Shawna Verrett Home Loans

Shawna Verrett Home Loans Citywide Home Mortgage
Residential Mortgage Loan Originator
NMLS # 1878085 | TX|FL: 1878085
https://www.nmlsconsumeraccess.org/

Shawna Verrett is a Mortgage Loan Officer at First Centennial Mortgage. She was born and raised in the Lone Star State, in San Antonio. Growing up as an only child, she learned the value of hard work, respect, loyalty, determination and dedication. Having a structural engineer as her father, Shawna acquired a passion for using her hands to do anything from helping remodel houses to building furnit

ure for her house. The importance to pay attention to detail is a must in her eyes and has carried through to her mortgage career. Before breaking into the mortgage industry, Shawna obtained a Bachelor of Science degree in Biology and ran an animal rescue organization for 10 years, where she still actively volunteers. Giving back to the community, Shawna has been an active member with the San Antonio Stock Show and Rodeo Medical Committee since 2007, and she is now one of five directors. Each step of the way, Shawna has had a love of numbers – this combined with the love to problem solve, meet deadlines, serve people, make their dreams come true and the desire to learn and be the best in her career made it easy for her to follow her heart when the opportunity presented itself to begin a career in the mortgage industry. Shawna’s unique experience and approach focused on addressing her client’s needs and financial situations has made her a true trusted advisor. “Every day I help clients obtain the best loans in and around San Antonio in order to finance their properties. I’m experienced, trustworthy, and always available. From the first point of contact, all the way through closing, I am dedicated to partnering with you through the entire process.”

At First Centennial Mortgage, Shawna offers FHA, conventional, VA, USDA, first-time homebuyer down payment assistance programs, renovation and jumbo loans. Outside of work, Shawna is a mother to four beautiful children, two girls and two boys; a dog, Max; a three-legged kitty found lying in a field named Cashmere; 2 barn cats, Bruce and Bella; 3 horses, Topper, Montana and Dolly; Chickens; a Turtle; and whatever other animal the kids decide they may need to keep from the outdoors for a few days. In her free time, Shawna likes to do anything outside – riding horses, doing yard work, going on hikes on the trails, visiting Sea World or basically being anywhere near water during the summer. Shawna is active with her church community and is committed to pouring into the lives of others with grace, commitment, respect and loyalty. In her eye, everything must be done through faith, kindness and love. Contact Shawna today to begin your homebuying journey! For Texas Consumers Only:
CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A MORTGAGE BANKER OR A LICENSED MORTGAGE BANKER RESIDENTIAL MORTGAGE LOAN ORIGINATOR SHOULD COMPLETE AND SEND A COMPLAINT FORM TO THE TEXAS DEPARTMENT OF SAVINGS AND MORTGAGE LENDING, 2601 NORTH LAMAR, SUITE 201, AUSTIN, TEXAS 78705. COMPLAINT FORMS AND INSTRUCTIONS MAY BE OBTAINED FROM THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV. A TOLL-FREE CONSUMER HOTLINE IS AVAILABLE AT 1-877-276-5550. THE DEPARTMENT MAINTAINS A RECOVERY FUND TO MAKE PAYMENTS OF CERTAIN ACTUAL OUT-OF-POCKET DAMAGES SUSTAINED BY BORROWERS CAUSED BY ACTS OF LICENSED MORTGAGE BANKER RESIDENTIAL MORTGAGE LOAN ORIGINATORS. A WRITTEN APPLICATION FOR REIMBURSEMENT FROM THE RECOVERY FUND MUST BE FILED AND INVESTIGATED BY THE DEPARTMENT PRIOR TO THE PAYMENT OF A CLAIM. FOR MORE INFORMATION ABOUT THE RECOVERY FUND, PLEASE CONSULT THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV.

Jumbo Loans? I speak the language.Whether you're buying big or refinancing smart, I know jumbo loans inside and out—and ...
09/17/2025

Jumbo Loans? I speak the language.
Whether you're buying big or refinancing smart, I know jumbo loans inside and out—and I’m here to make them simple for you. And, with rates at a 12 month LOW, now is the time to hop off the fence, run numbers and buy your dream home.

✅ Expert guidance
✅ Tailored solutions
✅ Smooth process from start to close

If you're thinking big, let's talk. Message me or hit the link in bio to get started!



http://citywidehm.com/shawnaverrett

Mortgage Rates Just Hit a 12-Month Low!If you're sitting in the 7%-8% range or event high 6%, now is the time to act! 🏡 ...
09/16/2025

Mortgage Rates Just Hit a 12-Month Low!
If you're sitting in the 7%-8% range or event high 6%, now is the time to act!

🏡 Refinances are on the rise, and for good reason — lower rates mean real savings.
💸 Don’t wait — rates can change in the blink of an eye.

Call me, message me or click the link in bio to see how much you could save.
Let’s make your mortgage work for you, not against you.



http://citywidehm.com/shawnaverrett

Dreaming of that luxury home with all the space, style, and comfort you deserve? A Jumbo Loan could be your key to unloc...
08/18/2025

Dreaming of that luxury home with all the space, style, and comfort you deserve? A Jumbo Loan could be your key to unlocking it!

Whether you're a first-time buyer or upgrading to your forever home, I’m here to help you navigate the process with confidence and ease.
Message me to learn how you can qualify 210-317-3071



http://citywidehm.com/shawnaverrett

Think a higher interest rate is a bad thing? Not always—and here’s why it might actually be your smartest move:? Less bu...
07/22/2025

Think a higher interest rate is a bad thing? Not always—and here’s why it might actually be your smartest move:

? Less buyer competition = better deals
? More homes to choose from = less stress
? Refinance later = future flexibility
? Start building equity now = long-term wins

The truth is, waiting for the “perfect rate” could mean missing the perfect home. Smart buyers know it’s about strategy—not just numbers.

I’m here to guide you through it all, step-by-step. Whether you’re buying now or just exploring, let’s chat!

Tag a friend who’s house hunting or share this with someone who needs a little mortgage wisdom!



http://citywidehm.com/shawnaverrett

Both need a little patience, the right environment, and someone who knows how to nurture them.Just like your favorite fi...
07/22/2025

Both need a little patience, the right environment, and someone who knows how to nurture them.

Just like your favorite fiddle leaf fig, a home loan might seem intimidating at first—but with the right care (and the right loan officer- ME 😉), it can thrive.

Whether you're a first-time buyer or just need a little repotting advice (financially speaking), I'm here to help you grow into your next chapter.

Let’s make your homeownership journey as rewarding as watching that new leaf unfurl. 💚

Message me anytime—I'm here to help you bloom!



http://citywidehm.com/shawnaverrett

Ready to Unlock the Door to Your Dream Home? Whether you're a first-time buyer or looking for your next perfect place, I...
06/30/2025

Ready to Unlock the Door to Your Dream Home?

Whether you're a first-time buyer or looking for your next perfect place, I’m here to make the journey smooth, stress-free, and successful.

✅ Get pre-approved fast
✅ Understand what you qualify for
✅ Find the perfect loan for your lifestyle
✅ Move into your dream home with confidence

I’ll guide you every step of the way — from paperwork to keys in hand. Let’s turn your homeownership dreams into reality!

Message me to get started or click the link in bio to apply now!



http://citywidehm.com/shawnaverrett

June is National Homeownership Month — and as we wrap up the final days, we’re celebrating all the amazing homeowners ou...
06/23/2025

June is National Homeownership Month — and as we wrap up the final days, we’re celebrating all the amazing homeowners out there!

Not a homeowner yet? That’s totally okay — we celebrate the journey every month, not just in June.

Thinking about buying?
✅ Are you prequalified?
✅ Do you have a strategy?

If not, let’s talk. Whether you're just getting started or ready to make a move, I’m here to help guide you every step of the way.

Message me or drop a comment below — your dream home might be closer than you think!



http://citywidehm.com/shawnaverrett

What Impacts Your Mortgage Rate? Let’s Break It Down! Your mortgage rate isn’t just a number—it’s a reflection of you an...
06/19/2025

What Impacts Your Mortgage Rate? Let’s Break It Down!

Your mortgage rate isn’t just a number—it’s a reflection of you and your loan strategy. Whether you're buying your first home or helping a client close, here are the 3 key factors that shape your rate:

1?? Credit Score – Higher score = lower rate. It’s that simple.
2?? Loan Type – Conventional, Jumbo, FHA, VA, USDA, … each comes with different rate structures.
3?? Loan Term – 15-year vs. 30-year? Shorter terms often mean lower rates (but higher monthly payments).

Here’s the good news: You don’t have to figure this out alone. I’m here to walk you through your options, explain what works best for your goals, and help you lock in the best rate possible.

Comment "Rate" or tag a friend who’s thinking about buying and I will give you a FREE guide that helps my clients win in this market.



http://citywidehm.com/shawnaverrett

Let’s Get You There! Thinking about buying a home but feeling stuck on the fence? You’re not alone—and you don’t have to...
06/18/2025

Let’s Get You There!

Thinking about buying a home but feeling stuck on the fence? You’re not alone—and you don’t have to figure it out alone either.

Whether you’re a first-time buyer or a realtor helping clients navigate the market, I’m here to work for you and with you. My mission? To get you in your new home in under 30 days and make the process smooth, smart, and stress-free.

? Buyers: You don’t need to have it all figured out. Let’s talk strategy, budget, and next steps.
? Agents: Need a lender who communicates, hustles, and gets it done fast? I’ve got your back.

? Pro Tip: Get pre-approved before you start house hunting. It gives you a competitive edge and helps you shop with confidence.

Message me or tag someone who’s ready to make a move. Let’s roll out that welcome mat together!



http://citywidehm.com/shawnaverrett

Curious About Refinancing Your Mortgage? Let’s Talk! Just like your annual physical, your mortgage deserves a yearly che...
06/17/2025

Curious About Refinancing Your Mortgage? Let’s Talk!

Just like your annual physical, your mortgage deserves a yearly check-up too—and I’ll do it for FREE.

Even if your current rate is lower than today’s market, you might be sitting on high-interest debt or simply need to lower your monthly payments. A cash-out refinance or a restructure could free up cash, reduce financial stress, and help you breathe easier each month.

? Consolidate debt
? Lower your monthly expenses
? Tap into your home’s equity
? Get expert advice with no pressure

Message me or click the link in bio to schedule your free mortgage check-up today. Let’s make sure your mortgage is still working for YOU.



http://citywidehm.com/shawnaverrett

Inventory Is Up—But Here’s What That Really Means You’ve probably seen the headlines: “Housing inventory is up over 30% ...
06/16/2025

Inventory Is Up—But Here’s What That Really Means

You’ve probably seen the headlines: “Housing inventory is up over 30% year-over-year!”
But here’s the catch ? We’re still below pre-pandemic levels by about 14%.

So why the big jump in inventory now?

Here’s what’s happening:

During the pandemic, inventory hit historic lows—homes were selling so fast they barely hit the market.
Now, more sellers are listing again, and homes are sitting a bit longer due to higher mortgage rates and affordability challenges.
This creates the illusion of a “surge,” but we’re really just climbing back toward normal.
? Pro Tip for Buyers & Agents?:
This is a golden window—more options, slightly less competition, and motivated sellers. If you’ve been waiting for the right time to buy or help your clients, make a move, this might be it.

Let’s connect if you want to strategize your next move in today’s shifting market!



http://citywidehm.com/shawnaverrett

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