Tim Good with RW Towne Mortgage

Rising costs don't have to stop you from achieving homeownership. 🏡 We're excited to announce a new grant program in partnership with the Federal Home Loan Bank of Atlanta! Eligible families can receive up to $10,000 to help with down payment and closing costs on their primary residence purchase. 🤝

Here's why this program is a game-changer:

🔥 Open to middle-income families: This program caters to a wider range of homebuyers (earning 80.01%-120% Area Median Income).

🔥 No first-time homebuyer requirement: Whether you're a first-time buyer or looking to move up, this grant can help!

🔥 Flexible use of funds: Put the grant towards your down payment or closing costs, whichever best suits your needs.

🔥 Available to homebuyers in AL, DC, FL, GA, MD, NC, SC, VA

Ready to learn more or see if you qualify? Contact a loan officer today!

Exciting news for aspiring homeowners! 📣

Qualified HomePossible® and HomeReady® borrowers are now eligible to receive a $2,500 credit to help ease the burden of down payments, closing costs, escrow, and mortgage insurance premiums. 🎉

With down payments as low as 3% and no first-time buyer requirement, owning a home IS possible! 🏡

Don't miss out on this incredible opportunity starting March 1, 2024. Reach out to a loan officer near you to determine your eligibility and start on your path to ownership. 🤝

Today we honor the life and legacy of Dr. Martin Luther King, Jr.

61 years ago, Martin Luther King, Jr. delivered his "I Have a Dream" speech, which shaped the foundation of the civil rights movement and equality in America. At RW Towne Mortgage, we believe that equal opportunities for homeownership would not have been possible without the impact made by Dr. King.

“The time is always right to do what is right.” - Dr. Martin Luther King, Jr.

Today we honor the U.S. Navy on its 248th birthday! 🎂🎉 Throughout its remarkable journey, the U.S. Navy has served as a symbol of strength, courage, and commitment. Thank you to all those who have served or are currently serving. 🇺🇸⚓️

Happy Labor Day! Today, we celebrate the hard work that built this great nation. As you enjoy your day off, remember that we're here to work for you when it comes to your mortgage needs. Relax, you've earned it! Contact us to get started.

Today the U.S. Coast Guard celebrates its 233rd birthday! 🎉

The Coast Guard was founded in 1790 to enforce trade and tariff laws, prevent smuggling and protect the collection of federal revenue. We thank the Coast Guard for another year of service.

📣 Exciting news! 📣

We are now offering Debt Service Coverage Ratio (DSCR) loans for investment properties! 🏡🎉 Under this loan program, you can secure funding for your investment properties based on their cash flow potential rather than relying on income alone. Additional guidelines and restrictions apply – some products are not available in West Virginia. Take your real estate investments to new heights and contact one of our loan officers today!

📣 Great news for homebuyers! 📣

The Freddie Mac BorrowSmart® Program provides qualified low- and moderate-income borrowers with up to $1,500 in down payment and closing cost assistance. If you’re considering purchasing a home, now is the time to start the conversation. 🏡😁

Contact us today to get started! 🤝💙

🇺🇸 Wishing everyone a happy and safe Independence Day! 🇺🇸

National Homeownership Month is a great time to recognize the countless benefits that come with being a homeowner. Check out these on how to build equity with homeownership! 🏡

Looking to buy a home but need a JUMP START? Eligible home buyers can now receive 100% financing in the form of a 10-year repayable second mortgage. The best part? There’s no first-time homebuyer requirement or household income limits and JUMP START has flexible credit guidelines – meaning you could still qualify for 100% financing with less than perfect credit. Ready to learn more? Contact one of our loan officers today! Additional restrictions and guidelines apply.

Today we celebrate Father's Day; a day full of corny dad jokes, heartfelt memories, tough love, and so much more. Here's to all the father figures who have been in our lives!

“When the going gets tough, the tough get disciplined, organized and follow a plan.” National Mortgage Professional Magazine recently recognized Bill Weakley on their list of Leading Loan Officers in 2023 for their hard work over the last year.

We are so proud of your accomplishments and are fortunate to celebrate this achievement with you! Congratulations!

The deadline to submit your tax return for 2022 is in ONE WEEK! Did you know that you can use your tax refund to invest in your homeownership dreams? Whether you are currently a homeowner or looking to become one, contact a member of our team to learn how your tax refund can help you achieve your home goals!

It's National Volunteer Month and we are so proud to have a team dedicated to giving back to the community. In 2022, TowneBank Mortgage and our Family of Companies and Affiliates accumulated over 8,047 recorded service hours... and counting! These hours total nearly a full year of in volunteer service efforts.

As , we are passionate to make it our mission to give back as much as possible. We are proud to be part of a team that cares about giving back to a larger purpose.

On the hunt for the perfect home? Let us help you hop through the mortgage process! 🏡🐇

Prepare yourself by knowing exactly how much you can afford to spend on your home by getting pre-qualified with a local lender. If you haven't already, enlist a trusted real estate agent to help you seek out homes within your budget that fit your wants and needs, rather than relying on online searches. Lastly, keep your eyes on the prize, and you'll find your golden egg before you know it!

Ever wonder why you receive so many unsolicited credit offers after your credit is pulled?🤔 The credit reporting companies (Equifax, Experian, Innovis and TransUnion) are allowed to include your name on lists used by creditors or insurers to make Firm Offers of credit under the Federal Credit Reporting Act (FCRA). FCRA grants you the right to “opt-out”, preventing the consumer credit reporting companies from sharing credit file information. You can opt-out at https://brev.is/7ERdJ.

We 🚫DO NOT🚫 provide your name and phone number to these competitors. We simply pull your credit from the three major bureaus as part of our mortgage process.

𝐈𝐟 𝐲𝐨𝐮 𝐝𝐨 𝐧𝐨𝐭 𝐰𝐚𝐧𝐭 𝐲𝐨𝐮𝐫 𝐢𝐧𝐟𝐨𝐫𝐦𝐚𝐭𝐢𝐨𝐧 𝐬𝐡𝐚𝐫𝐞𝐝, 𝐰𝐡𝐞𝐧 𝐬𝐡𝐨𝐮𝐥𝐝 𝐲𝐨𝐮 𝐨𝐩𝐭 𝐨𝐮𝐭?

Opt-out requests become effective within five days of the request. This means that you should complete the opt-out at least five days prior to having your credit pulled, which often happens immediately after application.

If you have any questions concerning pre-screen offers or how to opt-out, a member of our team would be happy to help you today!

Our Extended Rate Lock Program will give you peace of mind, knowing you're protected against potential rate increases in an unpredictable market. We offer extended rate locks up to 255 days on fixed-rate Conventional Conforming loans, meaning you'll experience no rate increase for 255 days. Give our team a call to learn more!

Happy St. Patrick's Day!
We are so lucky to call ourselves !🍀

“May love and laughter light your days and warm your heart and home.
May good and faithful friends be yours wherever you may roam.
May peace and plenty bless your world with joy that long endures.
May all life’s passing seasons bring the best to you and yours.”

Happy International Women's Day!

We are incredibly grateful for the amazing women on the TowneBank Mortgage Family of Companies Team who help us serve our greater purpose-making homeownership possible for more families in our community. We are proud to celebrate women today and every day!

📢 Huge news for first-time buyers! 📢 The Federal Housing Administration (FHA) announced a 30-basis point reduction to their annual mortgage insurance premiums (annual MIP). This reduction will benefit an estimated 850,000 homebuyers over the coming year, helping them to save an average of $800 annually on their mortgage payments. In addition to providing overall savings to borrowers, a lower annual MIP can also help more people qualify for a mortgage. FHA loans are a wonderful option for first-time buyers, offering competitive interest rates, a low down payment requirement, and flexible credit guidelines.

Great news for military and veteran buyers! The VA has announced they’re decreasing the funding fee for loans closing on or after April 7, 2023, and prior to November 14, 2031. This exciting change will help to lower eligible buyers’ monthly payments when using a VA home loan. Contact a member of our team for more information!

Happy Valentine's Day 🥰❤️

We love serving as your local lender. With a lending footprint in 18 states, we are proud to provide excellent service to help with any financing needs for the home of your dreams.

Today marks the start of the Lunar New Year and the year of the Rabbit, the symbol of longevity, peace and prosperity. This new year is predicted to bring both hope and success, which we wish for everyone in 2023! 🐇

Today we honor the life and legacy of Dr. Martin Luther King, Jr.

60 years ago, Martin Luther King, Jr. delivered his "I Have a Dream" speech, which shaped the foundation of the civil rights movement and equality in America.

At Advance Financial Group, we believe that equal opportunities for homeownership would not have been possible without the impact made by Dr. King. “The time is always right to do what is right.” - Dr. Martin Luther King, Jr.

🔥 Great news for buyers looking for affordable housing! The FHLB announced they’re increasing grant funds for 2023. Funds are available starting February 21, 2023, and will be provided to qualified buyers on a first-come, first-served basis, so it’s important to start the conversation now. Contact a member of our team today for more information!

➡️ https://advancefinancialgroup.com/officers/

Happy New Year!🥳🎉
We wish everyone a happy, healthy and extraordinary 2023!

Congratulations, Tim Lee!

As the year comes to a close, we are excited to share that Tim has joined our 2022 Chairman's Club!

We are so proud of Tim and all his hard work this year!

We are excited to share that Patrick Avery has joined the 2022 Chairman's Club!

We are so proud of Patrick and everything that he has done this year! Congratulations, Patrick!