Stacey Cropsey, SWBC Mortgage

30/03/2023

Exciting news for hopeful homebuyers! We just rolled out a down payment assistance program that makes it easier for buyers to purchase a home - nationwide. Finance your down payment. This is a game changer - DM me for details.

23/02/2023

Are you tired of struggling to afford your dream home? Look no further than the Federal Housing Administration (FHA) and their latest announcement to reduce annual mortgage insurance premiums (MIP). This means that for most homebuyers seeking an FHA-insured mortgage, the MIP will be reduced from 0.85% to 0.55%, resulting in an estimated savings of $800 annually per family. With this reduction, an estimated 850,000 borrowers will benefit over the next year, saving American families an estimated $678 million by the end of 2023 alone! Don't miss out on this opportunity to achieve the American Dream of homeownership - reach out to us today and take the first step towards making your dream home a reality!

03/10/2022

We are pleased to announce that the minimum credit score floor for FHA loans has been reduced from 600 to 580. We do our best to determine the needs of each borrower to recommend ideal financing options. FHA loans provide many benefits for first-time homebuyers, those without large down payments or those with credit challenges. The reduction of the credit score threshold will allow more buyers to realize the dream of homeownership. For more information about FHA loans or any other home loans offered by SWBC Mortgage Corporation, contact me today!

28/09/2022

Refinancing your mortgage can offer a number of benefits, but do you know what the true cost?

It's important to consult your loan officer before you make any decisions about refinancing your mortgage.

23/09/2022

Being part of a military family isn’t all about sacrifice—there are some perks that come with the territory! Here are some tips for service members, veterans, and their families who want to use their VA loan to purchase a home.

This Military Family Appreciation Month, celebrate military family wins with these tips for getting the most value from your VA loan.

20/09/2022

The Federal Housing Agency (FHA) has just increased the amount of money that can be borrowed through its mortgage programs by more than $64,000 for most areas. In higher-cost locations, the limit increase is even greater. New limits will take effect in 2022. If you have questions about what this change could mean for you, please reach out. And, if you have friends who may benefit from the news, please pass it along. We'd be honored to help them, too!

15/09/2022

Your mortgage rate is safe with our Lock & Shop program! Today’s real estate market is extremely competitive, but you shouldn't fear rising interest rates. Our Lock & Shop program allows you to lock in today’s rate with peace of mind while you shop for that perfect home. So don't lose anymore sleep, contact me to lock your rate today! &Shop

13/09/2022

I have BIG news for buyers and homeowners! The Federal Housing Finance Agency (FHFA) typically announces the new conforming loan limits each year around Thanksgiving. This year is no different. However, in anticipation of the increase in the conforming loan limits, we will begin accepting loan applications and closing loans up to $715,000 starting NOW!! Buyers may be able to borrow more money through a conventional, typically lower-rate loan and homeowners looking to refinance their jumbo loan to a lower rate conforming loan have options! Reach out if you, or anyone who know, can take advantage of this higher loan limit!

12/09/2022

In today’s real estate market, a buyer’s offer has to be extremely competitive to get accepted by the seller! Our Certified Pre-Approval Letter gives an edge over the competition because it's fully underwritten pre-approved. Which means that the majority of the underwriting process is complete before the offer is even submitted. Reducing the time to close the loan, with fewer financing conditions than a standard pre-approval. If you want to stand out from the crowd, contact me today for more details! -Approval

15/04/2022

Offering a quick closing is our last tip for homebuyers shopping in a competitive market. Getting to closing quickly is usually an attractive offer for sellers. An increasingly common practice for buyers is to waive an initial appraisal. In this case, if you’re financing the property and you offer more than the eventual appraisal, you, as the buyer, will agree to pay the difference in cash at closing. It can be a valuable move but it's not for all buyers. So contact our branch today to understand this and other tactics that could better help your offer get accepted.