Alex Holmes, SWBC Mortgage

Alex Holmes, Loan Officer NMLS# 1262755 Licensed in Georgia- #62965

10 Strategies to Survive Staying With Family Over the Holidays

Plan to stay with relatives (or hosting them) during the holidays this year? Don't let your 'Holiday Vacation' turn into a nightmare. Learn some helpful tips for surviving family lodging. Here’s how to survive everything from the dreaded air mattress to a lack of privacy during an extended stay with relatives this holiday season.

SWBC Mortgage provides more ways to purchase your dream home with HomeReady®. With only 3% down and lower monthly payments from reduced mortgage insurance costs, this program is available for both first-time and repeat homebuyers. Call me today to learn more about HomeReady®.

Protect Your Home During the Holidays with These 5 Tips | SafeWise

The holidays are an exciting team of the year, but it's important to remain safe and cautious of scrooges trying to ruin your cheer. Here are five simple tips from an independent review site, SafeWise, to secure your home. The holidays can be the most wonderful time of the year, as long as you stay safe during them. Be sure to take these precautions & enjoy the season!

Wishing you a warm and wonderful #holiday season!

Take Advantage of Off-Season Home Buying

The off-season can actually be a great time to buy a home. Find out some of the perks on our blog! With the right mindset and professionals guiding you along the way, the off-season could be a great time to buy!

How Leaders Inspire Innovation

Frustrated with trying to foster a culture of innovation in your workplace? Read more on how to cultivate innovation at your organization. The way to inspire innovation within an organization is with clarity and conviction of a vision.

The Biggest Changes Coming in 2020 Real Estate—and What Buyers and Sellers Need to Do

Where are the housing and mortgage markets headed next year?'s economists present a comprehensive forecast in a new report. At a time when millennials are reaching key life milestones, the U.S. housing market will continue to slow in 2020 as inventory reaches historic lows.

New year, new home? FHA limits are changing throughout the country for 2020, and in many areas, these will increase. Call me today to find out the specific limits for your county.

Happy #Thanksgiving! What are you most thankful for this year?

Refinance Dos and Don’ts 4 of 4: DO provide all documentation when asked. DON’T change your job.

The Definitive Mr. Rogers Profile: 'Can You Say...Hero?'

The film A Beautiful Day in the Neighborhood opens November 22. It's based on a true story of how a skeptical journalist begrudgingly accepts an assignment to profile TV host Mr. 'Fred' Rogers, portrayed by Tom Hanks, in yet another role drawing acclaim for the celebrated actor. Getting to know Rogers profoundly changed the reporter's perspective on life. Read the original story from Esquire Magazine that inspired the screenplay for the film. #ABeautifulDayInTheNeighborhood #esquire Fred Rogers has been doing the same small good thing for a very long time...

Refinance Dos and Don’ts 3 of 4: DO keep your incoming paystubs and bank statements on hand. DON’T make a deposit without documenting.

Today, we thank all the people who served and those that are currently serving our country! We salute you this #veterans’ day!

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 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.

Refinance Dos and Don’ts 2 of 4: DO make your house presentable for the appraiser. DON’T begin any home improvement projects.

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. 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.

Just a friendly reminder:

SWBC Mortgage is now offering Freddie Mac’s BorrowSmart℠ Program for down-payment and closing-cost assistance of up to $2,500! You may qualify for a lower interest rate, and there’s no requirement to repay the assistance grant! Call today to learn more about Freddie Mac's BorrowSmart℠!

Have a happy and safe #Halloween - Don't be afraid of the dark!

Refinance Dos and Don’ts 1 of 4: DO keep making your payments. DON’T apply for new lines of credit.

NAR: Three-quarters of buyers found their homes on their phones - HousingWire

Today, we do just about everything on our smartphones. This includes finding our next homes, as the latest research states 75% of today's buyers are now finding properties in the palm of their hand. About three-quarters of buyers reported finding their homes using their phone, according to a report from the National Association of Realtors. Mobile-phone use differed by generations: about 80% of Millennials, meaning younger than 38 years old, began their search on their phone, while 78% of Gen X...

This airline is letting passengers know if their seat is near a baby

Traveling with children can be unpredictable, but one airline believes they might have the solution to help make traveling easier on parents, young children, and other passengers on board. An icon on the seat map indicates children who are between 8 days and 2 years old.

Are you an existing or newly licensed medical professional or student? From no-PMI to high-limit loan options, SWBC Mortgage’s Physician Loan Program may be the perfect fit for you. Contact me today to learn more.

Waco's power couple to turn former Grand Karem Shrine building into hotel

Could this be the first 'Magnolia' branded hotel? Chip and Joanna Gaines to tackle their first lodging fixer-upper in Waco (of course). #magnolia Magnolia-brand moguls Chip and Joanna Gaines will partner with Chicago-based Adventurous Journeys Capital Partners to transform the Grand Karem Shrine building downtown into a hotel featuring a rooftop terrace, a

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. 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.

Dog ownership linked to longer life in two new American Heart Association studies

In case you need even more evidence, here is yet another study that demonstrates the significant health benefits of being a dog owner. Dog lovers can take heart from two new studies about the possible health benefits

It would be a 'treat' to close before the end of October. Call me today to start the process.

School's back, so drive with care...everywhere! And text or talk later, too. #backtoschool

Older millennials are driving home prices higher again

What's driving housing prices? Millennials. They may have waited longer to become homeowners, but millennials are now creating significant market demand. In fact, new research found that over 25% of the nation’s largest generation is currently interested in buying a home in the next 12 months. Read more on this market trend and its impact on housing prices and inventory. They may have waited longer than previous generations, but millennials are showing a strong desire to become homeowners, especially older millennials. That is strengthening demand for the limited supply of homes for sale, and consequently reigniting the fire under home prices.

4 Times You Should Consider Refinancing Your Home

Ever thought of refinancing your home? Here are a few examples of times you should consider a refinance. Should you refinance your home? Carefully review your financial situation and speak to an experienced loan officer before you take action.

Made in USA: Bringing manufacturing jobs back to the homeland

From local cotton farms and yarn mills to the final clothing assembly floor, learn more about the start-up that's bringing garment manufacturing (and jobs) back to America.

Today about 3% of clothing bought in this country was made here, so sportswear company American Giant is rebuilding a supply chain infrastructure to fashion a home-grown apparel line

10 Secrets No One Tells You That'll Help Your House Fetch Top Dollar

Want to get the best possible price when selling your home? From installing an amazing mailbox to under-market pricing strategies, learn more about the best tips to maximize the sale of your property. Many people follow the same playbook when putting their home on the market. Here's some advice that's out of the ordinary.

Let us pause in remembrance of those that lost their lives on 9/11. #NeverForget

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. 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

Today we celebrate all the sweet #grandparents in our lives.

Celebrate a job well done with family and friends this Labor Day! How do you celebrate #laborday?

The Top 10 Flood Markets

Do you know what U.S. states have the highest risk of flooding? Floods are the number one natural disaster in the United States. Learn which states have the most homes in the highest flood risk zones

40 Before-and-After Curb Appeal Makeovers

Need ideas to spruce up your #CurbAppeal? Check out these home's stunning transformation. See how HGTV's all-star designers, architects, landscapers and contractors turn neighborhood eyesores into real showstoppers.

The 'Fixer Upper' Curse: Why Chip and Joanna Gaines Homes Can Be Hard to Sell

Thinking about flipping a fixer upper? Consider your all-in costs and eventual sales price if you want to quickly move a remodeled home. Find out why more expensive fixer uppers can be hard to sell, even if the renovation was completed by a famous celebrity team. You'd think the "Faceless Bunker" house, featured on HGTV's "Fixer Upper," wouldn't have a problem selling. But it's sat on the market for more than a year.

Stanford analyzed 292 retirement strategies to determine the best one—here's how it works

Worried about saving for retirement at any age? Read more on a recent scientific study that identifies perhaps the most sound strategy to ensure you don't outlive your savings. To help people figure out when to retire and the best way to withdraw their savings, the Stanford Center on Longevity analyzed 292 different retirement income strategies.

3 Reasons Home Improvement Is The Fastest-Growing Retail Category, And What To Watch For

Find out why home improvement continues to be a roaring retail success, and which factors continue to propel a market that is fast approaching a half-trillion dollars annually. Amid the shuttering of many brick-and-mortar stores and slow growth in retail spending overall, there is one bright star: home improvement.

As Gen Z Comes of Age, Credit Market Activity Shows Significant Growth

Which age group experienced a 112% surge in mortgages? Surprise—it's not millennials—it's Gen Z (individuals born in 1995 and after.) A recent report from Transunion details how the number of Gen Z mortgage holders has doubled in just one year. Gen Z, those individuals born in 1995 or after, increasingly took part in the consumer credit market during the first half of 2019. The newly released Q2 2019 Industry Insights Report from TransUnion (NYSE: TRU) found that growth is coming from the entire Gen Z demographic who are 18 years or older....

Did you hear the news? We’re pleased to share that SWBC Mortgage had its most productive month in our 30-year history in July, and we have our wonderful customers to thank. We helped over 1,500 families secure $425 million in home financing across the United States in July alone. So thanks to all of the homeowners who made SWBC Mortgage their trusted lender of choice!

6 Qualities of a Top-Notch Business Exit Planning Team

For the best chance at exiting your business on your terms, you’ll likely require the services of several advisors in different fields. Learn who should be included in your advisor team, and what qualities they should have. Exit planning is complex. No single advisor possesses the required expertise to create and implement all of the activities required in a typical exit plan.

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3010 South 3rd Street, Suite D
Jacksonville Beach, FL

Opening Hours

Monday 09:00 - 17:00
Tuesday 09:00 - 17:00
Wednesday 09:00 - 17:00
Thursday 09:00 - 17:00
Friday 09:00 - 17:00
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Mortgage Lender

Rick Holmes, SWBC Mortgage Rick Holmes, SWBC Mortgage
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Team Silhan Mortgage Banker - Bank of England Mortgage - NMLS# 704521 Team Silhan Mortgage Banker - Bank of England Mortgage - NMLS# 704521
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At the Bank of England, we take pride in the being there when our borrowers need us, day and night. Our mission is to deliver total value to our customers.

Carlos J. Wilcox - Movement Mortgage, LLC. - NMLS #740525 Carlos J. Wilcox - Movement Mortgage, LLC. - NMLS #740525
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The Verseput Team at Future Home Loans The Verseput Team at Future Home Loans
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EXCELLENT SERVICE and LOW RATES / can have both! NMLS 347843