Texas Home Lending News

 
 
How much could you save?
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 21st, 2022 2:08 PM
 
 
Grow your business by helping your clients grow theirs.
You can help your investor clients make an informed offer on rental properties with the Investment Property Calculator . They can tabulate their expected expenses, cash flow and value appreciation to estimate an expected return on their investment.

How can you share this? 

  • Follow the link to copy it and share directly with prospects.
  • Bookmark the link so you'll have it available when talking with investors.
  • Request an embed code from me and put it on your website.

Do you have Spanish speaking clients? A language toggle is easy to spot at the top of the page.

I hope this tool will be useful to you and your buyers. Please let me know if I can help in any way. I'm happy to do so!.

INVESTMENT 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 3:23 PM

Can your closing costs change from your original written Loan Estimate? 

The Loan Estimate document that is issued within three days of your mortgage loan application lists all costs associated with your proposed loan. Some of these costs can change before final closing, and others are set unless a revised document is provided. 

Each cost listed on the written Loan Estimate falls into a "bucket" according to whether changes are tolerated. 

  • Lender and broker charges
  • Fees paid to an affiliate of the creditor or broker
  • Fees paid to an unaffiliated third party if shopping is not allowed
  • Transfer taxes  

  • Fees paid to an unaffiliated third party if shopping is allowed and included on a separate written list provided by the creditor
  • Recording fees
  • Services that you may shop for but choose not to  

  • Pre-paid interest
  • Certain real estate taxes
  • Property insurance premium
  • Amounts placed in escrow
  • Charges paid to third-party providers, not included on the written list provided by the creditor
  • Charges paid to third-party providers not required by the creditor 

If you have questions about the costs on your written Loan Estimate or final Closing Disclosure, please don't hesitate to ask. We are here 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
 
 
New homes often come with a higher price tag, but it's important to remember that price is not the same as the cost of owning.
This easy calculator compares the monthly cost of an existing and new home, considering energy and maintenance expenses (typically lower for new) and potential tax savings. 
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 8th, 2022 9:43 AM
 
 
How much could you save?
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 7th, 2022 9:55 PM
 
 
Make an offer that will make you money.
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 7th, 2022 3:16 PM

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