Shari Barnhill Mortgage Advisor NMLS #217460

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Shari Barnhill Mortgage Advisor NMLS #217460 Mortgage Loans including Conventional, FHA, NIFA, VA, Construction, Reverse, Jumbo and USDA.

𝗕𝗜𝗚 𝗖𝗛𝗔𝗡𝗚𝗘𝗦 𝗔𝗥𝗘 𝗖𝗢𝗠𝗜𝗡𝗚 𝗧𝗢 𝗛𝗢𝗠𝗘 𝗔𝗣𝗣𝗥𝗔𝗜𝗦𝗔𝗟𝗦!Starting in November 2026, the mortgage industry is moving to a new appraisal ...
11/02/2026

𝗕𝗜𝗚 𝗖𝗛𝗔𝗡𝗚𝗘𝗦 𝗔𝗥𝗘 𝗖𝗢𝗠𝗜𝗡𝗚 𝗧𝗢 𝗛𝗢𝗠𝗘 𝗔𝗣𝗣𝗥𝗔𝗜𝗦𝗔𝗟𝗦!

Starting in November 2026, the mortgage industry is moving to a new appraisal reporting standard called UAD 3.6 (Uniform Appraisal Dataset). The goal? A more complete, consistent picture of a home's value.

So, what's changing?

More Property Details: Appraisers will collect more specific information about a home's features, materials, condition, and improvements.

Better Documentation: Updated photo and reporting requirements will give lenders a clearer look at a property's features and condition.

More Detailed Property Information: Improved reporting will provide additional context about a home's characteristics and location.

A Closer Look at Condition:Renovations, updates, and overall upkeep will be documented in a more structured way.

More Consistency Across Appraisals: Standardized reporting will make appraisal information easier for appraisers and lenders to review and compare.

So, what does this mean for homebuyers?

The goal isn't to make buying a home more complicated. It's to provide a clearer understanding of the property. While more detailed reporting doesn't guarantee a higher value, it helps ensure important characteristics are documented and considered.

At CharterWest Bank Mortgage Center, we're here to help buyers stay informed through every step of the mortgage process.

Have questions about appraisals or buying a home? Reach out, we're happy to help!

Forget haunted houses. Mortgage lenders have their own list of nightmares.New credit cards? Missing documents? Large dep...
10/30/2026

Forget haunted houses. Mortgage lenders have their own list of nightmares.

New credit cards? Missing documents? Large deposits? Job changes?

Consider this your friendly Halloween reminder: before making any big financial moves during the homebuying process, talk to me first.

Wondering if buying a home is actually realistic right now? Don’t count yourself out just yet.You may not need 20% down ...
10/26/2026

Wondering if buying a home is actually realistic right now? Don’t count yourself out just yet.

You may not need 20% down or perfect credit, and eligible buyers may have options for down payment and closing cost assistance through programs like Nebraska Investment Finance Authority and Iowa Finance Authority

Whether you’re ready to buy now or need a little more time, let’s look at your numbers and figure out what makes sense for you.

Stop guessing. Let’s see what’s possible.

Don’t let the market change your plans. Let’s talk adjustable-rate mortgage options and see what might work for you. Con...
10/22/2026

Don’t let the market change your plans. Let’s talk adjustable-rate mortgage options and see what might work for you. Contact me for more information!

Before calling the number listed or making a payment:✔ Contact your lender directly using a trusted phone number.✔ Verif...
10/22/2026

Before calling the number listed or making a payment:
✔ Contact your lender directly using a trusted phone number.
✔ Verify whether the mailing is legitimate.

Remember: CharterWest Bank & Mortgage Center will never send a misleading "final notice" asking you to purchase a home warranty. If you're unsure about a mailing you've received, contact us directly before responding.

Things that just go together: fall edition.Costumes. Props. Fires. Treats.And maybe… pre-qualification + house keys. 🏡🔑
10/18/2026

Things that just go together: fall edition.

Costumes. Props. Fires. Treats.

And maybe… pre-qualification + house keys. 🏡🔑

We really do say some questionable things.But “don’t move your money,” “don’t open that credit card,” and “I need your s...
10/14/2026

We really do say some questionable things.

But “don’t move your money,” “don’t open that credit card,” and “I need your social” all make a little more sense when you’re trying to get to the closing table.

Trust the process.

Rock, paper, scissors, ...mortgage. Sometimes the best move is making one. Reach out today to get started!
10/06/2026

Rock, paper, scissors, ...mortgage. Sometimes the best move is making one.

Reach out today to get started!

Higher rates don’t mean you’re out of options. 🏡A 2-1 buydown can help lower your monthly payment during the first two y...
09/29/2026

Higher rates don’t mean you’re out of options. 🏡

A 2-1 buydown can help lower your monthly payment during the first two years of your mortgage by temporarily reducing your interest rate.
Year 1: 2% below the note rate
Year 2: 1% below the note rate
Year 3+: Returns to the full note rate

The cost of the buydown is typically paid by the seller or builder, which can make it a great option to explore when negotiating a home purchase. Buyers still qualify at the full note rate, and program restrictions apply.

At CharterWest Bank Mortgage Center, the goal isn’t just to talk about rates—it’s to help you understand the options available and find a mortgage strategy that fits your budget.
Have questions about whether a 2-1 buydown could work for you? Let’s talk! 🦅

Not every home sale makes it to closing, but preparation can make a big difference. Inspections, repairs, financing, and...
09/24/2026

Not every home sale makes it to closing, but preparation can make a big difference.

Inspections, repairs, financing, and contingencies can create bumps along the way. That’s why having an experienced real estate professional of your choice and a knowledgeable lender can make all the difference!

Clear communication. Solid financing. Fewer surprises. Let’s get you to the closing table!

Address

4400 S. 86th Street , Suite 101
Lincoln, NE
68526

Opening Hours

Monday 8am - 5pm
Tuesday 8am - 5pm
Wednesday 8am - 5pm
Thursday 8am - 5pm
Friday 8am - 5pm
Saturday 9am - 5pm
Sunday 8am - 5pm

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