Linda Komm, SWBC Mortgage

When it comes to financing your new home, you have options! With a 1-1 Buydown, you get a 30-year fixed interest rate, but your first and second year payments are based on a 1% rate discount. Even better, the cost for the program is paid by the seller, builder, or lender. This allows you to ease into your mortgage payments 🏡

This is just one of the many ways that we can help make buying your new dream home a reality. Contact us today to learn more!

Grab your sunglasses and flip flops, it’s time to enjoy the heat of the summer! 😎🩴

We are thrilled to announce that we have been named a 2023 Top Overall Lender by Scotsman Guide! 🏆 A huge thank you to our incredible team and clients for making this achievement possible.

Flexible financing options for investors 🏡 💰

Ask me how our debt-service-coverage ratio (DSCR) loan can help you qualify for a loan based on your property’s expected rental income, allowing you to secure financing that fits your unique financial situation and goals!

A USDA home loan might be your ticket to making it a reality! Here's why:

1️⃣ No Down Payment Required: That's right! USDA loans offer 100% financing, making it easier to buy a home without a hefty down payment.

2️⃣ Low Interest Rates: Enjoy competitive interest rates with a USDA loan, saving you money over the life of your mortgage.

3️⃣ Flexible Credit Requirements: Don't let less-than-perfect credit hold you back. USDA loans often have more flexible credit score requirements.

4️⃣ Rural and Suburban Eligibility: USDA loans are available in eligible rural and suburban areas, opening up more possibilities for your dream home.

Ready to explore your options? Let's chat about how a USDA loan can help you achieve your homeownership goals!

Today we honor the brave heroes who made the ultimate sacrifice for our freedom.

Double the ceremonies! Double the celebrations!! Congratulations to this dynamic due on graduating together. It is a remarkable achievement and I am incredibly proud of you both. Your journey as twins has been filled with shared adventures and mutual support strengthening through every milestone and now you have completed another landmark event side by side. As you step into your new beginnings, may your passion for financial services guide you to great success and fulfillment. Wishing you both a future filled with endless opportunities and continued closeness!

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. Give me a call at (512) 531-1807 or download the ebook here https://swbc.me/YourFirstHome

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

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

Hey everyone! I'm thrilled to share some fantastic news with you – we just closed on an absolutely stunning home for a repeat client of mine! I'd like to thank them for putting their trust in me once again. Here's to new beginnings and creating beautiful memories in your new home!

We've been named one of the Top 50 Mortgage Companies in America for 2023 by Mortgage Executive Magazine! 🌟🏆

This recognition is a testament to our commitment to excellence and serving our clients with the best possible mortgage experience. Thank you to our amazing team for making this possible! 🙌

Wondering what factors impact the amount you can borrow for your dream home? 🏡 Here are some key considerations:

1️⃣ Income and Employment History: Lenders typically look for stable income and employment history.

2️⃣ Credit Score: A higher credit score can lead to a better loan amount and interest rate.

3️⃣ Debt-to-Income Ratio (DTI): Lenders consider your DTI to ensure you can manage mortgage payments alongside other debts.

4️⃣ Down Payment: A larger down payment can lower your monthly payments and increase the amount you can borrow.

Understanding these factors can help you prepare for the homebuying process. Need more info? Let's chat! 📈🏠

We’ve now had back-to-back weeks of housing inventory growth, making spring 2024 a much healthier housing market than spring 2023!

Read more in the article and let me know if you have any questions.

Spring housing market gets more inventory - HousingWire We’ve now had back-to-back weeks of healthy housing inventory growth, making spring 2024 much healthier than spring 2023.

Another dream home closed and funded for our client, who recently moved back to Austin from out of state to be closer to family. Located in the perfect neighborhood, this stunning residence is now hers to call home. Congratulations, on this milestone!

Ready to make your homeownership dreams a reality? Contact me today!

Here are some tips on what to do/avoid when considering taking on a home mortgage in the next 6-12 months. I can help you prepare now, to help give yourself the best chance of approval in the future.

Let's schedule a time to talk through your personal financial situation, your goals and the steps you can take to help get where you want to be.

5 things to avoid if you’re applying for a mortgage (and 3 things you definitely need to do) It's best to avoid big changes to your finances if you're applying for a mortgage in the next 12 months.

Thrilled to announce the closing of this stunning downtown Austin condo, finalized in just around 20 days and a week ahead of schedule! Grateful for the opportunity to assist my client with this mortgage loan, we wish him endless happiness and success in his new home. Here's to new beginnings and the adventures that lie ahead!

Grateful to stand between my son Marshall, a survivor of post COVID simultaneous double strokes and Charlie Amato, Chairman of the Board of SWBC, at the Lonestar Paralysis Foundation Gala. Marshall’s journey of recovery has been nothing short of miraculous. Along with Charlie and the entire SWBC family’s unwavering support of the LoneStar Paralysis Foundation; Marshall and I have witnessed the transformative work of the foundation, offering hope and assistance to countless families like ours. Thank you Charlie, SWBC, and to the Foundation for hosting such an incredible event. Here’s to resilience, friendship, and the profound impact of community support.

Fifteen years, numerous homes, and assistance extended to multiple family members—what a journey it has been with this amazing repeat client of mine. I couldn't be more happy for them as they start a new chapter in this beautiful home. Working together once more has been an absolute pleasure!

Austin lands on Zillow list of best cities for first-time homebuyers. Texas' capital ranked #5 among the top 10 U.S. cities for buying a first home.

Austin nests on Zillow list of best cities for first-time homebuyers It's not easy to buy a home anywhere, but folks in Austin are doing way better than average, according to Zillow. Texas' capital ranked No. 5 among the top 10 U.S. cities for buying a first home.

Finding the perfect home in today’s competitive market can be difficult. Renovation financing offers a compelling solution for first-time homebuyers, providing an avenue to purchase properties that may need some TLC 🛠️

Renovation home loans:
- Open up more options in markets where inventory is low and home prices are high
- Combine the purchase price and the cost of renovation into one loan
- Can help you find a house in an area that you love and renovate it to match your tastes without immediate out-of-pocket expenses
- Allows you to enter the market with confidence, flexibility, and the potential for long-term appreciation

Mortgage analysts are predicting around 6% or below by Q1 2025: "Rates hit 8% towards the end of last year, and right now we are seeing rates closer to 6.875%," says Haymore. "By the first quarter of 2025, mortgage rates could potentially fall below the 6% threshold, or maybe even lower."

Read more about mortgage predictions for the remainder of this year into Q1 in the article below and let me know if you have any questions!

How far will mortgage rates fall when the Fed cuts rates? Here's what experts say Here's where some experts think mortgage interest rates could be headed in the next year.

Navigate seller concessions like a pro with our handy chart! Whether you're considering a conventional, FHA, VA, or USDA loan, understanding seller concessions can make a big difference in your homebuying journey. Check out our comprehensive chart to see how much sellers can contribute towards your closing costs, helping you save money upfront.

Ready to unlock the door to your dream home? Let's explore your options together!

Check out these top ten features rumored to help your home sell for more than expected. Surprisingly, many are found outside the home! 🏡

These 10 Features Can Help Sell Your Home For More Money, Zillow Finds Discover which indoor and outdoor features can command higher prices from home buyers.

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!