Payment Assistance programs can help qualified buyers with:
✔️ Down payment funds
✔️ Closing cost assistance
✔️ Lower out-of-pocket expenses
✔️ More affordable path to homeownership

Whether you’re a first-time buyer or purchasing again, there may be programs available for YOU! 🙌🏽

Let’s talk about your options and create a plan to get you home. 🔑❤️🖤

Shawntell Evans
VP of Mortgage Lending
📞 832.797.5055
🌐 rate.com/shawntellevans
📍 Licensed in Texas & Louisiana
NMLS # 262782

05/20/2026

🚨 FLEXIBLE MORTGAGE OPTIONS AVAILABLE! 🚨

Having DTI issues? Traditional income documentation may not be your only option. 🏡

✔️ No Employment Verification
✔️ No Income Verification
✔️ Available for Primary Homes & Second Homes
✔️ Great for self-employed borrowers — but not limited to self-employed borrowers!

📌 Program Highlights:
🔺 680–719 Credit Score → 25% Down + Reserves
🔺 720+ Credit Score → 20% Down + Reserves

Perfect for business owners, entrepreneurs, freelancers, investors, and borrowers looking for alternative financing solutions.

📲 Call me today to see if this program is right for you!

Shawntell Evans
VP of Mortgage Lending
📞 832-797-5055
🌐 rate.com/shawntellevans
NMLS #262782

05/18/2026

This Military Appreciation Month, we proudly honor the brave men and women who have served our country. 🇺🇸

Did you know VA loans may offer:
✔️ $0 Down Payment
✔️ No PMI
✔️ Competitive Interest Rates
✔️ Flexible Credit Guidelines

💡 At Rate, VA loans do not have a lender-imposed minimum credit score when the loan receives an AUS (Automated Underwriting System) approval.*

You served our country — now let us help you achieve homeownership. 🏡

📞 Call me today to learn more about your VA loan benefits!
Shawntell Evans | VP of Mortgage Lending
NMLS #262782
832-797-5055

*Approval not guaranteed. Loan will be reviewed based on VA guidelines.

05/15/2026

This one qualifies for USDA loan!! Call me today to see how you can purchase this property for $0 down payment!!

832.797.5055

For Sale: 12247 Shield Crest Ct, Willis, TX 77378 ∙ $154,990 ∙ 0.12 Acres Lot ∙ 1,030 Sqft, 3 beds, 2 full baths, Single-Family ∙ View more.

01/16/2026

🚫 Credit Myth: “Checking my credit hurts my score a lot.”

✅ Truth: There are different types of credit checks.

Soft pull = doesn’t impact your score (great for early planning)

Hard inquiry = may cause a small, temporary dip

The bigger win? Knowing where you stand before you fall in love with a house.

Want a no-pressure credit check and purchase plan?
Call me at 832.797.5055 or apply online by visiting rate.com/shawntellevans

01/15/2026

🚫 Credit Myth: “You need a 700+ credit score to buy a home.”

✅ Truth: Many buyers can qualify with scores at 620 and lower, depending on the loan program and the full picture (income, debts, down payment, and payment history).

If you’re thinking about buying this year, don’t guess—get a game plan. I can review your scenario and tell you what’s realistic (and what to improve first).

Call me today at 832.797.5055 and let's talk about your personal situation.

01/14/2026

Let’s bust a BIG homebuying myth 👇

❌ Myth: “I need perfect credit to buy a home.”
✅ Truth: You don’t need perfect—you need a plan.

Quick credit tips that help FAST:
✔ Keep credit card balances under 30% (under 10% is even better)
✔ Don’t open new accounts right before applying
✔ Make every payment on time (even one late hit can sting)

🎥 I’m posting a quick reel this week: “What credit score do you really need?”
Want me to look at your situation and tell you your best path? No pressure! Call me at 832.797.5055 or start your pre-approval by visiting my website rate.com/shawntellevans

01/13/2026

🏡 New Year, New Keys! 🔑✨
If buying a home is on your 2026 vision board, here’s the real first step:

✅ 3 things to do before you start Zillow scrolling:

Set your monthly comfort number (not just a purchase price)

Check your credit. Keep those credit card balances low (this matters more than most people think)

Get pre-approved so you know exactly what you can afford so you can move fast when you find “the one”

📌 What you need to buy a home (simple checklist):
• Most recent 30 days pay stubs
• Last 2 years W-2s (or tax returns if self-employed)
• Last 2 months bank statements

✅ 2026 FHA Loan Limits (NEW):
For a 1-unit home, FHA limits range by county from $541,287

Need a quick payment estimate? Call me at 832.797.5055 or visit rate.com/shawntellevans to get pre-approved today! Quick application and fast approvals.

11/11/2025

Today we pause to honor every Veteran and military family. Your sacrifice makes home possible for all of us. If you’re exploring homeownership or a refi with your VA benefit, I’d be honored to help.
DM me or call 📲 832-797-5055
— Shawntell Evans | Mortgage Loan Officer