Brenda Davis with Lower Mortgage

03/25/2025

Another happy homebuyer!🏡 Please reach out to me for same day preapproval

06/13/2024

Father's Day is this Sunday, June 16.

Wishing a very happy Father’s Day to all the dads!❤️

05/29/2024

Almost 1/3 of all homebuyers are doing it for the first time, according to the National Association of REALTORS®.

That’s why putting education first is such a big part of what I do day in and day out. If first-time homebuyers can learn more about the mortgage process, they’ll feel more comfortable making their purchase.

Real estate agents and borrowers should always ask questions. I’m here to answer all the nitty gritty details.

05/27/2024

On Memorial Day, we remember those brave people who gave everything while defending our country. 🇺🇸

05/22/2024

It’s all in the graphic!

If your number isn’t quite where it should be, take a little time to make sure you’re doing these eight things to boost your credit score.

In the end, a higher credit score will help you when it’s time to buy a house.

05/20/2024

Here's how credit scores work. In a simple graphic like this, it's easy to see what matters most.

1. Payment History (35%): This is the record of your payments on credit accounts, including credit accounts, mortgages, and other loans. On-time payments positively impact your score, while late payments, defaults, or bankruptcies can have a negative effect.

2. Credit Utilization (30%): This is the ratio of your current card balances to your credit limits. A lower ratio is generally seen as more favorable and can positively impact your score.

3. Length of Credit History (15%): This considers how long your credit accounts have been established. A longer credit history can be seen as more stable and may positively impact your score.

4. Types of Credit in Use (10%): This takes into account the various types of credit accounts you have, such as credit accounts, mortgages, and installment loans. A mix of different types of credit can be viewed positively.

5. New Credit (10%): This includes recent inquiries for new credit and the number of recently opened credit accounts. Multiple recent inquiries or new accounts may hurt your score.

05/15/2024

Now is relative!

For all the people who say now is the best time, there’s more to it than that. Of course, there are times when interest rates are on your side, but then demand is probably up. Would you be overpaying for a house? Maybe.

The best time to buy a house is when you’re ready. The numbers need to make sense. That means the interest rate, sale price, down payment, and monthly payment all work out in your favor. Don’t take that to mean there will be this magical moment when all the stars align. It just means, when you find a house you love, we’ll do everything we can to make your monthly payment work for it. Remember, you should be comfortable making the payment. Ready to chat when you are.

05/15/2024

We’ve got another little handy cheat sheet for VA loans.

You probably knew you could use a VA loan more than once. But, did you know it will change the funding fee? It’s still a great option for servicemembers, veterans, and family members to utilize for home financing.

07/05/2023

100% Financing is available now! Please reach out to me for more details

10/20/2022