Kris Waters - SWBC Mortgage

09/22/2024

Hello, Fall! 🍂As the leaves change, we’re embracing the cozy vibes and new beginnings that autumn brings. Here’s to cooler weather, warm sweaters, and pumpkin everything. Happy first day of fall!

09/17/2024

We're thrilled to introduce the SWBC Move Up Program (TM), offering up to $10,000 to help make homeownership more affordable! 💰✨

Ready to learn more? Contact us today and take the first step towards your new home!

09/14/2024

Beautiful venue in Nashville. First class all the way. SWBC Mortgage Corporation SWBC Mortgage Pensacola The Bell Tower.

09/03/2024

Homeownership just got easier with our latest program offering up to $10,000 in down payment assistance! 💸 This program aims to make owning a home more accessible than ever. Don’t let the down payment hold you back—explore your options and take the first step toward homeownership today!

Don't miss out—reach out to us to see how you can qualify! 🏡🔑

09/03/2024

A cash-out refinance lets you tap into the equity in your property. It replaces your existing mortgage with terms of a new mortgage. Curious if a refinance would make sense for your specific financial goals? Give me a call today to talk through your options!



*Refinancing an existing loan may result in higher total finance charges over the life of the loan.

Refinancing a home loan means replacing your current mortgage with a new one to potentially save you money. But breaking even takes time after upfront costs.

09/02/2024

Today we celebrate the nation's workers and their contributions that keep our nation moving forward. Happy Labor Day!

08/20/2024

Curious what a monthly mortgage payment would look like for you? Use this calculator to get an estimate as a starting point. Reach out and we'll be happy to run an exact scenario for you!

If you’re a first-time homebuyer who hasn't saved enough to make a large down payment or are concerned you might not qualify for a conventional home loan, a Federal Housing Administration (FHA) loan could be ideal. Loans that are insured by the FHA have lower down payment requirements than conven

08/15/2024

Great news! USDA has increased the PITI Housing Ratio to help make homeownership more achievable. The ratio has increased from 29% to 34%.

Curious how this could open more doors for you to achieve your dream of homeownership? Give me a call today!

08/09/2024

The National Association of Realtors (NAR) reached a settlement which made changes to the way broker compensation is handled, effective August 17, 2024.

- Both buyers and sellers are now required to sign a written agreement with their agent before the agent shows them a property or assists with a transaction
- Agents can no longer list any sort of compensation when they put a house on Multiple Listing Services

Buyers still have the same options when it comes to compensating their agents and can negotiate to determine how that compensation will be paid.

interested in learning more about these changes? Let’s chat!

08/08/2024

Did you know that mortgage interest rates play a big role in your home purchase or refinance? 📉 Lower rates mean smaller monthly payments, which can make your dream home more affordable or save you thousands over the life of your loan.

Conversely, higher rates can increase costs, so it's essential to stay informed and act when rates are favorable. Whether you’re buying or refinancing, a small change in interest rates can have a big impact on your finances! 💰🔑

With the recent dip in interest rates, and more projected for later this year... it is a great time to discuss your financial and lifestyle goals. Let's schedule some time to chat.

07/04/2024

🇺🇸 Celebrating freedom and fireworks! Happy 4th of July! 🎆

07/03/2024

A temporary buydown is a financing tool where the seller or builder reduces the buyer's interest rate for the first few years of the mortgage. This makes the home more affordable initially 🏡

These programs can be a game-changer, making your path to homeownership smoother and more affordable. If you're in the market for a new home, ask your Loan Officer about this option!

Interested in learning more? Let's schedule some time to talk through your goals.