Texas Home Lending News

 
 
I hope this helps you find a home!

Here’s a new addition for your home buying toolbox: a quick way to estimate a total monthly housing payment and the income needed to qualify.

Just bookmark this payment and qualification calculator link and make a quick visit while you’re looking at homes. I hope you’ll feel more comfortable knowing what you’ll likely pay each month and whether the loan may work for your particular situation.

Give it a try now!

SEE YOUR PAYMENT
 
 





Shawn Smith
MLO/Broker | NMLS # 863501

(214) 396-3650 | Mobile: (817) 706-8619
shawn@sublimefinancial.com

www.sublimefinancial.com
Sublime Financial, LLC
14785 Preston Rd Dallas TX 75254


NMLS # 1134044
Posted by Shawn Smith NMLS#863501 on March 25th, 2022 12:03 PM
 
 
How much could you save, Jason?
If you’re wondering how a refinance of your mortgage might affect your monthly payment, take a look at our Refinance Calculator . You simply plug in numbers for your current and desired loans, and we’ll calculate the difference in your payment, the months it will take you to break even on your costs, and even the rate of return on your costs.

I encourage you to play around with it. Then, if you want to discuss your specific scenario, click the button on the website to let me know.

If you think any of your friends, co-workers or family members would benefit from the refinance calculator, please feel free to forward it along. I’ll be happy to help them.

Thank you for your business and for your referrals.
CALCULATE YOUR SAVINGS
 
 





Shawn Smith
MLO/Broker | NMLS # 863501

(214) 396-3650 | Mobile: (817) 706-8619
shawn@sublimefinancial.com

www.sublimefinancial.com
Sublime Financial, LLC
14785 Preston Rd Dallas TX 75254


NMLS # 1134044
Posted by Shawn Smith NMLS#863501 on March 24th, 2022 9:48 AM
 
 
Flip calculator for new investors.
When you invest in real estate so you can renovate and resell a property, many factors beyond the initial price and eventual sales price determine how much you might expect to profit.

Here’s an easy calculator to help you make an informed offer on a property you may want to flip. Use it to tabulate your expected expenses, including some you may not have considered. It will help you estimate an expected return on your investment, too.

I hope you find this tool helpful, Jason. If you have questions about the calculator or financing real estate investments in general, please reach out over your preferred channel. I’ll be glad to help.
PROPERTY FLIP CALCULATOR
 
 





Shawn Smith
MLO/Broker | NMLS # 863501

(214) 396-3650 | Mobile: (817) 706-8619
shawn@sublimefinancial.com

www.sublimefinancial.com
Sublime Financial, LLC
14785 Preston Rd Dallas TX 75254


NMLS # 1134044
Posted by Shawn Smith NMLS#863501 on March 15th, 2022 11:25 AM
Wondering how much principal and interest you pay?
Many of my clients want to learn how their monthly payments break down and how their loan balance and interest costs will decline over time.

Follow the link to an easy tool where you can find the answers. You can even choose to print a schedule so you can track your balance with each monthly payment.

Helping you understand your loan payments is just one of many services I can provide to make financing and owning your home easy. Please reach out with any questions, and I'll be happy to help.
Check Your Balance Now
 








Shawn Smith
MLO/Broker | NMLS # 863501

(214) 396-3650 | Mobile: (817) 706-8619
shawn@sublimefinancial.com

www.sublimefinancial.com
Sublime Financial, LLC
14785 Preston Rd Dallas TX 75254


NMLS # 1134044
Posted by Shawn Smith NMLS#863501 on March 11th, 2022 4:21 PM
 
 
Get down to the basics!
The largest portion of a monthly mortgage payment typically is the amount that pays back and covers the cost of your loan—the principal and interest payment.

Use this simple Principal & Interest Calculator to play around with different loan amounts, terms, and rates. It’s easy to see how changes to either will affect your monthly cost.

Remember, the typical monthly mortgage payment also includes real estate taxes and insurance. Depending on your down payment amount and loan type, you may also pay mortgage insurance. Sometimes, condo/co-op or homeowners association fees are required, too.

While this calculator is a good place to start, I hope we’ll talk further before you begin your home search. We would be happy to verify the necessary information to be able to provide you with a pre-approval that can give you a big leg up on competitors when making an offer on a home.

If you have questions about home financing, please reach out. I’m here to help!
PRINCIPAL & INTEREST CALCULATOR
 
 





Shawn Smith
MLO/Broker | NMLS # 863501

(214) 396-3650 | Mobile: (817) 706-8619
shawn@sublimefinancial.com

www.sublimefinancial.com
Sublime Financial, LLC
14785 Preston Rd Dallas TX 75254


NMLS # 1134044
Posted by Shawn Smith NMLS#863501 on March 11th, 2022 4:21 PM
 
 
How much will you really pay for your home?
When choosing your home, it’s helpful to consider the monthly cost of ownership rather than the price on the sales contract.

Newly constructed homes often carry a higher purchase price than similar older homes. But the lower energy, maintenance and repair costs compared to an older home may make living there less expensive.

Here’s some information on the benefits of new construction and some handy comparison tools, too.

How much do you want to spend to live in your next home?

Questions? Please reach out over your preferred channel. I’ll be glad to assist.
COMPARE NOW
 
 





Shawn Smith
MLO/Broker | NMLS # 863501

(214) 396-3650 | Mobile: (817) 706-8619
shawn@sublimefinancial.com

www.sublimefinancial.com
Sublime Financial, LLC
14785 Preston Rd Dallas TX 75254


NMLS # 1134044
Posted by Shawn Smith NMLS#863501 on March 9th, 2022 2:53 PM

Getting the keys to your first home is an exciting goal. Use our quick game to discover four keys of preparation that may assure a smooth transaction.

  

The more you learn about the home buying process before you get started, the better you may feel about taking this step. Please reach out to me anytime you have questions. I'll be happy to help.






Shawn Smith
MLO/Broker | NMLS # 863501

(214) 396-3650 | Mobile: (817) 706-8619
shawn@sublimefinancial.com

www.sublimefinancial.com
Sublime Financial, LLC
14785 Preston Rd Dallas TX 75254





NMLS # 1134044
Posted by Shawn Smith NMLS#863501 on March 9th, 2022 10:09 AM
 
How's your mortgage feeling today?
Interest rates and the mortgage markets can change quickly, so it makes sense to monitor your loan against current conditions regularly. With just a few clicks, you can compare your existing loan to today's sample rates. We update it every weekday, so you can come back and perform your own diagnostic any time.
CHECK YOUR MORTGAGE
I welcome the opportunity to discuss your loan's results or to assist you in any way with your home financing needs. Also, if you have friends, co-workers or family members who would like to receive their own mortgage checkup, please refer them my way. It will be my honor to help.

 
 





Shawn Smith
MLO/Broker | NMLS # 863501

(214) 396-3650 | Mobile: (817) 706-8619
shawn@sublimefinancial.com

www.sublimefinancial.com
Sublime Financial, LLC
14785 Preston Rd Dallas TX 75254




NMLS # 1134044
Posted by Shawn Smith NMLS#863501 on March 8th, 2022 3:11 PM

Your new home will likely be a place where you invest your time—with your loved ones, on your hobbies and even on yourself.

If you're like most people, your home will also represent a significant investment of your money.

How will that investment grow over time? No one knows for certain, of course, but based on historical trends, we can make some guesses.

Over the last 50 years, annual growth in home values has averaged about 5% nationally. Let this nifty calculator show you what that rate of increase could mean for you. You can even adjust the numbers to make your own predictions. 



Please let me know if I can assist you in any way.






Shawn Smith
MLO/Broker | NMLS # 863501

(214) 396-3650 | Mobile: (817) 706-8619
shawn@sublimefinancial.com

www.sublimefinancial.com
Sublime Financial, LLC
14785 Preston Rd Dallas TX 75254





NMLS # 1134044
Posted by Shawn Smith NMLS#863501 on March 8th, 2022 9:20 AM
 
 
Ready for a different kind of neighborhood tour?
Let us show you some things you don’t see every day—the underlying factors that can impact your home’s value, from recent sales to school zones to the typical commute.

Thank you for allowing me to send information related to your home and home financing. If I can help you in any way, please reach out.
CHECK OUT YOUR AREA
 
 





Shawn Smith
MLO/Broker | NMLS # 863501

(214) 396-3650 | Mobile: (817) 706-8619
shawn@sublimefinancial.com

www.sublimefinancial.com
Sublime Financial, LLC
14785 Preston Rd Dallas TX 75254


NMLS # 1134044
Posted by Shawn Smith NMLS#863501 on March 8th, 2022 9:19 AM

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