Glenycia Bixby NMLS # 2648875

Glenycia Bixby NMLS # 2648875 “A dream doesn’t become reality through magic; it takes sweat, determination and hard work.”

💳 Sunday Credit Tip: A Small Score Drop Can Be NormalDid your credit score dip after you opened a new account? Don't pan...
09/20/2026

💳 Sunday Credit Tip: A Small Score Drop Can Be Normal

Did your credit score dip after you opened a new account? Don't panic. Applying for new credit can result in a hard inquiry, and opening the account can also lower the average age of your credit history. Both can temporarily affect your score. There isn't a universal number of points your score should drop. Every credit profile is different, so one person may see very little movement while another sees a more noticeable change. What really matters most is what happens next. Make your payments on time, keep revolving balances manageable, and give the new account time to become part of an established credit history.

One important exception is when you're preparing to buy a home. Talk with your loan officer before opening any new credit so a temporary change doesn't create an unnecessary problem with your mortgage. 🏡

👉 Preparing for homeownership? Complete a mortgage application at www.loansbyglenycia.com/?utm_source=Facebook&utm_campaign=Credit+Tips.

Glenycia Bixby NMLS #2648875 | United Direct Lending NMLS #1749719

🔎 Saturday DTI Tip: Check Your Credit Reports for Errors 🔎Your credit report does more than help determine your credit s...
09/19/2026

🔎 Saturday DTI Tip: Check Your Credit Reports for Errors 🔎

Your credit report does more than help determine your credit score. Lenders also use it to identify many of your monthly debt obligations when calculating your debt to income ratio. If an account, balance, or required payment is being reported incorrectly, it could potentially make your DTI look higher than it should. That is why reviewing your credit reports before you are deep into the homebuying process is such a good idea. Look for accounts you do not recognize, debts that should show as paid, duplicate accounts, or incorrect payment information. If you find an error, disputing it early gives you more time to get it corrected before it creates a problem during mortgage qualifying.

You do not have to figure out your mortgage readiness alone. If buying a home is on your radar, complete your mortgage application at www.loansbyglenycia.com/?utm_source=Facebook&utm_campaign=Real+Estate+Terms, and we can review your financial picture and see what options may work for you.

Glenycia Bixby NMLS #2648875 | United Direct Lending NMLS #1749719

🔑 Weekly Real Estate Term: Chain of TitleA chain of title is the history of who has owned a property and how ownership h...
09/18/2026

🔑 Weekly Real Estate Term: Chain of Title

A chain of title is the history of who has owned a property and how ownership has transferred over time. During a real estate transaction, the property's title history is reviewed for issues that could affect ownership. Problems such as an improperly recorded deed or an unresolved ownership claim may need to be addressed before the transaction can move forward. A clear ownership history is pretty important when you are about to call that house yours.

👉 Ready to start your own homebuying journey? Visit www.loansbyglenycia.com/?utm_source=Facebook&utm_campaign=Real+Estate+Terms to complete your application and let's get started!

Glenycia Bixby NMLS #2648875 | United Direct Lending NMLS #1749719

09/17/2026

📈📉Here's what's going on with mortgage rates today. 😊

My goal is to make the mortgage market easy to understand so you can make the best homebuying/home financing decisions for you. If you're thinking about buying a home in Florida, I'd love to help you get pre-approved and explore your financing options.
🌐 www.loansbyglenycia.com/?utm_source=Facebook&utm_campaign=Market+Update

Glenycia Bixby NMLS #2648875 | United Direct Lending NMLS #1749719

🤝📉 Question of the Week: Can I Negotiate My Interest Rate? 📉🤝Mortgage rates are not always a single take it or leave it ...
09/17/2026

🤝📉 Question of the Week: Can I Negotiate My Interest Rate? 📉🤝

Mortgage rates are not always a single take it or leave it number. The rate available to you can depend on several factors, including the loan program, your credit profile, down payment, property type, market conditions, and how the loan is priced. There can also be different ways to structure the same mortgage. You might have the option to pay discount points for a lower rate, choose a higher rate in exchange for lender credits toward eligible closing costs, or select another pricing option somewhere in between.

Working with a mortgage broker can also give you access to multiple wholesale lenders instead of relying on the pricing available from just one source. That gives us the opportunity to compare available loan options and find a combination of rate, costs, and terms that makes sense for your situation. The lowest advertised rate is not automatically the best deal once fees and points are considered, so looking at the entire loan matters. If you are ready to compare your mortgage options, visit www.loansbyglenycia.com/?utm_source=Facebook&utm_campaign=Question+%26+Answer to get started. 😊

Glenycia Bixby NMLS #2648875 | United Direct Lending NMLS #1749719

📈🏡 Question of the Week: Are Adjustable Rates Risky? 🏡📈Adjustable rate mortgages, commonly called ARMs, can sound intimi...
09/17/2026

📈🏡 Question of the Week: Are Adjustable Rates Risky? 🏡📈

Adjustable rate mortgages, commonly called ARMs, can sound intimidating because the interest rate can change. The level of risk really depends on how the loan is structured and how well it fits your plans. An ARM typically starts with a fixed interest rate for a set period. After that initial period ends, the rate can adjust at scheduled intervals based on the loan's index and margin. There are also caps that limit how much the rate can change at the first adjustment, during later adjustments, and over the life of the loan. That means your payment could increase if rates are higher when an adjustment occurs. Your payment could also decrease if rates fall, subject to the terms of your loan. This is why understanding the adjustment schedule and rate caps is so important before choosing an ARM.

For some buyers, an ARM can make sense, especially when they understand the potential payment changes and have a shorter ownership timeline. If you are comparing fixed and adjustable rate options, I can help you run the numbers for both. Visit www.loansbyglenycia.com/?utm_source=Facebook&utm_campaign=Question+%26+Answer to get started. 😊

Glenycia Bixby NMLS #2648875 | United Direct Lending NMLS #1749719

📋 Weekly Buyer Tip: Know Your Financing Contingency 🏡💰When you make an offer on a home, there is a lot more happening in...
09/16/2026

📋 Weekly Buyer Tip: Know Your Financing Contingency 🏡💰

When you make an offer on a home, there is a lot more happening in that contract than just agreeing on a price. One section buyers should understand is the financing contingency. A financing contingency addresses what happens if you cannot obtain the mortgage required to complete the purchase. Depending on the terms of your contract, it may provide certain protections if financing falls through, but those protections usually come with specific requirements and deadlines. Missing a deadline or misunderstanding the terms could affect the protections available to you, so this is definitely not a section to skim and forget. You do not need to become a contract expert overnight, but you should understand what you are agreeing to before you sign.

If you are preparing to buy, complete your mortgage application with me at www.loansbyglenycia.com/?utm_source=Facebook&utm_campaign=Buyer+Tips so we can get the financing side of your homebuying plan started. 🏠✨

Glenycia Bixby NMLS #2648875 | United Direct Lending NMLS #1749719

🏡 Weekly Seller Tip: Replace Worn or Stained Carpet 🧹Flooring covers a lot of visual space, so buyers tend to notice its...
09/16/2026

🏡 Weekly Seller Tip: Replace Worn or Stained Carpet 🧹

Flooring covers a lot of visual space, so buyers tend to notice its condition pretty quickly. Carpet that is heavily stained, worn down, or damaged can make an entire room feel older, even when the rest of the home has been beautifully maintained. Start by determining whether a professional cleaning could bring the carpet back to life. If the wear is permanent, replacement may be worth considering before putting the home on the market. You do not need the most expensive carpet available either. A clean, neutral option can freshen the room while appealing to a wide variety of buyers.

The goal is to help buyers focus on your home's potential instead of mentally adding another project to their list. Sometimes taking care of an obvious update before listing can make the entire home feel more polished and move in ready.

If selling your home also means buying your next one, I would love to help with the financing side of your move. Complete your mortgage application anytime at www.loansbyglenycia.com/?utm_source=Facebook&utm_campaign=Seller+Tips. 💙

Glenycia Bixby NMLS #2648875 | United Direct Lending NMLS #1749719

Address

Tampa, FL

Telephone

+18136029466

Website

,

Alerts

Be the first to know and let us send you an email when Glenycia Bixby NMLS # 2648875 posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.

Contact The Business

Send a message to Glenycia Bixby NMLS # 2648875:

Shortcuts

Share

Category