Brian Duckworth, Loan Officer Nmls#2250724

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Richmond Hill, NC
Brian Duckworth, Loan Officer Nmls#2250724

Mortgage Loan Officer with Ascend Lending

With over 30 lenders we have a wide variety of loan programs to meet everyone’s needs for all QM/Non-QM/Investment/commercial borrowers!

07/03/2025

Veterans — Big News for VA Renovation Loans! 🛠️🏡

The VA has officially removed the builder ID requirement for renovation loans — and that’s a HUGE win for veterans looking to improve or customize their homes.

Why this matters:
✅ You can now work with more local contractors — not just those with a VA builder ID
✅ It gives you more flexibility, faster timelines, and often better pricing
✅ Whether you're buying a fixer-upper or updating your current home, this loan lets you roll renovation costs right into your VA mortgage — with $0 down and no PMI

This opens up real opportunities for veterans to create the home they really want, without being limited by outdated red tape.

📲 Ready to talk through your options? I’m here to help you take full advantage of this update!

05/12/2025

📊 Ever Wonder What Makes Up Your Credit Score? 🧠💳

We get asked this one a lot!!!

Understanding your credit score is key to getting the best rates on your mortgage, car loan, and even insurance. Here’s a quick breakdown of the 5️⃣ main components that make up your FICO score:

Payment History (35%) – This is the big one! Lenders want to know you pay on time. A few missed payments can do serious damage.

Amounts Owed (30%) – This looks at how much of your available credit you're using. Aim to keep credit card balances under 30% of your limit.

Length of Credit History (15%) – The longer your credit history, the better. Don’t close those old accounts unless you have to!

Credit Mix (10%) – Having a variety of credit types (credit cards, auto loans, mortgage) shows you can handle different kinds of debt responsibly.

New Credit (10%) – Opening too many new accounts in a short time can hurt your score, so space out those credit applications.

💡Want help understanding how your score could affect your home loan? I’m happy to chat! Shoot me a message or drop a comment below.

05/05/2025

🏡 Buying a Home? Don’t Just Get Pre-Approved—Get Empowered. 💪

When you work with me at Ascend Lending, you’re not just shopping with a pre-approval letter—you’re shopping with confidence, strategy, and leverage.

✅ Fast, accurate pre-approvals
✅ Access to multiple loan options (not just one bank’s!)
✅ Personalized guidance to strengthen your offer
✅ Local insight that helps your bid stand out

In today’s market, every edge matters. Let’s turn your dream into a winning offer. 💼🔑

📲 DM me to get started or tag someone who’s ready to buy!

03/03/2025

You don’t need luck to buy a home—you need a smart mortgage strategy. 🎯💰 While some people wait for a jackpot, others make a plan and secure the keys to their future

02/19/2025

Not all lenders are created equal! If you’re shopping for a mortgage, watch out for these red flags that could cost you big time:

1️⃣ Too-Good-to-Be-True Rates: If the rate sounds suspiciously low, dig deeper. Hidden fees or adjustable terms might be lurking. Transparency is key!

2️⃣ High-Pressure Tactics: Feeling rushed to “sign now”? 🚩 A good lender should guide you, not push you into decisions you’re not ready for.

3️⃣ Lack of Communication: Are they slow to respond or vague with answers? Communication matters when navigating your biggest financial decision. 🏡

4️⃣ Unexplained Fees: Spot charges on your loan estimate that don’t make sense? Always ask for a breakdown!

5️⃣ Bad Reviews: Check their reviews online. A pattern of complaints isn’t just a coincidence—it’s a warning.

Pro Tip: Your lender should be a partner in your home-buying journey, not a source of stress. Take your time, ask questions, and make sure you’re 100% comfortable!

Found this helpful? Give it a ❤️ and 💾 save it for later!

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02/18/2025

💔 Hearing “We’re sorry, we can’t approve your mortgage application” can feel like the end of the road—but it doesn’t have to be. As a mortgage broker, I specialize in turning “NOs” into “YES!” 🏡

Here’s what the bank didn’t tell you:

✅ You can raise your credit score (one of my clients did it in just 3 months!)
✅ Self-employed? I know lenders who get it
✅ Low savings? Some programs only need 3% down
✅ High debt-to-income ratio? Refinancing could open the door

No matter the challenge, I’m here to find YOUR solution. Because your dream of homeownership is closer than you think.

📩 Comment “READY” below, and let’s explore your options today!

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Follow → Brian Duckworth, Loan Officer Nmls #2250724 for your daily mortgage tips!

12/10/2024

Imagine this: the rent you’re paying now could be building equity in your own home. Let’s break it down:

If you’re paying:

-> $1,500 in rent, you might qualify for a home worth around $300,000
-> $2,000 each month? That could translate to $375,000 of buying power
-> At $2,500, you could be looking at $450,000 for your future home
-> Paying $3,000? Think $525,000 worth of potential ownership
-> $3,500? You’re already in the range of $600,000

These numbers are based on typical lender guidelines, assuming average interest rates and a standard down payment. Your rent is already showing you what’s possible in homeownership.

Ready to take the leap into homeownership? Comment “READY” and let’s start the mortgage pre-approval process.

❤️ Like this post and 💾 save for future reference. Share with anyone who is thinking about buying a house in 2025

Follow → Brian Duckworth, Loan Officer Nmls #2250724 for your daily mortgage tips!

10/06/2023

A HUGE congrats to Caroline for closing on her new home! It was such a pleasure working with you and welcome to the Simple Lending Family! 🎊🏡

A huge shout out to Francisco Mejia for negotiating an amazing deal for her, and being an awesome communicator throughout the whole process. For those of you who don’t know, Cisco knows real estate investment and the local market top to bottom, setting himself apart from his peers and solving problems before they ever become an issue in the first place. If you are in the market for an excellent agent to represent you, definitey give him a call!

Simple Lending Mortgage

Address

Richmond Hill, NC
31324

Telephone

+19198960318

Website

http://www.ascendlending.net/

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