Fred Wilson, SWBC Mortgage

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

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

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!



*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.

You can feel comfortable and confident with a familiar team servicing your loan. Keeping loans in-house makes it easier to manage your loan and any future financial needs 🏡✨

Looking for a consistent home financing experience? My team is here to help! Give me a call today.

Spring is often the busiest season in the housing market. Historical data shows that the highest prices for sellers are in May, more specifically on May 27th! If your house is currently on the market, we're only 5 days away from seeing if history will repeat itself!

Sellers Get More For Their Home On The Upcoming 'Best Day' In the Housing Market New data from real estate data company ATTOM shows that May is the best month to sell your home, and one day in particular has generated the highest prices.

Warmer weather is here! ☀️ Looking to spruce up your home's exterior with renovations that add to your home's value? Check out these top 3 summer renovations! 🏡🌳🛠️

The 3 best summer renovations to raise your home value Boosting your curb appeal, among other renovations, can help raise your home's value.

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.

The median U.S. home-sale price hit a record $383,725 during the four weeks ending April 21, up 5.2 percent from a year earlier — one of the biggest jumps since October 2022. Read more in the article below and reach out with any questions!



*Information according to a new report from Redfin.

Redfin: Home prices hitting record high The median U.S. home pierce rose 5.2 percent year-over-year in late-April with mortgage rates hitting their highest level since November 2023, according to Redfin. Read on to learn more.

Tappable equity soared to a record $11 trillion in the first quarter of 2024! 📈🏡

Read more in the article below and let’s discuss your options for tapping into your own home’s equity!



*Refinancing an existing loan may result in higher total finance charges over the life of the loan.

U.S. mortgage holders post record levels of home equity: ICE - HousingWire Nationwide equity on mortgaged homes soared to a record $16.9 trillion in the first quarter of 2024, with $11 trillion available for leverage.

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.

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

Tired of losing your house keys? 🏡🔑

Check out these top 6 smart locks for 2024!

Buy one of the 6 best smart locks in 2024 and ditch your house keys forever Discover the best smart locks you can install in your home to better control who comes and goes.

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.

The location of a homebuyer's mom is playing a crucial role in purchasing decisions, according to a new study from Realtor.com. Read more in the article below!

Living close to mom is a major consideration for Americans buying a home A new study from real estate economists at Realtor.com underscores how many U.S. homebuyers are making decisions based off of where their mom lives. It can help them cut costs.

Check out these 3 reasons why buyers may want to pursue a home now that sales are lower. 🏡

Let me know if you have any questions or if you're interested in starting your homebuying journey!

Home sales are down. Here's why buyers should act now. A drop in home sales could prove to be an opportunity for some buyers. Here's why.

Getting ready to sell your home? Avoid these home staging blunders!

Avoid These 10 Home Staging Mistakes When Selling Your Home From leaving dog poo in the backyard to dumping your stuff in the garage, these errors could cost you a sale

Do you love home renovation shows? Amazon Prime has released a new series 'Going Home with Tyler Cameron' starring fan favorite from competition shows: The Bachelor, Special Forces, and The Real Dirty Dancing. 🛠️🏡

Are you interested in renovating your own home? Give me a call and we can talk about financing options to help you achieve your vision.



*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.

‘Going Home with Tyler Cameron’ is out on Amazon Prime. Here’s how to watch docuseries The Amazon Prime show 'Going Home with Tyler Cameron' has arrived with a spotlight on Jupiter, Florida. Here's what to know, how to watch

We cannot stress enough how important it is to work with a mortgage lender when considering a home purchase. Our team's experience and knowledge can help you face a budget blunder! Contact us today to get pre-approved to learn how much home you can comfortably afford based off your unique financial goals and situation. 🏡

Here's Why Going Over Budget to Buy Your Dream Home Is a Move You Might Sorely Regret It's tempting to stretch things financially to buy a home you really love. But read on to see why that's a bad idea.

Spring Housing Forecast: More inventory and rising sales! 🌸📈🏡

With new listing volume last week at 18% more than last year, and total available inventory gradually climbing ~1%/week, an accelerated inventory growth each week is expected in April.

Spring housing market forecast: More inventory and rising sales - HousingWire New listing volume this week is 18% more than a year ago. As we roll into the second quarter, we should have more inventory growth each week.

If you're a homeowner waiting on the sidelines for the perfect time to sell your home, this week could be your time to shine!

Realtor.com report considered number of buyers, listing prices and seasonal factors in the article below. Check it out and let me know if you have any questions!

Real estate data reveals the best time to sell your home in 2024 A Realtor.com report combined multiple factors including price, potential number of buyers and seasonal factors to determine the week of April 14-20 could be the best for home selling.

A veteran food journalist digs into some common conceptions in the kitchen, like salting pasta water and not washing your cast iron pan. What's your take on all of these - do you agree that they're myths or do you stand behind them?

Yes, You Can Wash Cast Iron: 5 Big Kitchen Myths, Debunked A veteran food journalist digs into some common misconceptions about salting pasta water, browning meat and more.

This family got creative with the equity in their home to build a pool in their backyard like they always wanted!

There's a lot of ways to be creative with the equity in your home to finally make the improvements you've been eyeing on Pinterest, and I can help you!

Whether you're interested in updating your current home, or currently in the market to buy, give me a call to discuss your home financing options!



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.

I spent $40,000 on a backyard pool even though it's not a great investment, and it's still the best purchase I've ever made After spending months searching for a home with a pool, Olivia Christensen decided to buy a place under her budget and build her family a pool.

A credit score is a compilation of information about your debt and payment history, converted into a number that helps a lender determine the likelihood that you will repay the loan in a timely manner. It is typically based on your payment history, outstanding obligations, the length of time you have had outstanding credit, the types of credit you use, and the number of recent inquiries from other lenders about your credit history.

Your credit score, along with other factors about the loan and property, is considered as part of the underwriting process and plays a critical role in determining your mortgage qualification.

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.

The cost of hiring a real estate agent to buy or sell a home may soon change. This article discusses how this could impact buyers and sellers.

Like any big change, there will be a lot of questions and concerns. I am here to talk anything through with you - please do not hesitate to reach out!

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Many of us have been waiting to discover how the recent NAR lawsuit would unfold in our industry and how it would impact different parties in the typical real estate transaction. We've just received updates:

- Fannie Mae and Freddie Mac, two government-sponsored enterprises (GSEs) that buy and guarantee mortgages, have just issued notices that if a seller or seller’s real estate agent continues to pay the buyer’s real estate agent commission in accordance with local common and customary practices, then those amounts are not required to be counted towards the IPC limits for the transaction.

- FHA has issued a similar statement indicating that they will not consider the IPC limit as long as the practice of the seller paying these fees remains common practice.

-VA has indicated that they are still evaluating the impact of the NAR settlement agreement and their current policy, which does not allow the buyer/Veteran to pay these fees, remains in place.

I'll keep you updated on any further developments in the coming months. If you have any questions or concerns, feel free to reach out, and we'll be happy to assist.