Southwest Funding - Brian Thomas

Established in 1993, Southwest Funding, LP is a Direct Endorsement HUD approved mortgage banker with over 70 locations nationwide. BBB Rating A+

All views expressed on this fan page and on third party websites to which posts here may refer are personal and do not reflect those of Southwest Funding, LP or its affiliates. While fan page/site administrators make every effort to present information in the most accurate manner possible, neither Southwest Funding nor its page administrators make any warranties regarding the information presented here. Certain limitations apply to any/all programs mentioned. Southwest funding, LP is an equal housing lender. Programs, rate and terms are subject to change without notice. Interest rates may vary and are also subject to credit, income and property approval based on market and underwriting guidelines. Other rates and terms are available. Contact us for details. Consult your accountant about tax deductions. This is not a commitment to lend or extend credit. Individual NMLS ID 161785 Branch NMLS ID 904026

First-Time Home Buyer Mistake:

Not knowing the limits of a home inspection.

Attend the inspections and pay close attention. Don’t be afraid to ask the inspector to take a look or a closer look at something.

First-Time Home Buyer Mistake:

Passing up the chance to negotiate.

A lot can be negotiated in the home buying process, which can result in major savings. Talk with your Loan Originator/Officer.

First-Time Home Buyer Mistake:

Buying a home for today and not tomorrow.

It’s easy to meet your current needs, but what about your future needs? Consider expansion that can be grown into.

First-Time Home Buyer Mistake:

Not saving enough for after move-in expenses!

After down payment and closing costs, you will still need furnishings, appliances, rugs, and etc.

Research state and local assistance programs. Many states offer these for first time home buyers with perks such as down payment assistance, closing cost assistance, tax credits, and discounted interest rates.

Never be afraid to explore your down payment and mortgage options. Ask questions!

Home Buying Tip Of The Day:

Save for a down payment

The cost of a down payment plus the closing cost is no pocket change that’s just sitting around. Plan accordingly and save ahead of time so that you’re not caught by surprise.

Home Buying Tip Of The Day:

Avoid changing jobs…

Lenders look very closely at your employment history. Changing jobs midway through makes you appear unstable. Lenders want to make sure that you have a stable source of income.

Credit scores don’t heal themselves over time.

Pay off your debts
Keep balances low on credit cards
Properly manage other forms of credit

Watch your credit score increase!

Only apply for credit when NEEDED!

Don’t open accounts simply for the sake of a better credit mix because it probably won’t help your score.

Your credit can be harmed in two way: (1) Creating hard inquiries on your credit report. (2) Tempting you to overspend

Top credit tip of all time…

PAY YOUR BILLS ON TIME!

It’s the simplest tip yet the most common mistake. Lenders are extremely interested in how reliably you pay your bills.

Your past payment performance is a pretty accurate indicator for your future performance.

Credit can be a tricky topic for some to understand. More so, how to increase their score or maintain good credit. Here’s a quick post to breakdown how scores are calculated.

You have three credit reports that collectively help determine your capacity and responsibility.

The model for all three reports are really similar. They take into account your payment history on loans and credit cards, how much credit you regularly use, how long your credit accounts have been open, the types of accounts you have, and how often you apply for new credit.

Happy President's Day!

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We wish you a very Happy Holiday season and a peaceful and prosperous New Year!

Happy Thanksgiving! Have a safe and wonderful holiday weekend.

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Have a safe and happy Labor Day!

Have a safe and happy Independence Day!

Happy Memorial Day!

To all of our amazing super moms out there,

Have a Happy Easter!

Happy St. Patrick's Day!

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Happy MLK Day!

Merry Christmas and happy holidays!

We hope everyone of you have a happy and safe Thanksgiving!

We're forever grateful for those that serve our country in the armed forces!

Happy Columbus Day!

Happy Labor Day! Enjoy your day with family and friends!

Happy 4th of July everyone!

Wishing all the super dads out there a happy Father's Day!

Happy Memorial Day!

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Location

Telephone

Address


5865 Ridgeway Center Parkway, Suite 300- Unit 355
Memphis, TN
38120
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