David Richards, SWBC Mortgage

David Richards, Senior Loan Officer NMLS# 217292

Operating as usual

If you currently have a VA Loan, you may be able to save thousands of dollars by getting a lower rate with the VA's refinance program known as the Interest Rate Reduction Refinance Loan (IRRRL). Contact me today to learn more.

Five Star Professional

Congratulations are in order! David Richards has the prestigious honor of being named a 2020 Five Star Mortgage Professional! Leave a comment congratulating this award winner! Visit www.swbcmortgage.com/davidrichards to learn more about David Richards!

blog.swbc.com

If You're Thinking About Refinancing Your Mortgage, Ask Yourself These Questions

The #refi market is hot, hot, hot! Here are 7 questions to ask yourself to help you determine it's a smart financial move to #refinance your home.

blog.swbc.com While we can't predict the future, you should make an educated guess as to how long you intend to own your home before you decide to refinance.

Celebrate the new year with Conforming Loan Limits increasing to $510,400 for 2020! Contact me today to learn more about what this could mean for you.

newslink.mba.org

Brian Stoffers, CMB, Sworn in as 2020 MBA Chairman; Susan Stewart Sworn in as Chairman-Elect, Kristy Fercho as Vice Chairman - MBA Newslink

We couldn't be more proud of our very own CEO, Susan Stewart, sworn in as the 2020 Chairman-Elect of the Mortgage Bankers Association! Susan currently serves as a member of the MBA’s Board of Directors, sits on MBA’s Residential Board of Governors and is on the board of the MBA Opens Doors Foundation. Congratulations, Susan! #MBAAnnual2019

newslink.mba.org AUSTIN, TEXAS--Brian Stoffers, CMB, Global President of Debt & Structured Finance with CBRE, Houston was sworn in yesterday as 2020 Chairman of the Mortgage Bankers Association here during the association’s 2019 Annual Convention & Expo.

housebeautiful.com

Over Gallery Walls? Try a Hanging Plate Wall

Got plates? Create an interesting work of art with a Plate Wall. Here is an easy how-to tutorial on this unique decor concept.

housebeautiful.com Here's how to get one of your own.

Want to set your Thanksgiving table in a new home? Call me today and start the process to close this month.

housebeautiful.com

Over Gallery Walls? Try a Hanging Plate Wall

Got plates? Create an interesting work of art with a Plate Wall. Here is an easy how-to tutorial on this unique decor concept.

housebeautiful.com Here's how to get one of your own.

travelandleisure.com

This Is the Best Time to Book Your Holiday Flights for 2019, According to Experts

It's hard to think about the holidays in the waning days of summer, but consider getting your November and December airfare now.

travelandleisure.com Looking for a cheap flight home for the holidays? Here's when to book, and common travel mistakes to avoid.

apartmenttherapy.com

5 Easy Ways Anyone Can Get Closer to a Perfect Credit Score

You don't need a 'perfect' credit score to purchase a home. Learn the simple ways to improve your score—whether you plan to look for a home soon or in the future.

apartmenttherapy.com There are no “hacks” per se when it comes to reaching a perfect credit score, but there are habits you can start now that will pay off over time

smokymountains.com

2019 Fall Prediction Map

Even with a month of summer left on the calendar, it's never too early to plan a fall leaf-peeping weekend. Here is a new interactive U.S. map that uses historical data and forecasts so you can plan a trip to catch peak foliage.

smokymountains.com When will the leaves start changing? When will they peak? Our Nationwide 2019 Fall Foliage Map and leaf prediction tool has answers and progressive county-level predictions.

cntraveler.com

The Cruise Ship That Could Preserve the Galapagos Islands

Even if it may sound counter-intuitive, here's a novel approach to helping one of the world's most important ecosystems.

cntraveler.com Quasar Expeditions' new M/Y Conservation will offer a blueprint for preserving the area's fragile ecosystem—as well as the tourism on which it depends.

forbes.com

Yes, You Can Still Find Cheap Labor Day Getaways For 2019. Here's How.

It's not too late to book last minute travel for Labor Day. Read more about finding the best travel deals for one more summer fling.

forbes.com Labor Day 2019 is almost here but with some insider tips you can still snag cheap flights and hotels for the holiday weekend.

travelandleisure.com

The Most Affordable Destinations for a Fall Getaway (Video)

Do you have any vacation time leftover from summer? Consider these reasonable, off-the-beaten-path Top 20 cities for a perfect fall weekend.

travelandleisure.com Fall brings colorful leaves and mild temperatures that make exploring the outdoors all the more ideal, with America hosting a range of cities and stops to enjoy autumn festivities and take in scenic foliage views.

bustle.com

These Are The Most Popular Travel Destinations So Far In 2019, According To Travel Booking Sites

Here is a surprising list of this year's most popular vacation destinations, according to the big five travel websites. As summer winds down in September, expect the crowds to thin out—perfect if you're considering a late summer getaway (airfares are also traditionally lower after Labor Day, too).

bustle.com With summer in full swing, you may still have vacation time to use, but you’re not sure where to go. Or you may be back from your trip and ready to plan your next one. While friends and enticing Instagram posts may persuade you to go to places like…

usatoday.com

The 15 ultimate summer road trips

Looking to take one more summer road trip before fall arrives? Here are some great ideas for scenic driving vacations that are over 300 miles. And you can always customize these plans without having to drive an entire itinerary.

usatoday.com Summer road trips: The 15 ultimate excursions

swbc.com

2019 Woman of Influence: Susan Stewart

Congratulations to SWBC Mortgage's CEO Susan Stewart, who was recently named a 'Women of Influence' by HousingWire! Her selection to this elite list of 50 women influencers within the housing economy signifies that Susan is among a select group of leaders who inspires those in their own companies, in their communities, and in the industry at large.

swbc.com Susan Stewart, SWBC Mortgage Corporation's CEO, has been named one of HousingWire's 2019 Women of Influence. Click here to read the full article on housingwire.com!

shawshanktrail.com

25th Anniversary 2019 - Shawshank Trail

If you're flipping around TV channels, it's hard not to stop and watch a few minutes of this incredibly popular cult film. The Shawshank Redemption turns 25 this summer. If you're traveling near Northern Ohio—where the movie was shot including at the eponymous prison—be sure to check out the special events this August honoring this beloved film, now officially preserved in the Library of Congress.

shawshanktrail.com Shawshank 25th Anniversary Get busy living and join fans from around the world for The Shawshank Redemption 25th Anniversary celebration with events, tours, and celebrity appearances, August 16-18, 2019. View the anniversary weekend activities at the filming sites*, see which cast members are attend...

realtor.com

Home Buyers Reveal: 'What I Wish I Had Known Before Buying My First Home'

A lender can make or break a deal, so choose wisely...just one of several pieces of essential advice that first-time (or any) homebuyers should consider.

realtor.com We asked some first-time home buyers who've gone through the wringer to share what they wish they'd known earlier.

travelandleisure.com

The Best Places to Travel in August

Planning a final trip before the kids go back to school? Here is a short list of the best places to visit in August.

travelandleisure.com If turning the calendar page to August reminds you that summer is fleeting, give some thought to these destinations or come up with travel ideas of your own. A late summer getaway will make September’s arrival a bit easier to accept.

afar.com

8 Easy Ways to Lessen Your Impact as a Traveler

Learn how to become more eco-friendly by leaving your vacation destination in a better condition than when you arrived.

afar.com Eight easy ways to live a zero-waste lifestyle while you’re traveling the globe.

money.com

These Are the 8 Best Beaches to Visit this Summer, Based on Activities, Hotel Costs, and Airfare

Everyone has an opinion when it comes to their favorite beach. But consider all the travel, lifestyle, and cost factors, and the list may be surprising. Read more on this summer's best picks by the experts.

money.com Did your favorite make the cut?

consumerreports.org

Avoid Sneaky Hotel Fees on Your Next Vacation

Nothing can ruin a great vacation like getting a final hotel bill crammed with excessive 'resort' and other fees. Read more on how to avoid being surprised at checkout.

consumerreports.org Many travelers book rooms only to find that they are hit with unexpected hotel fees. Consumer Reports explains how to avoid them.

curiosity.com

When It Comes to Sunscreen, the SPF Isn't as Crucial as You Think

Don't let a horrible sunburn ruin your summer travel and vacation. Start by learning the ABC's of SPF. You might be surprised to learn that when it comes to sun protection, too much of a good thing may be meaningless.

curiosity.com Buying sunscreen can be a daunting process. Should you get SPF 15 or SPF 70? Spray or lotion? Broad-spectrum, or the fun one that changes colors when it ...

uproxx.com

A Compendium Of Anthony Bourdain’s Best Travel And Food Advice

Hard to believe that Anthony Bourdain is no longer traveling the world in search of unique cultures and cuisines, but he left behind a treasure trove of advice on how to truly be an intrepid traveler. Read more on what made him so special, and what we can all learn from his life.

uproxx.com Celebrate #BourdainDay with a collection of wisdom from the man who taught us all how to travel and eat with open minds.

texasmonthly.com

The Best Texas Restaurants in Every City

Texas isn't just home to SWBC Mortgage's headquarters—the Lone Star State has endless vacation possibilities! From the Hill Country and the Gulf Coast to Big Bend National Park and the city vibes of Dallas, Houston, Austin, and San Antonio, it's a road trip paradise. If you get hungry along the way, here's the definitive list of the best eats from across the state.

texasmonthly.com We've compiled our favorites from the past three years into one handy article.

usatoday.com

Traveling this summer? 5 ways to save money and nab last-minute flight deals

Learn the secrets to saving money on last-minute air travel this summer—or any time of year.

usatoday.com Flight maps and social media accounts can help you get a good price on airline tickets, even if you’re flying at the last minute.

cntraveler.com

The 10 Most Beautiful Lighthouses Around the Country

Not sure where summer travel may take you this year? You may find yourself near one of the nation's iconic lighthouses, many of which are not in New England.

cntraveler.com Boaters have sought out these beacons of light for centuries, but they're just as striking from land.

afar.com

10 Best Places to Travel in July

We kick off our Summer Travel 2019 series with a look at the hot vacation spots for July.

afar.com Looking to go on holiday this July? Dance your way through São Paulo, lace up your hiking boots in Brisbane, or meander through the local markets in Santa Fe.

Have your eye on purchasing a fixer upper? Give me a call today to discuss the many flexible renovation loans to help rebuild your dream home!

housebeautiful.com

An Interior Designer's Secret to Redecorating Your Home With What You Already Have

Are you looking to redecorate? No need to look too far! Here are some tips on how to use what you already have in your #home.

housebeautiful.com Budget and earth-friendly style lessons on tap.

forbes.com

6 Ways To Get Your Home Ready For A Spring Sale

Are you planning to put your #home on the market this spring? Here are 6 tips to prepare!

forbes.com If you are planning to sell your home in the spring, here's what you should be doing in the winter to ensure a successful sale.

time.com

These Are the Best Ways to Improve Your Memory

Worried about forgetting things? It's more common than you think at any age, especially given our modern-day screen addiction. Learn how to improve your memory with these simple behavior changes.

time.com Try giving your brain a break from life’s constant stream of diversions

Thank you Sol !!

Another smooth closing with the best loan officer out there, Mr. Dave Richards

nar.realtor

Single Females Remain a Force in Market, While First-time Buyers Continue to Struggle, According to Realtor® 2018 Buyer and Seller Survey

The National Association of Realtors issued their 2018 Profile of Buyers and Sellers, and there are many interesting trends this year. Single female buyers are second only to married couples currently purchasing homes, while the median age of repeat homebuyers continues to rise. And, the impact of having pets continues to be a major deciding factor, while 91% of homebuyers used a real estate agent—an all time high even with the rise of online services as the for-sale-by-owner model fell to a record low.

nar.realtor Single female buyers continue to be a powerful force in the market, while low inventory, rising interest rates and increasing home prices remain, holding back first-time buyers despite notable interest in buying a home.

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