William Brennen, NMLS #616971, SWBC Mortgage

05/12/2024

Today, we celebrate the women who inspire us, support us, and love us unconditionally. Happy Mother's Day 🌷

04/22/2024

…we're gonna recycle like it’s your birthday! 🎵🌎🎉♻️

04/19/2024

Considering a new home? Homeownership is more than just a financial investment - it’s an investment in your future 🏡 This guide will help you know what to expect, and:

• Understand the value of having an experienced real estate agent and lender team on your side
• Know what to expect during the mortgage process
• Determine how much home you can afford
• Understand the basics of credit scores
• Review the Do’s and Don’ts before and during the application process
• Find a home that fits both your goals and your lifestyle

Your first home is possible! Let me know if you'd like to talk about your homeownership goals. Download the ebook here https://swbc.me/YourFirstHome

04/18/2024

A credit score is a compilation of information about your debt and payment history, converted into a number that helps a lender determine the likelihood that you will repay the loan in a timely manner. It is typically based on your payment history, outstanding obligations, the length of time you have had outstanding credit, the types of credit you use, and the number of recent inquiries from other lenders about your credit history.

Your credit score, along with other factors about the loan and property, is considered as part of the underwriting process and plays a critical role in determining your mortgage qualification.

04/17/2024

Turn a house into your perfect home! Renovation financing can be a great strategy for today’s hopeful first-time homebuyer. Ask me if this may be an option in your local market. 🏡🌟

04/16/2024

Many of us have been waiting to discover how the recent NAR lawsuit would unfold in our industry and how it would impact different parties in the typical real estate transaction. We've just received updates:

- Fannie Mae and Freddie Mac, two government-sponsored enterprises (GSEs) that buy and guarantee mortgages, have just issued notices that if a seller or seller’s real estate agent continues to pay the buyer’s real estate agent commission in accordance with local common and customary practices, then those amounts are not required to be counted towards the IPC limits for the transaction.

- FHA has issued a similar statement indicating that they will not consider the IPC limit as long as the practice of the seller paying these fees remains common practice.

-VA has indicated that they are still evaluating the impact of the NAR settlement agreement and their current policy, which does not allow the buyer/Veteran to pay these fees, remains in place.

I'll keep you updated on any further developments in the coming months. If you have any questions or concerns, feel free to reach out, and we'll be happy to assist.

04/01/2024

Want to know more about mortgages? In honor of Financial Literacy Month, our local, trusted lenders are here to answer all of your questions!

03/19/2024

The flowers are blooming and so is the spring housing market! We love this time of year☀️🌸

03/17/2024

🍀 Happy St. Patrick's Day 🍀

02/25/2024

Flexibility, low down payments and no mortgage insurance options for qualified homebuyers? Yes, please! With conventional financing, you will gain access to several fixed- and adjustable-rate options. Read all about them here:

https://bit.ly/3Ibu8nx

02/24/2024

Are you an active or former service member who is considering purchasing land to build the home of your dreams? You may be eligible to use a VA loan to achieve that dream. 🎖️🏠

Check out this article and reach out if you have any questions or if you'd like to find out if you're eligible. 📱

Eligible service members who want to buy land on which to build a home may wonder, “Can you buy land with a VA loan?” The answer is yes, but with conditions.

02/23/2024

Homebuyer pro tip! A rate buydown is a smart option for homebuyers in today's market. Enjoy reduced monthly payments and long-term savings, making homeownership more affordable. Ready to make your move? Let's connect and discuss your goals. 🏡✨