Shane Kimbrough, Senior Loan Officer NMLS #1273429

11/12/2024

What is a Loan Term? 📆

The loan term is the amount of time you have to pay off your mortgage—usually 15, 20, or 30 years. A shorter term means higher monthly payments but less interest over time, while a longer term gives you smaller payments but more interest overall.

Need help finding the right term for you? We’re here to help! 🤝

11/12/2024

For Veterans and active-duty service members, the VA home loan is a powerful benefit designed to make homeownership easier and more affordable. According to an annual survey conducted by the NATIONAL ASSOCIATION OF REALTORS®️ of recent homebuyers, 16% were Veterans and 2% were active-duty service members.

If you’ve served, you’ve earned this benefit! Reach out today to explore how a VA loan can help you achieve your homeownership goals. 🏡

11/11/2024

The Federal Reserve recently cut policy rates by 0.25%—right on target with market expectations. So, what does this mean for mortgage rates? 🏠

The Fed doesn’t directly set mortgage rates, but markets do respond. Mortgage rates had been rising despite the anticipated cut. It’s still too early to predict exactly how rates will respond in the coming weeks.

Thinking of buying a home? Here are 4 things to consider:

1️⃣ Rates may adjust before more Fed moves. Mortgage rates can shift based on anticipated policy changes or other economic news. It’s worth exploring your options now.

2️⃣ Prices could increase with more buyers in the market. A lower rate could bring more competition, driving up home prices. Purchasing now might mean a better price.

3️⃣ Build equity sooner, even at a slightly higher rate. Instead of paying rent, you could be building wealth in a home of your own.

4️⃣ Get pre-approved. Being pre-approved sets you up to act when the timing is right, giving you an edge over other buyers.

Ready to explore your options? Let’s talk! 🏡

11/11/2024

Today, we honor and thank all the brave men and women who have served our country. Your sacrifice and dedication inspire us every day. Happy Veterans Day!

11/08/2024

Investing in a home is investing in your future. Build equity, enjoy tax benefits, and create a stable environment for your family. It’s more than a house; it’s your legacy.

Thinking about buying a home but not sure where to start? I can guide you through the mortgage process step by step. Comment 'HOME' below for more info!

11/07/2024

Knowing your credit card's interest rate can put you in a position to identify money-saving opportunities. Find out how you can use it to your advantage.

11/07/2024

🏡 Ready to make your homeownership dreams a reality? Discover everything you need to know about the home loan closing process in our comprehensive guide! 📑✨

We've simplified each step, so you feel confident and informed every step of the way. Click the link to check it out and take the first step towards your new home!

Check it out now 👇

11/06/2024

Becoming a homeowner for the first time is a huge milestone! Here are some amazing benefits:

Build Equity: Every mortgage payment brings you closer to owning your home outright.
Stability: Enjoy the security of fixed payments and no more rent hikes.
Personalization: Make your space truly yours with renovations and decor.
Tax Benefits: Take advantage of potential tax deductions on mortgage interest and property taxes.
Community: Become part of a neighborhood and build lasting relationships.
Start your journey to homeownership today and invest in your future!

Your new home is closer than you think! Let's discuss the best loan programs for your situation. Click the link in my bio to schedule a free consultation.

11/06/2024

🏡 Ready to make your homeownership dreams come true but worried about your credit score? Don’t let a low score hold you back! 🌟

Visit our resource guide to learn simple, actionable steps to improve your credit score and get on the path to securing your home loan. Whether you’re planning for your first home or looking to upgrade, we’ve got you covered! 📈💪

Check it out now 👇

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11/05/2024

Just closed!! Congratulations Jeannie for closing on your REFI today! Thank you so much for allowing me to be of service in financing your house again! Congratulations on lowering your RATE by wayyyy more than a point!! Thank you once again! Best wishes!!

11/05/2024

What is Amortization? 📅

Amortization is how your mortgage gets paid off over time. Each month, a portion of your payment goes toward interest and the rest pays down your loan (principal). Early on, you pay more interest, but over time, more goes toward owning your home outright!

Want to know more about how amortization works? Let’s chat! 🤝

11/05/2024

Renovation loans allow you to finance essential home upgrades while boosting your property’s value! Enhancing areas like the kitchen, bathroom, or expanding living space not only adds comfort but also increases market appeal. 🏡

With the right improvements, you can enjoy a more inviting home and potentially higher resale value—making this loan a smart investment in your home’s future!

Thinking of adding value and style to your space? Let’s talk renovation loans—reach out for details! 📲✨

11/04/2024

If you’re a first-time homebuyer, you may qualify for additional financial assistance or special home loans. Learn more about first-time homebuyer benefits here.

Many financial aid programs and special home loans exist to help first-time homebuyers afford a home, even if they’ve owned property before. Learn more.

11/01/2024

In September, pending home sales bounced to the highest level since March. All four major regions saw an increase in pending home sales, with the West leading the sales.

Contact me today to learn more about your local housing market, and to start the journey to your happiest way home!

10/31/2024

Wishing you a Happy Halloween from your family at SWBC!

10/31/2024

With an FHA 203(k) loan, you can buy a home AND finance the upgrades you’ve been dreaming about—from kitchen remodels to a new roof and more. 🏡🔑

3.5% down payment and flexible credit options mean homeownership is closer than you think! Ready to explore your options?

10/30/2024

Did you know some mortgage loan products will allow you to use gifted funds from a relative or friend to help cover your down payment?

Homeownership is a big step, but it doesn’t have to be overwhelming. I’m here to make the mortgage process simple and stress-free. Let’s chat!

10/30/2024

Thinking about buying a home that needs some work? With an FHA 203(k) loan, you can finance both the purchase and renovations in one simple loan! Low down payment, flexible credit requirements, and the chance to customize your home from the start.

Don’t wait—make your dream home a reality today! ✨