Stuart Clamp

06/02/2026

Confused by your mortgage preapproval number?

The number is determined by your debt-to-income ratio (DTI). Most conventional lenders approve borrowers with a DTI up to 43%, though some may allow higher.

Your DTI threshold reflects the maximum risk a bank is willing to accept. It’s not financial advice or a recommendation. It’s merely a standardized metric intended to protect the lender's investment.

Unfortunately, this calculation doesn't account for real-life expenses such as, childcare, travel, emergency fund, retirement savings, etc. Your goal is to find the number that actually works for your life.

Read more about how to calculate your SWAN number: https://bit.ly/4uh7xeZ

Need some help? Connect with me today.

05/26/2026

Qualifying for a large mortgage doesn't always mean you should take it on.
At First Horizon, we can help you determine your SWAN number, the mortgage amount that ensures you Sleep Well At Night.

Learn more about how to find a payment that will fit within your lifestyle: https://bit.ly/4ut8ba4

Need guidance on calculating your SWAN number? Send me a message, and let's discuss.

05/26/2026

Mortgage rates remain a key factor for homebuyers and homeowners. Recent coverage highlights how rate movement can affect monthly payments, refinancing decisions, and the spring housing market.

If you are considering a purchase or exploring a refinance, now is a good time to review your budget, compare options, and get prequalified so you can act confidently when the right home appears.

What strategies are you using to navigate today’s rate environment, and what information would help you feel more prepared?

The average rate on a 30-year fixed mortgage rose this week to 6.38%, according to the latest Freddie Mac data released Thursday. That is up from last week's reading of 6.22%.

05/22/2026

5.0 star review received on Experience.com for Stuart Clamp by Mallory L B - Made our process so easy! Will definitely recommend

Click to see all 94 reviews of Stuart Clamp, LO Nashville 536

05/22/2026

NAHB reports builder sentiment edged higher, signaling cautious optimism in homebuilding. Yet affordability challenges continue to weigh on buyers as rates, costs, and inventory pressures persist.

For clients considering a new build or purchase, staying informed and exploring financing options can make a difference in this evolving market.

What trends are you seeing in your community, and how are affordability factors shaping your plans?

Builder sentiment inched up in March even as builders continue to express affordability concerns stemming from elevated construction costs and shortages of buildable lots and labor.

05/15/2026

Smart tax planning can help you keep more of what you earn.

This CNBC article explores practical ways to maximize wealth through thoughtful tax strategies, from optimizing retirement contributions to tax efficient investing and charitable giving. Reviewing your plan early can uncover new opportunities before year end. Everyone’s situation is different, so consider consulting a qualified tax professional.

What strategies are you exploring this year to make your money work harder?

Building and protecting your wealth is more than just making smart investment decisions. Tax planning is also essential.

05/15/2026

5.0 star review received on Experience.com for Stuart Clamp by Rachel H - Stuart was very responsive and easy to communicate with. He made refinancing go very smoothly and answered all our questions!

Click to see all 93 reviews of Stuart Clamp, LO Nashville 536

05/08/2026

Thinking about tapping home equity?

Before you borrow, compare HELOC vs. home equity loan, review variable vs. fixed rates, factor in fees and closing costs, and stress-test your budget for rate changes.

Remember, your home is collateral. Borrow with a plan for payoff and an emergency cushion.

What questions do you have about using home equity for renovations, debt consolidation, or big purchases?

Rates, home prices and timing are just a few things to think about in today's home equity borrowing market.

05/05/2026

5.0 star review received on Experience.com for Stuart Clamp by Michael R - Stuart was very knowledgeable professional and reaponsive from start to finish. He was able to make the subordination of an existing HELOC seamless and ensured I had the final numbers to review well before closing. Thank you!

Click to see all 91 reviews of Stuart Clamp, LO Nashville 536

05/01/2026

Rising oil prices can ripple through your budget. Higher gas and diesel can lift shipping costs, airfare, groceries, home heating, and goods made from plastics.

Kiplinger breaks down what typically gets more expensive and why. Now’s a good time to review spending, adjust savings goals, and plan for seasonal energy costs.

What parts of your budget are most flexible when costs jump?

Oil prices affect more than gas. Here's what could get more expensive next.

11/09/2021

First-time Homebuying Checklist: 7 Things to Do When Purchasing Your New Home

There are a number of steps to buying a house for the first time and this homebuying checklist is designed to make purchasing your first home easier.

11/04/2021

Is Now the Right Time to Refinance a Home?

https://www.firsthorizon.com/Personal-Learning-Center/Is-Now-the-Right-Time-to-Refinance-a-Home

Refinancing your mortgage at a lower interest rate can help you save thousands of dollars over the life of your loan, reduce your monthly mortgage payment, or pay off your mortgage faster.

08/24/2021

Bidding wars aren't the biggest problem for homebuyers anymore – the latest challenge is finding a home listed at an affordable price from the beginning

Many buyers say their latest challenge is finding a home listed at an affordable price from the beginning.

08/24/2021

Four simple ways to show off your kitchen

From dark drama to maximalist shelving, see some of the latest trends for the heart of the home.

08/20/2021

Clever solutions can turn your kitchen's undersink area into a storage workhorse for cleaning supplies and more

Clever solutions can turn this awkward space into a storage workhorse for cleaning supplies and more

08/19/2021

You just bought a house: Here are 13 key questions to ask the prior homeowner

Before rushing the seller out, see if they'll spill the tea about your new home (and neighbors).

08/17/2021

Seven interior design trends that will disappear this year, and eight you'll see everwhere

From shiplap to wallpaper, interior designers weighed in on what home trends will stick around in 2021, and which ones have gone out of style.

08/16/2021

The end is near for the mortgage forbearance program and the foreclosure moratorium. Here's what that means

The end is near for the mortgage forbearance program and the foreclosure moratorium. Here's what that means.

08/15/2021

Before buying a vacation home, you'll want to think about money, rental challenges, and the market

Among other things, you'll want to think about rental challenges and the housing market.