Power Tools Newsletter

Click here to see the 8 Things to Focus on for Facebook Marketing!

Weekly Inside Lending Newsletter

Click here to read up on the weekly update!

Real Estate : Today's Golden Opportunity

Cick here to read more!

Inside Lending Newsletter

Click here to read up on this weeks inside information!

Market Guide Weekly Newsletter

Click here to read up on this weeks newsletter.

Why Involve a LENDER in the Home Selling Equation?

Click here why a lender is so important to have a lender involved.

12 things to put on your Holiday Checklist, PLUS...Year-end Financial To-do list!

Click here to read up on the 12 things to put on your Holiday Checklist


PLUS...Year-end financial to-do list!

Weekly Market Guide

Click here to read my Weekly Market Guide

Weekly Inside Lending Newsletter

Click here to read the Inside Lending weekly newsletter!

Where are the Generation Y Home Buyers?

Click here to read more!

Common Sense Isn't Common Practice

Click here to read more!

Weekly Insider Newsletter

Click here to read up on what's happening this week!

Mortgage market guide monthly

Click to read up on what happened this past month.

Weekly mortgage market guide

Click to read this weeks forecast!

8 Tips to Be More Effective in Business!

Click here to see some tips which can represent big changes in your approach and attitude. The more you do them, the easier they become!

Inside Lending Newsletter

Click here to read this weeks update.

Rent or Buy? The Research is in!

Click here to see what the experts say!

Why you need an expert - Part 2

Click here to find out why it is so important.

You Need an Industry Expert in this Market

Click here to see why

MMG Weekly: Gobble Up Good and Bad News

Click here to read this weeks Market Guide.

Prices: Where They Have Been and Where They Are Headed

Click here

Is There a 3.8% Tax on Homes in the Health Bill?

Click here to see where we are on the discussion as of today.

How much should you put down?

Click here to read about how much you should put down on a home.

It's Time to Buy a Home!

Click here to find out why!

Americans Still Believe in the Value of Homeownership

Click here to see the most important reasons to buy a home

Homeownership: Reports of Its Death are Exaggerated

Click here for the entire scoop!

Is It Really Time to Buy a Home?

Click here to see what the experts say!

It's Simple: Now is the Time to buy a Home

Click here to see why!

MMG Weekly - A Treat out of Europe

Changes are coming to the Home Affordable Refinance Program. Find out what this means for homeowners by clicking here

Will the 30 Year Mortgage Disappear?

If you want to purchase a home of your own but are waiting to see where prices will go, consider what you could be giving up while you wait.

Click here to see if it is worth sitting on the fence about buying!

Long Term Benefits of Buying vs Renting

On the fence about buying? Click here to find out why it may be in your benefit to make the plunge!

When the Fed talks, people listen.

Click here to read up about this week!

What's First? The Houst or the Mortgage?

Think you know the answer?

Click here to see if you are right!

Why do you want to buy a home?

Should you always listen to the experts?  Should you always go with your gut?

Click here to see if it makes sense for you!

Wall Street Journal & Forbes: It's Time to buy a Home!

Click to read the article!

When the iconic financial newspaper and the iconic financial magazine say that it now makes financial sense to purchase a house, perhaps it’s time to buy a home.

Short sale vs Foreclosure - a short sale always wins!

http://www.kcmblog.com/2011/10/04/short-sale-vs-foreclosure-a-short-sale-always-wins/?utm_source=feedburner&utm_medium=email&utm_campaign=Feed%3A+KeepingCurrentMatters+%28The+KCM+Blog%29

Rates Stay Low...But, will costs go UP??

http://kcmblog.com/2011/09/22/rates-stay-low-but-will-costs-go-up/?utm_source=feedburner&utm_medium=email&utm_campaign=Feed%3A+KeepingCurrentMatters+%28The+KCM+Blog%29

How to pick your Lender

http://kcmblog.com/2011/09/15/how-to-pick-your-lender/?utm_source=feedburner&utm_medium=email&utm_campaign=Feed%3A+KeepingCurrentMatters+%28The+KCM+Blog%29

August Retail Sales Report

The Retail Sales report for August came in flat at 0.0% as consumers tightened their wallets on fears of the debt ceiing debate, the downgrade of US credit by S&P, and on fears of a double-dip recession. You can notice the -0.1% drop in May, which was a result of a spike in oil and the nuclear disaster in Japan
Click Here for My Featured Chart

Initial Jobless Claims Fall 12,000

Click Here for My Featured Chart

Short Sale Success - Key is to Change our mindset!

http://kcmblog.com/2011/08/30/short-sale-success-key-is-to-change-our-mindset/?utm_source=feedburner&utm_medium=email&utm_campaign=Feed%3A+KeepingCurrentMatters+%28The+KCM+Blog%29

Home Prices Rise in 19 Out of 20 Cities

Click Here for My Featured Chart

Austin-area existing home sales up 32 percent in July

2010, Austin again bucked national trends with 32% increase in sales from the same time last year.  Even more encouraging for sellers is a 20% drop in inventory from last year at this time.  Austin has also shown remarkable price stability, which speaks to a very healthy real estate market that is neither depressed, nor speculative.  Area economists and real estate professionals, quoted in the article, point to continued population and job growth, low interest rates, stable prices, and healthy inventory as indicators of a long-term, strong, sustainable real estate market in Central Texas.

Link to article: http://www.statesman.com/business/real-estate/austin-area-existing-home-sales-up-32-percent-1761103.html 

RECORD BREAKING RATES!!!

Mortgage rates are FANTASTIC right now!




- 30 year FHA rates are in the 3’s!

- 30 year Conventional rates are in the low 4’s!

- 15 year rates for FHA & Conventional programs are in the low 3’s!



Whether you are looking to refinance, are a first-time home buyer, are looking to move up or want to purchase investment properties, SWBC offers several loan programs with options for down payments starting as low as 3.5%--or less with certain loan products. Just a few of these products include: FHA, VA, TX VET, Conventional, USDA, HomePath, TDHCA Bond 77 & Good Neighbor Next Door.



These low down payment programs and record breaking rates allow you to keep more money in your pocket!



In addition, all of our programs are provided with SWBC’s legendary commitment to service that exceeds expectations. We have local, in-house Processing, Underwriting, Closing and Funding. We also service our own loans!



If I can be of assistance to you or someone you know – please do not hesitate to contact me. I would love to discuss your options with you & help you save money each month on your mortgage payment!

*Rates are subject to change; above listed estimations are based on pricing as of 8/10/11 – rates will vary depending on program, credit score & debt to income ratios;


loans are subject to credit and property approval, other guidelines may apply. HomePath is a registered trademark of Fannie Mae.

More Disclosures on the way to "Help" the Consumer

http://kcmblog.com/2011/08/04/more-disclosures-on-the-way-to-%e2%80%9chelp%e2%80%9d-the-consumer/?utm_source=feedburner&utm_medium=email&utm_campaign=Feed%3A+KeepingCurrentMatters+%28The+KCM+Blog%29

The Cycle of Investments

http://kcmblog.com/2011/08/05/the-cycle-of-investments/?utm_source=feedburner&utm_medium=email&utm_campaign=Feed%3A+KeepingCurrentMatters+%28The+KCM+Blog%29

A 14% Home Mortgage Rate?

http://kcmblog.com/2011/07/25/a14-home-mortgage-rate/?utm_source=feedburner&utm_medium=email&utm_campaign=Feed%3A+KeepingCurrentMatters+%28The+KCM+Blog%29

Let's Get Chickent Little

http://kcmblog.com/2011/07/07/lets-get-chicken-little/?utm_source=feedburner&utm_medium=email&utm_campaign=Feed%3A+KeepingCurrentMatters+%28The+KCM+Blog%29

5 Real Estate Headlines You'll see in the Next Six Months

http://kcmblog.com/2011/07/06/5-real-estate-headlines-you%e2%80%99ll-see-in-the-next-six-months/?utm_source=feedburner&utm_medium=email&utm_campaign=Feed%3A+KeepingCurrentMatters+%28The+KCM+Blog%29

Why They are Saying to Buy a Home NOW

http://kcmblog.com/2011/06/14/why-they-are-saying-to-buy-a-home-now/?utm_source=feedburner&utm_medium=email&utm_campaign=Feed%3A+KeepingCurrentMatters+%28The+KCM+Blog%29

Does your lender WANT to say 'Yes!"?

YES, we WANT to say YES!!!
http://kcmblog.com/2011/06/09/does-your-lender-want-to-say-%e2%80%9cyes%e2%80%9d/?utm_source=feedburner&utm_medium=email&utm_campaign=Feed%3A+KeepingCurrentMatters+%28The+KCM+Blog%29

Are Home Prices Headed Up or Down?

http://kcmblog.com/2011/06/06/are-home-prices-headed-up-or-dow/?utm_source=feedburner&utm_medium=email&utm_campaign=Feed%3A+KeepingCurrentMatters+%28The+KCM+Blog%29

Should you Rent or Buy in this Market?

http://kcmblog.com/2011/06/01/should-you-rent-or-buy-in-this-market/?utm_source=feedburner&utm_medium=email&utm_campaign=Feed%3A+KeepingCurrentMatters+%28The+KCM+Blog%29

Why It's Time to Buy

http://online.wsj.com/article/SB10001424052702304563104576361522020024248.html

Financial News Icons say NOW is the Time to Buy!

http://kcmblog.com/2011/06/07/financial-news-icons-say-now-is-the-time-to-buy/?utm_source=feedburner&utm_medium=email&utm_campaign=Feed%3A+KeepingCurrentMatters+%28The+KCM+Blog%29

9 Reasons to Buy a House NOW!

http://blogs.forbes.com/investopedia/2011/06/03/9-reasons-to-buy-a-house-now/

Look Past the Headlines

http://kcmblog.com/2011/05/20/look-past-the-headlines/?utm_source=feedburner&utm_medium=email&utm_campaign=Feed%3A+KeepingCurrentMatters+%28The+KCM+Blog%29

Mortgage Money IS Available....For Now....

http://kcmblog.com/2011/05/19/mortgage-money-is-available-for-now/?utm_source=feedburner&utm_medium=email&utm_campaign=Feed%3A+KeepingCurrentMatters+%28The+KCM+Blog%29

Where are Mortgage Rates Headed?

http://kcmblog.com/2011/05/18/where-are-mortgage-rates-headed/

Even the Naysayers Are Saying to BUY NOW!!

http://kcmblog.com/2011/05/17/even-the-naysayers-are-saying-to-buy-now/?utm_source=feedburner&utm_medium=email&utm_campaign=Feed%3A+KeepingCurrentMatters+%28The+KCM+Blog%29

Moving Up? Doing it now may make sense

http://kcmblog.com/2011/05/16/moving-up-doing-it-now-may-make-sense/?utm_source=feedburner&utm_medium=email&utm_campaign=Feed%3A+KeepingCurrentMatters+%28The+KCM+Blog%29

Time to buy a house? What people actually believe

http://kcmblog.com/2011/05/13/time-to-buy-a-house-what-people-actually-believe/?utm_source=feedburner&utm_medium=email&utm_campaign=Feed%3A+KeepingCurrentMatters+%28The+KCM+Blog%29

How much money would you deposit in this investment?

http://kcmblog.com/2011/05/12/how-much-money-would-you-deposit-in-this-investment/?utm_source=feedburner&utm_medium=email&utm_campaign=Feed%3A+KeepingCurrentMatters+%28The+KCM+Blog%29

Homeownership : Building Family Values

http://kcmblog.com/2011/05/11/homeownership-building-family-wealth/?utm_source=feedburner&utm_medium=email&utm_campaign=Feed%3A+KeepingCurrentMatters+%28KCM+Blog%29

Statewide Real Estate Figures Indicate Continued Economic Recovery in Texas

http://www2.bizjournals.com/houston/prnewswire/press_releases/Texas/2011/05/02/DC92587

Should you get a second opinion?

http://kcmblog.com/2011/04/28/should-you-get-a-second-opinion/?utm_source=feedburner&utm_medium=email&utm_campaign=Feed%3A+KeepingCurrentMatters+%28KCM+Blog%29

Is it time to diversify your investment portfolio?

http://kcmblog.com/2011/04/26/is-it-time-to-diversify-your-investment-portfolio-2/?utm_source=feedburner&utm_medium=email&utm_campaign=Feed%3A+KeepingCurrentMatters+%28KCM+Blog%29

Your Retirement Home: Is Now the Time to Buy?

http://kcmblog.com/2011/04/25/your-retirement-home-is-now-the-time-to-buy/?utm_source=feedburner&utm_medium=email&utm_campaign=Feed%3A+KeepingCurrentMatters+%28KCM+Blog%29

What do Homeowners say about Homeownership?

http://kcmblog.com/2011/04/19/what-do-homeowners-say-about-homeownership/

Survey: A home is still the best investment

http://kcmblog.com/2011/04/15/survey-a-home-is-still-the-best-long-term-investment/?utm_source=feedburner&utm_medium=email&utm_campaign=Feed%3A+KeepingCurrentMatters+%28KCM+Blog%29

QRM: The other side of the argument

http://kcmblog.com/2011/04/18/qrm-the-other-side-of-the-argument/?utm_source=feedburner&utm_medium=email&utm_campaign=Feed%3A+KeepingCurrentMatters+%28KCM+Blog%29

4 Financial Reasons to Buy Now

http://kcmblog.com/2011/04/12/4-financial-reasons-to-buy-now/?utm_source=feedburner&utm_medium=email&utm_campaign=Feed%3A+KeepingCurrentMatters+%28KCM+Blog%29

Austin City Council OKs two new development districts

http://www.bizjournals.com/austin/news/2011/04/07/austin-city-council-oks-two-new.html

Sales price climbs in Austin

http://www.jamesdeloney.com/blog/average-sale-price-climbs-in-austin-housing-for-march-2011.html

Rental Costs are About to Takeoff

Rental Costs Are About to Take Off!

ABOR Press Releases : 2011

http://www.abor.com/news_media/press_releases/2011/p5_11.cfm

Movings tips from FlyLady

http://www.flylady.net/pages/Flying_movingtips.asp

New-home projects get going, as builders see a recovering market

http://www.statesman.com/business/new-home-projects-get-going-as-builders-see-1340693.html

10 Best cities to find a job

http://jobs.aol.com/articles/2011/03/10/10-best-cities-to-find-a-job/?icid=main%7Chtmlws-sb-w%7Cdl8%7Csec1_lnk3%7C206555&ncid=AOLCOMMjobscrssextl0006&a_dgi=aolshare_facebook&a_dgi=aolshare_facebook

We Think We’re Going to Believe Grandpa

We Think We’re Going to Believe Grandpa

10 Places to buy a home in 2011

http://www.msnbc.msn.com/id/40911292/ns/business-real_estate/

Austin 2nd best job market in U.S., firm says

http://www.bizjournals.com/austin/news/2011/03/15/austin-2nd-best-job-market-in-us.html

What Homeownership Truly Means

http://kcmblog.com/2011/03/15/what-homeownership-truly-means/

FHA Annual MIP Increase

Effective with case numbers assigned on or after April 18, 2011, FHA will increase the annual MIP by 25 basis points.

For example:

Currently - If you have a loan to value above 95% on loan term greater than 15 years, the annual premium is 90 basis points (this is figured off your loan amount.) This will be going up to 115 basis points.

The Upfront Mortgage Insurance Premium will remain the same. The increase in annual MIP applies to all mortgages except for Section 238(c) Military Impact areas in Georgia and New York - as designated by HUD.

If you are thinking of buying and planning on using the befits associated with an FHA loan, now is the time to get your contract in place!

If Prices are Falling, Why are the RICH Buying?

http://kcmblog.com/2011/03/14/if-prices-are-falling-why-are-the-rich-buying/?utm_source=feedburner&utm_medium=email&utm_campaign=Feed%3A+KeepingCurrentMatters+%29

Mortgage Applictions Jump

http://www.bizjournals.com/austin/news/2011/03/09/mortgage-applications-jump.html

New Rules for First-Time Home Buyers

http://www.smartmoney.com/personal-finance/real-estate/new-rules-for-firsttime-home-buyers-1299539050817/

For Housing Values, Is Bigger Better?

http://online.wsj.ocm/article/SB10001424052748703597804576194772974777088.html?mod=WSJ_RealEstate_LeftTopNews

Americans Confident in Recovery of Real Estate Market

http://www.blogger.com/post-create.g?blogID=5321678185572534711

Austin apartment rent soaring higher and faster than any other Texas city

http://www.kvue.com/news/local/Austin-apartment-rent-soaring-higher-and-faster-than-any-other-Texas -city-117443614.html

Home prices: Should you buy a house right now?

http://finance.yahoo.com/news/Home-prices-Should-you-buy-a-cnnm-2730615297.html?x=0

Five Signs that Say 'Buy'

http://online.wsj.com/article/SB10001424052748703905404576164720668195108.html?mod=WSJ_RealEstate_LeftTopNews

If your goal is to buy low, buy NOW!

http://kcmblog.com/2011/03/01/if-your-goal-is-to-buy-low-buy-now/

SWBC - BEST Mortgage for you!

What it takes to be a mortgage expert

http://kcmblog.com/2011/02/24/what-it-takes-to-be-a-mortgage-expert/

January home sales up 14 percent

http://www.statesman.com/blogs/content/shared-gen/blogs/austin/theticker/entries/2011/02/21/january_home_sales_up_14_perce.html

Austin area population increases by nearly half million, 2010 census data show

http://www.statesman.com/news/local/austin-area-population-increases-by-nearly-half-million-1263947.html

A tax deductions checklist for real estate profesoinals

http://www.inman.com/buyers-sellers/columnists/stephenfishman/a-tax-deductions-checklist-real-estate-professionals

Austin 5th most moved to city, UHaul says

http://www.bizjournals.com/austin/news/2011/02/17/austin-5th-most-moved-to-city-uhaul.html

The 3.8% tax you're NOT going to pay

http://texasrealestate.com/web/2/27/more/021011.cfm

The cost of wiating for prices to fall

http://kcmblog.com/2011/02/11/the-cost-of-waiting-for-prices-to-fall/

Austin - top place to live and work

http://www.bizjournals.com/austin/news/2011/02/01/austin-top-place-to-live-and-work.html?ed=2011-02-01&s=article_du&ana=e_du_pub

Slide Show - America's Best and Worst Job Markets

http://www.forbes.com/2011/01/06/best-and-worst-places-for-jobs-business-beltway_slide.html

Top 10 Most Searched Markets at Realtor.com

http://www.realtor.org/RMODaily.nsf/pages/News2011011204?OpenDocument

Downtown condo sales rose 50% in '10; Austin 360 top sold

http://www.bizjournals.com/austin/news/2011/01/24/downtown-condo-sales-rose-50-in-10.html?ed=2011-01-24&s=article_du&ana=e_du_pub

State offering $45M to homebuyer assistance program

http://www.bizjournals.com/austin/news/2011/01/17/state-allocates-45m-to-homebuyer.html?ana=e_vert

Just another reason we love Texas, and especially love Austin!

http://www.youtube.com/watch?v=zowLTpJSu94

Monthly review of Texas Economy

http://recenter.tamu.edu/econ/

Forbes names Austin 3rd best job market in the country!

http://www.kvue.com/news/Forbes-names-Austin-3rd-best-job-market-in-country-113103779.html

Home Ownership Matters: Stats & Data

http://www.realtor.org/statsanddata/homeownership

Austin among top searched real estate in U.S.

http://www.bizjournals.com/austin/news/2011/01/11/austin-among-top-searched-real-estate.html

Austin Leads Country in Job Growth!

http://www.cbsnews.com/video/watch/?id=7224282n&tag=contentMain%3BcontentBody%3Ftag%3Dfacebook

Austin is the BEST place to live!

Need I say more? Take a look at this article that discusses the 10 Best Places to Buy a Home in 2011, Austin is #1! Feel free to contact me with questions about your financing ability.

http://www.walletpop.com/2010/12/31/10-best-places-to-buy-a-home-in-2011/?a_dgi=aolshare_facebook