Sean Duncan NMLS ID: 496895

Families are our passion and helping them achieve their dream of home ownership is our reward. Making a stressful transition such as buying a new home as seamless as possible.

We have earned a reputation as a mortgage company who can get loans done that other companies have not been able to.

Operating as usual

Sean Duncan NMLS ID: 496895's cover photo

So rates are at all time lows right now, but be careful. This is an estimate from a big name company that one client got quoted.. notice the 29k in points.

We'll not only get you the best rates but well do it at little to no cost to you.

Industry News: Chase just announced that they are no longer doing mortgages with less than 20% down payment or under a 700 credit score. That being said, we are still doing loans down to 620 on conventional loans with as little as 3% down and down to 580 credit with as little as 3.5% down on FHA loans, and of course VA and USDA loans still at $0 down. Call me today at 210-827-8748.

[03/25/20]   Mortgage Update:

Today has been a very busy day in lending world related to the COVID 19 outbreak.

• MORTGAGE RATES: The big news...the Fed announced this morning that they will purchase as much US debt as necessary to stabilize the economy. This will include buying lots of mortgage debt, which should help keep mortgage rates low for some time.

• PAYMENT DEFERMENT: Fannie Mae and Freddie Mac plans to initiate a mortgage forbearance program allowing some borrowers relief of up to 12 months of mortgage payments. The plan will reduce, or delay payments, and will depend on the borrower's loss of income during the COVID 19 outbreak. Important to note that this does not eliminate the debt payments. It only defers them. Borrowers should continue to make their usual payments until granted the relief. This plan will not affect the borrower’s credit. Do not stop making payments!! For more information, contact your current servicer.

• APPRAISALS: Fannie and Freddie are changing the requirements for physical inspections for some appraisals. If an appraiser cannot go inside the home, for any reason, they will allow desktop and exterior-only appraisals on primary residence purchases and second homes/investment purchases with 15% down or more.

• VERIFICATION OF EMPLOYMENT: Fannie Mae and Freddie Mac came out with guidelines today that allow for more flexibility and alternatives in verifying employment for customers whose workplaces are temporarily closed. They also allowed for some flexibility for those on leave but did caution lenders to use their best judgement when making loan decisions to ensure the borrower clearly has the ability to repay the loan.

• CONGRESS STIMULUS AND RELIEF BILL: Congress is currently in a stalemate over the administration's proposed stimulus plan. Democrats don’t believe it has enough direct funding for relief of workers. Some economists have said it’s also not substantial enough, despite being over $1 trillion. Although it’s expect they will find common ground very soon, maybe even later today, this debate will continue to affect markets.

• NON QM AND JUMBO LOANS: Due to extreme market volatility, most Non QM and, even some jumbo lenders, have suspended all loan applications, locks, closings and funding's at this time. Non QM loans are non-traditional loans like bank statement loans, no doc investment loans and some other asset based loans. These loans are not backed by Fannie Mae and Freddie Mac, nor the government, so loan investors have pulled the plug, or substantially raised the rates, out of economic uncertainty.

****IMPORTANT: During the mortgage meltdown of 2008, loan guidelines changed nearly every day, for months, as loan investors tried to get their arms around the crisis. We are in a similar place. What’s true today could be untrue tomorrow. I’ll do my best to update you with the most current info as I get it and confirm it****

Stay healthy!!

Please feel free to share with others or use for your own customer updates!

npr.org

U.S. Orders Up To A Yearlong Break On Mortgage Payments

Seeing a reduced income or loss of job? Call your mortgage servicer. There can be help. Read the article below.

npr.org The federal government is telling lenders to lower or suspend mortgage payments for up to 12 months for homeowners who have lost income due to the coronavirus outbreak.

Thanks to our Veterans!

VA Benefits

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To all my realtor peeps and clients out there. Share this with anyone you know who is looking at using a builder's lender. Really great info.

Having fun in our selling to the affluent class today. We actually got booked to capacity so we are having to schedule another one.

What is Mortgage Insurance and how does it work?

Avoiding mortgage insurance. Take a look.

This Video explains what mortgage insurance is and how it works. It also offers different variations or options to avoid the mortgage insurance premium.

Refinance Comparison if Free but could save you big

hanging at the office helping our clients today!

Sean Duncan NMLS ID: 496895

[07/01/19]   just got this text from a client closing today. Made me feel so great about my job. "Hi Sean, thank you so much for everything you did to help me. I did it, thanks to you 🙏"

Thanks to Anna Medina Mission Realty getting this deal turned around. She found a title company that could resolve our issue and let us close. Thanks Anna for not giving up.

This family and this agent had it together. Everytime we needed something they were on top of it. If you want to close fast that's what you do. Great job to Mirian Escobar real estate agent for all her help!

Just go another quick cleared to close!

eventbrite.com

Buyer Programs and Buyer Incentives

Come join us on the 24th and learn how to make buying a home a cinch. Plus all attendees receive $1000 closing costs voucher! Buyers only, no realtors please.

eventbrite.com This Class will focus on the aspects of buying and learning how to take advantage of all the benefits that are available to help home buyers such as down payment help, credit help, and incentives currently offered.

Just got some recognition by our processing team

[03/06/19]   All my agents out there - can anyone help me call and follow up with some leads please?

New home owner! Love helping families achieve the American dream.

listreports.com

26907 Rockwood Park Ln, Cypress TX 77433 - OPEN HOUSE

Open house coming right up! Check out this fabulous home in Cypress! Come see it this Saturday from 11-2pm

listreports.com Learn more about 26907 Rockwood Park Ln, Cypress TX 77433. This home is priced at $329,900, with 3 beds, 2 baths, and…

[02/25/19]   So we are helping close loans for builders now because our rates are so low and their preferred lenders pmt is too high

Closing # 18 at our new company and went great! Thank you Chris Bisha for referring your awesome clients! It was a pleasure as always.

Sean Duncan NMLS ID: 496895's cover photo

Sean Duncan NMLS ID: 496895's cover photo

Sean Duncan NMLS ID: 496895's cover photo

Love this. If you're thinking of buying. Call us first. First time Home buyer programs, Dr programs, first responders, teachers, so many programs to name.

To all my borrowers and agents out there. Fannie Mae is changing the parameters of their automated underwriting system to be more conservative. If its been a while since you have gotten pre-approved, you may want to have them update their approval to avoid any clients looking like this during their loan process.

[12/04/18]   Why buy right now? Because crazy it's the end of the year and house prices are low! Buy low sell high.

To all my partners out there I want to say thank you. Without you we could not make it! If we have helped a family together you are now in my extended family! If we have helped more than one family you are now in my immediate family. What does family do? we got your back - we look out for you - protect you - and we believe in you! now lets go get another family to help, lol

[09/28/18]   2 closings today! 1 buyer got a refund at closing and one put 5% and did not pay PMI. 210-827-8748

[08/15/18]   For all my Real Estate Peeps

Everyone!!

For a limited time we have FHA loans at 3.75%

TDHCA My First Texas Home - Limited Funds
BOND - UNASSISTED (No DPA / No MCC)
GOVERNMENT - FHA, VA, USDA

As of this morning, $6,290,078 of the $28,799,000 has been reserved.

Money is going fast!!

Reach out to me for information
[email protected]
210-827-8748

Income limits apply..

Check this new program out! This is awesome

WOW - check your rate options! Look into buying them down right now.

Open house day!

Sean Duncan NMLS ID: 496895's cover photo

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Thanks to our Veterans!
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Refinance Comparison if Free but could save you big

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13105 Northwest Freeway, Ste 100
Houston, TX
77040
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