Joshua Mance - Mortgage Loan Officer - NMLS 2541104

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Joshua Mance - Mortgage Loan Officer - NMLS 2541104

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Joshua Mance, NMLS 2541104
🏠 Mortgage Loan Officer
📝 Sun West Mortgage Company, Inc, NMLS 3277

10/31/2026

👻 Halloween is a great excuse to enjoy the lighter side of life. 🎃

Wishing everyone a fun and memorable Halloween! 🕸️✨

10/29/2026

🎃Is it a haunted house or a home with hidden potential?

Not every outdated kitchen or unfinished basement is a red flag.

👉 Read our latest blog for 8 things to look for when touring a home so you can see beyond the first impression. swmc.com/blog/homebuying/haunted-house-or-hidden-potential-8-things-to-look-for-when-touring-a-home-749/

Ask Angel® and GET HOME. 🏡

10/27/2026

🏡 Building a home can involve a lot of moving parts.

A Single Close Construction Loan combines the lot purchase, construction financing, and permanent mortgage into one closing. 🔨🏠

📞 Call me to learn more!

On an FHA 30-year fixed rate purchase with loan amount $392,755 (at 96.5% Loan-to-Value [LTV] with 3.5% down payment and FICO 720), at an interest rate 8.5% with $11,056 discount points (Annual Percentage Rate: 9.698%), you will be required to make 360 equal monthly payments of $3,019.95 (which includes principal and interest only, so your actual payment, including taxes, insurance, and other property charges, will be higher). The rates are effective as of 07/09/2026 08:53 a.m. PT and may be subject to change without notice.

10/26/2026

🏡 3 in 5 U.S. homes sold below their original asking price in August 2026.

That shift gives buyers more opportunities to negotiate as market conditions evolve. 💡

📞 Call me to learn more.

Source: Redfin

10/22/2026

🤖 What separates real AI innovation from the hype?

💡 Pavan Agarwal shares his perspective on AI accuracy, human connection, and what it takes to build AI that delivers real-world results.

👉 Read the full blog: swmc.com/blog/technology/beyond-the-buzzword-what-real-ai-looks-like-in-2026-744/

🧠 Ask Angel® and UNDERSTAND AI.

10/19/2026

Homeownership can build a valuable financial foundation over time. 🏡

In Q2 2026, 41.1% of mortgaged residential properties were considered equity-rich.

📞 Ready to start building your homeownership journey? Call me to learn more.

Source: ATTOM

10/17/2026

🏡 What if you could get a clearer picture of a home’s value?

AngelAi’s Property Estimate provides quick, address-based home value estimates to help you evaluate properties and make more informed decisions. 📊🤖

✨ Ask Angel® and GET PROPERTY ESTIMATE.

AngelAi

10/15/2026

💰 Your mortgage rate can make a difference in what you pay over the life of your loan.

AngelAi® can help you explore mortgage options and estimated rates based on your credit profile, so you can better understand what may be available to you.

👉 Read the full blog: swmc.com/blog/mortgage101/how-are-mortgage-rates-determined-739

Ask Angel® and GET YOUR RATE OPTIONS.

10/14/2026

🏡 Homeownership may be closer than you think!

✨ EQUO Down Payment Assistance offers eligible buyers up to 5% toward down payment or closing costs, with flexible credit requirements.

📞 Call me to learn more!

On an EQUO DPA FHA REPAYABLE 5%, 30-year fixed rate purchase with loan amount $392,755 [at 96.5% Loan-to-Value (LTV) with 3.5% down payment (refer below note) and FICO 720], at an interest rate 6.875% with $102 discount points (Annual Percentage Rate: 7.674%), you will be required to make 360 equal monthly payments of $2,580.12 (which includes principal and interest only, so your actual payment, including taxes, insurance, and other property charges, will be higher).
Note: 3.5% down payment and part of closing costs will be in the form of a “EQUO DPA 2ND REPAYABLE 5%” second lien of loan amount $20,000, which is 5% of the purchase price, is a 10-year term, 8.875% interest rate (Annual percentage rate: 8.879%), you will be required to make 120 equal monthly payments of $252. All EQUO DPA programs require 1% origination fee paid to Sun West. The rates are effective as of 07/15/2026 09:55 a.m. PT and subject to change without prior notice.

10/13/2026

🏡 Homebuying can feel easier when you have the right options and guidance.

Sun West combines a wide range of mortgage solutions with technology designed to make the journey more informed and manageable. ✨

📞 Call me to learn more today.

Address

Tampa, FL

Telephone

+19548335677

Website

https://joshuamance.sunwestmortgage.com/

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