TJ Gladwin - SWBC Mortgage - NMLS 1204610

Have you ever considered what size gutters you need for your home? Roof size, pitch, and maximum local rainfall determine your appropriate gutter size. Here’s how to calculate it.

Gutter and Downspout Sizes: Our Ultimate Guide Roof size, pitch, and maximum local rainfall determine your appropriate gutter size. Here’s how to calculate it.

Mortgage rates continue to move lower this week. Check out this article to learn more about the current market and what economists are predicting for the future.

Contact me today to learn more about your loan options!

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Email: [email protected]

Mortgage rates continue their descent - HousingWire Mortgage rates continue to move lower this week even as higher borrowing costs have kept activity subdued across many areas of housing.

HELOCs and HELOANs can offer borrowers lower interest rates than credit cards, and give the ability to tap home equity without impacting a low rate first mortgage. A great option to consolidate debt or make big purchases!

Your home isn’t just where you live; it’s a powerful financial asset. A home equity product can help you make the most of it! 🏡

Contact us today to learn more!

Direct/Cell : 612-730-6867
Email: [email protected]

Homeowners and homebuyers can be targets of scammers, that's one of many reasons why it's important to always work with trusted professionals.

My team is experienced and knowledgable to look out for red flags, and have connections to real estate agents who you can feel confident working with. Let our team stand by your side and guide you through the process - give us a call today!

Direct/Cell : 612-730-6867
Email: [email protected]

Own a home or trying to buy or sell one? Watch out for these scams From fake real estate listings to phony liens, criminals target homeowners and those buying or selling.

What does it mean for the housing market if/when mortgage rates finally do come down? Check out this article and reach out with any questions!

If you are interested in getting fully preapproved to be ready for an upcoming home purchase, please reach out to me for a quick chat.

Direct/Cell : 612-730-6867
Email: [email protected]

What happens to the housing market when mortgage rates finally come down? - HousingWire The bond market rallied and mortgage rates took a notable dip below 7%. Are we past peak mortgage rates? How will the housing market react?

Understanding your mortgage payment is key to managing your finances! Did you know it’s made up of four parts? Principal, Interest, Taxes, and Insurance (PITI) work together to shape your monthly payment.

Despite financial challenges, younger generations are becoming homeowners at a increased rate compared to older generations. If you're interested in buying a home and would like to learn about how homeownership can be achievable for you, give me a call today!

(612)-730-6867

Younger Generations Are Owning Homes at Increased Rate Despite Financial Concerns Although younger Americans express concerns about the financial challenges associated with owning a home, that hasn't stopped them from becoming homeowners at an increased rate compared to older generations.

Are we shifting to a buyer’s market? Last month we saw more homes selling under asking price than we have previously, indicating the market might be starting to move to the buyer’s favor.

We’ll keep an eye on the market and keep you updated on any changes! As always, feel free to reach out with any questions!

Homes are selling below list price. That's bad for sellers, good for buyers The housing market has been brutal for potential buyers in recent months. In recent weeks, though, the market has loosened – for buyers, at least.

Want to learn more about USDA Loans? Contact us today!

Direct/Cell: 612-730-6867
Email: [email protected]

Our team can help you with either!

We have loan options specific to a range of home types, from renovation loans to new construction loans.

Let's chat about your homebuying goals and the best way to get you through the door! Reach out for a free and quick home consultation.

Direct/Cell: 612-730-6867
Email: [email protected]

Great news for homebuyers! 📈🏡 Increased inventory levels are helping to put mortgage rates in a better position for 2024, making it a perfect time to find your dream home!

Let's connect and chat about your home financing goals today!

612-730-6867
[email protected]

The housing market is better positioned for lower mortgage rates - HousingWire Halfway through the year, active inventory in the U.S. is growing..This is precisely what the doctor ordered for the housing market.

Want to learn more about USDA Loans? Contact us today!

612-730-6867
[email protected]

Want to learn more about USDA Loans? Contact us today!

"The average rate on the 30-year fixed-rate mortgage fell to 6.84% in the week ending June 13, according to rates provided to NerdWallet by Zillow, a decrease of five basis points from the previous week."

Read more in the article below and reach out with any questions!

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Mortgage Rates This Week - NerdWallet Mortgage rates increased in the week ending June 27 as we continue through a quietly simmering summer.

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!

Direct / Cell: 612-730-6867
Email: [email protected]

Are you dreaming of owning a home but worried about high mortgage rates? A temporary buydown might be just what you need! 🏡 This program 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!

Direct / Cell: 612-730-6867
Email: [email protected]

On the fence about purchasing a home? This week might be the right time! Mortgage rates have taken a dip and we're unsure how long it will last.

Give me a call and we can run the numbers on your unique homebuying scenario to see if current rates fit your goals!

Direct / Cell: 612-730-6867
Email: [email protected]

Buying a home? 4 big reasons to lock in a mortgage rate this week If you're planning to buy a home, it could make sense to lock in your rate soon. Here's why.

Ease into your mortgage payments with a temporary buydown!

A buydown is a financial strategy where a borrower or a third party pays upfront fees to reduce the interest rate on a mortgage in those first crucial years of homeownership.

Want to buy a home, but worried about high interest rates? This could be a solution! Give me a call today to map out a unique buydown schedule scenario for you!

Direct / Cell: 612-730-6867
Email: [email protected]

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

Whether savings for a down payment on a home, or a current homeowner looking to create a nest egg for emergency home repairs - check out these 7 tips for building an emergency fund! 💰

Saving Strategies: 7 Tips For Building Your Personal Emergency Fund A personal emergency fund is a stash of easily accessible cash that you should set aside to cover unexpected expenses.

June is National Homeownership Month! This is an opportunity to raise awareness about the benefits of owning a home and the importance of making homeownership more attainable for all Americans. Read the recent proclamation on National Homeownership Month for 2024 from President Joe Biden.

A Proclamation on National Homeownership Month, 2024 | The White House Owning a home is about more than putting a roof over your family’s head — it is part of the American Dream. For generations, it has been a pathway to the middle class, an opportunity to build community and to pass down wealth to your children. But too many Americans today still struggle to buy.....

Did you make home energy improvements to your home? Make sure to get your tax credit this tax season!

There are other tax credits you may be eligible for as a homeowner. I can refer you to a local, knowledgeable tax specialist to help you maximize your benefits.

Big Savings At Tax Time: Claim Those Home Energy Improvement Credits I can’t recall a time in which the tax code has been so generous to home owners who have made energy improvements.

If you're in the market for a home, this article helps to explain the new rules regarding the recent Burnett vs. NAR lawsuit, and how to navigate these changes as you embark on your homebuying journey.

Advice for Working With a Home Buyer’s Agent This Spring - NerdWallet This summer may bring a shakeup in how home buyers work with their real estate agents. Here is what buyers will be asked to do between now and August.

Americans continue to update their homes. Check out how much they're spending, what projects they choosing, and how many are staying on budget in the article below.

Interested in renovations to your home and want to tap into your home's equity? Give me a call and we can discuss your options!

Direct / Cell: 612-730-6867
Email: [email protected]



*Refinancing an existing loan may result in higher total finance charges over the life of the loan. Debt consolidation does not pay off debt and may result in a higher long-term expense.

Home Renovation Statistics and Trends: Our 2024 Report Americans continue to update their homes, but home renovation statistics indicate a lull into early 2025. See which reno projects will give you the best ROI.

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!

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!