Kyle Swope Loan Officer, NMLS: 2349364

09/18/2025

🏡 Rates Are Dropping - Time to Revisit Your Mortgage!

The recent rate cut from the Federal Reserve could lead to lower mortgage rates. If you bought your home in the last 2-3 years, you might be sitting on equity and a higher interest rate than what's available today. Refinancing could mean:

✅ Lower monthly payments - potentially saving hundreds each month
✅ Skipping a payment - giving you a little breathing room
✅ Resetting your escrow account - especially helpful before property taxes hit
✅ Saving thousands in interest over the life of your loan

📩 Curious what's possible for your situation? I offer personalized reviews to help you understand your options - no pressure, just clarity. Email me or call me today for a quick review! 816-560-4136.

Rate info as of 9/17/25, subject to change.

07/10/2025

Waiting won’t build equity. Owning will.

While rates move up and down, every month spent renting is a month you’re not building equity, locking in your housing costs or investing in your future.

The sooner you buy, the sooner you start building long-term wealth and, if rates drop later, refinancing may be an option. Don’t let uncertainty keep you on the sidelines.

Apply today and take the first step toward homeownership. DM to learn more.

05/28/2025

Wondering what all this means? A temporary buydown allows funds to be put into escrow upfront to go towards mortgage payments for up to 3 years. A 3-2-1 temporary buydown can reduce the effective interest rate for three years and will lower the rate by 3% the first year, 2% the second year, and 1% the third year. The rate returns to the original fixed rate after the buydown period. As the borrower, a 2-1 temporary buydown can reduce the effective interest rate for two years, by 2% the first year and 1% the second year. A 1-0 temporary buydown can reduce the interest rate by 1% for the first year of the loan. Happy to answer any additional questions about temporary buydowns and how they work.

05/27/2025

Home trends in 2025 are all about comfort, convenience, and feeling good in your space—and we’re here for it. Here are the home features buyers are loving this year:

Smart home tech – From lighting to security, being able to control your home from your phone is no longer a luxury—it’s expected.
Energy efficiency – Solar panels, efficient windows, and appliances that help lower bills while being eco-friendly? Big yes.
Wellness spaces – Whether it’s a home gym, spa-inspired bathroom, or a quiet spot to recharge, buyers want homes that support healthy living.

If you’re thinking about your next home (or updating your current one), these features are worth keeping in mind. A renovation mortgage can help you bring them to life—without juggling multiple loans. DM me to chat about the details or toss around some ideas!

05/06/2025

Your home equity is more than just value on paper — it's a tool.
If you've owned your home for several years, you've likely built up significant equity.

Here's some potential uses for that cash:

1. Financing home renovations 🏠
If you need to replace your roof, install a new HVAC system, or have some unexpected repairs crop up, the cash obtained from a home equity loan could cover the costs. You can also use those funds to pay for those dream additions you've been wanting like an in-ground pool, a kitchen or bathroom remodel, and more.

2. Consolidate High-Interest Debt 💰
You could use the cash from your home equity loan to manage your high-interest debt. Since home equity loans historically have a lower interest rate than credit cards, you may also be able to save on the amount of interest you are paying over time.

3. Covering unexpected expenses
You can use the cash obtained from a home equity loan to cover unexpected expenses that come up.

This isn't a one-size-fits-all solution. It's a customized financial strategy designed around your goals, lifestyle, and timeline.
If you're wondering what your equity could do for you — whether it's upgrading or reducing monthly expenses — I'd love to walk you through the numbers.

*All credit decisions for brokered products will be made by a third party. Restrictions and limitations apply.

Looking for a home loan? Whether you're interested in purchasing, refinancing or renovating, we are here to help.

04/29/2025

Buying a home might feel like a big leap, but it doesn’t have to be overwhelming. With a little preparation and the right knowledge, the process can be simple and exciting. Taking the right steps upfront can help you feel confident and prepared when you’re ready to make an offer.

1. Get qualified* – Understanding how much you can afford is the first step. This gives you confidence to shop for homes in your price range and avoid falling in love with something that’s out of reach.
2. Find your home – Whether you’re looking for a starter home or something bigger, you’ll know exactly what to search for when you’ve got a clear budget in mind.
3. Make an offer – Once you’ve found the right place, you’ll be ready to make a solid offer that fits your budget and stands out.
4. Secure financing – The mortgage process is easier when you know exactly what your options are and what you can afford.
5. Close the deal – With everything in place, you can go through the closing process smoothly and confidently, ready to get the keys to your new home.

Homeownership is within reach when you take it step by step. Get qualified today and take the first step toward homeownership with confidence. DM to learn how.

*All loans subject to credit approval. A qualification is not an approval of credit, and does not signify that underwriting requirements have been met. Conditions and restrictions may apply.

03/12/2025

Give your customers the edge they need to win in a competitive market with PrimeLending’s Buyer’s AdvantEDGE' program. This exclusive program helps strengthen your customers' offers with:

- Upfront credit approval letters
- Close On Time Guarantee²
- Appraisal Waiver³

With the right tools, you can give your customers a true advantage in the market. Join PrimeLending and put the Buyer’s AdvantEDGE to work for you. Contact us to talk details https://www.joinprimelending.com/contact-us
DM me to talk details.

1)Approval means an Underwriter has reviewed your application and has verified all necessary forms of income, assets, and credit. All loans subject to final credit approval and acceptable property. Conditions and restrictions may apply. 2)Credit approval required before ex*****on of sales contract (underwriter verified all necessary forms of income, assets, and credit). $5,000 paid to seller if loan isn’t closed by later of closing date or 21 days from receipt of executed sales contract. Voided by changes in sales contract, borrower’s credit, loan program, borrower/seller delays, fraud, legal restrictions, or circumstances beyond lenders control. Subject to property conditions being met. Valid only on FHA or Conventional single family primary residence purchase loan. Exclusions apply. See details: https://www.primelending.com/buyersadvantedge 3)Property Inspection Waiver specific to borrower and property and contingent on loan parameters. Borrower will need to be approved. Not available for all loan programs. Additional restrictions and conditions apply.

02/26/2025

Big congratulations to Skye and the Graves family on closing on their new homes this week. It is always an honor to help great people achieve their homeownership dreams! Wishing both families years of happiness and great memories in your new spaces!

If you are looking to buy or refinance - lets talk!! I'd love to help make your home goals a reality! 816-560-4136

02/25/2025

Tap into your home’s hidden value! A PrimeLending home equity loan* lets you turn your equity into cash without losing your low mortgage rate. Use that cash for renovations, debt consolidation, or surprise expenses—it's your choice. Get started today!

*All credit decisions for brokered products will be made by a third party. Restrictions and limitations apply.

https://lo.primelending.com/kyle.swope/

01/30/2025

For a limited time, PrimeLending’s Spring Into Savings Buydown Program offers a 1-0 temporary buydown* that lowers the effective interest rate and payments during the first year of FHA, VA, or USDA loans. It’s a great way to make homeownership more affordable for your clients while helping you close more deals this spring.

Don’t wait—this offer is only available for a limited time! Contact me today and mention promo code SPRING SAVINGS to learn more.

Let’s work together to make homeownership happen!

*Buydown 1-0 Option will be paid by PrimeLending. Rate discount applies only to first year. Must apply for and lock loan through PrimeLending between 2/1/25 and 4/30/25. Savings will reflect on the Closing Disclosure. Offer only available for FHA, VA, and USDA purchase loans. Excludes bond, broker, conventional products, high balance, jumbo products, portfolio products, construction loans, and refinances. Offer can be paired with PrimeLending VA No Lender Fees promotion, all other promotions are excluded. Certain loan programs do not allow buydowns. Additional restrictions may apply, contact a PrimeLending loan officer for details. Subject to credit approval.

11/04/2024

Every time mortgage rates change mentions of “the Fed” pop up everywhere. The Fed, a.k.a. the Federal Reserve, is the U.S. central banking system and is responsible for the operation of the country’s economy, including monetary policy, financial stability, supervision and regulation, payment systems and consumers and communities. The interest rates set by the Fed are used as guidelines by other financial institutions, including lenders. You can learn more about what the Fed does at https://www.federalreserve.gov/aboutthefed/the-fed-explained.htm

Rates as of 9/27/24, subject to change.

09/24/2024

Still happy with your rate? Want to pay down your mortgage faster? Let’s run a mortgage checkup to make sure your mortgage still fits your financial goals and budget. I may be able to determine if you could be eligible for a refinance to get a new mortgage rate or set new mortgage terms. Reach out today to request your mortgage checkup 816-560-4136 or [email protected]