Bow-Ty Loan Guy

10/20/2025

I am very excited to announce that the Hartmann Webb Team has joined CrossCountry Mortgage, and even MORE excited for the value this will bring our clients and real estate partners!

I don't take this change lightly, our team researched and weighed options for months to find the best fit, holistically. And while I'm extremely grateful for a great 11 years with APM, I'm even more grateful for the opportunity to better serve my clients and agents!

With industry-leading technology, an expansive suite of loan programs, and swift turn-times, it's no surprise CrossCountry is one of the nation's leading lenders!

Want to catch up or learn more about what the Hartmann Webb Team has to offer? Shoot me a DM or give me a call at (951) 505-0833.

Chat with you soon!

05/13/2025

A recent report from Redfin highlighted a very interesting opportunity for potential homebuyers in today's market.

The report showed that 44.4% of home sales in Q1 included some sort of seller concession. This is up from 39.3% last year and JUST shy of the record high of 45.1% (at the start of 2023).

Now, why are we seeing so many concessions? We're seeing them because demand has decreased and inventory is increasing, shifting market power to the buyers.

This means that potential homebuyers have a GREAT opportunity in front of them. Right now, there is almost a 50/50 chance you can get a seller credit to help make your purchase more affordable.

These credits can be utilized in multiple ways, with one of the most impactful ways being through an interest rate buydown (especially a temporary buydown). These can save buyers HUNDREDS of dollars each month on their mortgage payment and are a great way to mitigate these higher interest rates.

Of course, this window of opportunity won’t last forever. Once rates drop and the market changes, more buyers will jump into the market, and sellers won’t be as inclined to give out these credits.

So, if you or someone you know is curious about the options available in this current market, I would be honored to connect and see how I can assist!

08/22/2024

Looking for ways to pay your loan off faster?
Here are 3 tiny habits that will help you hit that goal!

1. Make bi-weekly payments. Bi-weekly payments essentially squeeze one extra payment out every calendar year, shaving ~4-6 years off your 30-year mortgage (depending on your current rate).

2. Recast your loan. Recasting allows you to recompute your mortgage payment schedule if you ever make a one-time, large payment towards your mortgage, without actually refinancing!

3. Round up every single purchase to the nearest dollar using an app like Acorn and apply your annual savings towards your mortgage.

If you have any questions about your loan, financing options, or ways to pay your loan off faster, shoot me a DM!

05/10/2023

GREAT NEWS FOR BUYERS!!!

FHFA has rescinded the LLPA they introduced earlier this year that would have increased costs for borrowers with a DTI over 40%!

Swipe through for more info! ➡️

03/03/2023

Lower FHA Mortgage Insurance is available NOW!!
In an effort to promote more accessible and affordable homeownership, the federal government decreased the FHA monthly mortgage insurance premium by 30 basis points. This move should result in lower monthly payments and increased purchase power for hundreds of thousands of buyers!
For more details about this change or how it could impact your scenario, send me a DM!

12/06/2022

Curious how these new loan limits will impact your or your buyer’s purchasing power? 🏠
Save this post for reference and DM me if you have any questions!

09/08/2022

The 2023 conventional conforming loan limit is projected to increase to around $715k and as an industry leader, American Pacific Mortgage is lending up to that new limit starting tomorrow, 9/8!!!

06/17/2022

Watch this for a breakdown of how the Fed rate impacts mortgage rates!

bowtyloanguy • Original Audio

05/18/2022

A huge thank you to Colleen Robinson with Landon, Rainwater & Robinson, LLP for this awesome presentation! If you missed it, check out the recording below for some invaluable information about taking title!!

10/29/2021

Happy National Cat Day!!