AMSW Lending

Name: AMSW Lending
Address: 1801 N Glenville Drive, Richardson, TX, 75081, US
Telephone: +12149843644

Mortgage made easy.

Lower, LLC DBA AMSW Lending
NMLS ID # 1124061
nmlsconsumeraccess.org

10/02/2024

For contract workers and self-employed borrowers, bank loans are key. I'm happy to talk over your homebuying options, take a look at your numbers, and let you know the best path forward for you. Just reach out to me anytime.

07/10/2024

For Veterans and active military servicemembers, the advantages of VA loans can pay off. They make homeownership more affordable. Period.

07/09/2024

Is there anything more magical than a yard sale? Gathering up all of your stuff you no longer want, putting little price tags on it, then haggling with shoppers. All kidding aside, yard sales are a great way to clean up your house and get rid of some clutter.

07/08/2024

Even before getting pre-approved, one of the first and most important steps I tell all future homebuyers to do: Start saving. If buying a home is the goal, then plan on taking the necessary steps to get there. Don’t start out looking at it as “I have to save so much money for my down payment.” Yes, there may be a number. But, it’s better to set those smaller goals. How much to save per week? How much per month? One more hack for a savings journey: Automatic transfers and deposits. That’s it. It’s so easy to have money go automatically from your checking to your savings, or from your paycheck to your savings account. A little bit every month can really add up.

06/04/2024

Let’s bust another myth! Homebuyers don’t need perfect credit to buy a house. While higher credit scores can result in lower interest rates and ultimately lower monthly payments, there are still a lot of loan programs available to people with lower credit scores. Is it still a good idea to work on boosting your credit score? Of course! But, it’s not a requirement to have flawless credit to purchase a home.

06/03/2024

June. Is. The. Best. 👏 We love creating homeowners, and Homeownership Month is the best time of the year for it!

05/30/2024

Almost 1/3 of all homebuyers are doing it for the first time, according to the National Association of REALTORS®.

That’s why putting education first is such a big part of what I do day in and day out. If first-time homebuyers can learn more about the mortgage process, they’ll feel more comfortable making their purchase.

Real estate agents and borrowers should always ask questions. I’m here to answer all the nitty gritty details.

05/21/2024

Here's how credit scores work. In a simple graphic like this, it's easy to see what matters most.

1. Payment History (35%): This is the record of your payments on credit accounts, including credit accounts, mortgages, and other loans. On-time payments positively impact your score, while late payments, defaults, or bankruptcies can have a negative effect.

2. Credit Utilization (30%): This is the ratio of your current card balances to your credit limits. A lower ratio is generally seen as more favorable and can positively impact your score.

3. Length of Credit History (15%): This considers how long your credit accounts have been established. A longer credit history can be seen as more stable and may positively impact your score.

4. Types of Credit in Use (10%): This takes into account the various types of credit accounts you have, such as credit accounts, mortgages, and installment loans. A mix of different types of credit can be viewed positively.

5. New Credit (10%): This includes recent inquiries for new credit and the number of recently opened credit accounts. Multiple recent inquiries or new accounts may hurt your score.

05/20/2024

We’ve got another little handy cheat sheet for VA loans.

You probably knew you could use a VA loan more than once. But, did you know it will change the funding fee? It’s still a great option for servicemembers, veterans, and family members to utilize for home financing.

05/13/2024

Take care of your home and it will take care of you. This is just a friendly reminder to replace your furnace filter. You’ll want to do it every 3 months or so. That will help keep your whole HVAC system clean and running smoothly. Remember, your home is an investment and an asset—treat it like one! A little TLC goes a long way.

04/10/2024

Today, we're talking homeownership tax benefits. These can vary depending on your location and the specific details of your mortgage and financial situation. You can deduct your mortgage interest. This means significant tax savings, especially in the early years of your mortgage when a larger portion of your monthly payment goes toward interest. Deduct your property taxes. Property taxes paid on your home are often deductible from your taxable income. This can be another way to reduce your overall tax liability. Do you have any energy-efficient upgrades? Your locale may offer tax credits for making these improvements to your home, such as installing solar panels, energy-efficient windows, or insulation. First-Time Homebuyer Credits: Some countries, states, or regions may offer tax credits or deductions specifically for first-time homebuyers to encourage homeownership. Self-employed? Deduct home office expenses. WFH employees can’t claim a home office deduction. Be sure to chat with a tax professional or accountant to get personalized advice based on your specific circumstances and the tax laws applicable to your area.

04/09/2024

It’s almost that time of year! When you own a home, knowing your standard tax deductions will help you plan as you get your paperwork together. Remember, homeowners get some pretty sweet tax breaks. If you don’t own a house, now might be the time to consider what it can do for you.

Address

1801 N Glenville Drive
Richardson, TX
75081

Telephone

+12149843644

Website

http://www.amswlending.com/

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