We are thrilled to announce that Lisa Bright has joined the team at United Mortgage. Lisa has been in the mortgage industry for over 30 years. She has worked in many different capacities, including auditing, closing loan packages, underwriting, processing, scrubbing loans, and working as a wholesale and correspondent representative. Her extensive experience has made her a better loan originator.
Clients consider Lisa to be a hardworking individual when it comes to getting their loan to the closing table. She keeps them updated every step of the way and is very easy to reach during the entire process. Lisa is confident in her ability to create a great experience for her clients, and is eager to work with home buyers at United Mortgage.
Lisa stays involved in the community through her membership of the Lathrop Chamber, as well as hosting a “trunk or treat” annually for the local 42 firefighters in Kansas City to raise money for their Community Assistance Fund. When Lisa isn’t in the working or volunteering, she focuses her time on her family. She and her husband have five girls and three grandchildren.
We ask that you join us in welcoming Lisa to United Mortgage!
You may contact Lisa for your lending needs here.
United Mortgage is pleased to welcome Brian Turner! Brian started in the mortgage industry in 2000. He is known for being an honest and straightforward professional who gets results. It is no wonder his clients often return to him time and time again for mortgage services. He particularly loves helping first-time buyers, easing their worries and fears, and helping them get a foot in the door to home ownership.
Brian always strives to do the best for his clients, and we are thrilled to have him as part of our team at United Mortgage. Please join us in welcoming him!
You may contact Brian for your lending needs here.
We are pleased to announce that Jacob Dickerson has joined our team at United Mortgage. Jacob strives to not only help his clients get a loan, but to build a complete mortgage strategy for them. He understands that the loan process doesn’t end when you get the keys to your new home. It is part of a lifelong financial strategy to build wealth, and he is passionate about helping his clients implement that.
Jacob is a family man with two wonderful children. He grew up in a small town in northern Missouri, and moved to the Kansas City area following high school. Outside of work, he enjoys sports and traveling.
Please join us in welcoming Jacob to United Mortgage!
You may contact Jacob for your lending needs here.
We are happy to announce that Rashad Newton has joined the team at United Mortgage. A mortgage and loan professional for more than 15 years, Rashad has the knowledge and experience to help his clients make the best decision for their mortgage needs.
The financial aspects of home buying can be stressful and overwhelming—but they don’t have to be, not with a trained and caring professional like Rashad in your corner. Contact Rashad today at United Mortgage to start making your home-ownership dream come true.
We ask that you join us in welcoming Rashad to United Mortgage!
You may contact Rashad for your lending needs here.
We are pleased to have Sara Deere join our team at United Mortgage!
Sara brings over 10 years of residential mortgage experience, licensed in Kansas and Missouri. Her extensive experience in Conventional, FHA, HECM, Jumbo, USDA and VA home loan programs has made it possible for her to not only help over 1,500 clients get a home loan, but find the RIGHT home loan for their situation. Sara has a Masters of Science in Education from the University of Kansas. She has been a panel member at different seminars as a mortgage expert, and was a past contributor for a published book about the HECM mortgage product.
Sara regularly attends networking and cultural events throughout the Lake of the Ozarks community, and has served as Silent Auction chair for a local Lake area rotary golf tournament over the past two years. Sara was recently honored as one of the outstanding Rotarian volunteers of the year. She currently resides in Lake Ozark with her rescued Lab mix dog, and enjoys spending time running 5k races, playing tennis and golf, and traveling around the world.
Please join us in welcoming Sara!
You may contact Sara for your lending needs here.
United Mortgage is pleased to welcome David Wile! David is a strong believer in family, faith, and the community, and his only goal is to provide a memorable and amazing customer experience. With David as your Mortgage Banker, you have an experienced advocate on your team.
David grew up in the Northeast and migrated west with his family to Kansas City. Along the pathway, he and his wife were compelled to do mission work south of the equator. Giving back to the greater good of the community was accomplished through leadership training.
Everyone knows that the purchase of a home ranks up there with the most important decisions you will ever make. If this is daunting and stressful, the good news is that there are good honest people out there to answer all your questions. David is one of these likable people who walks you safely side-by-side with your realtor through the front door of your brand new home.
Please join us in welcoming David!
You may contact David for your lending needs here.
Don’t forget to turn your clocks forward one hour this weekend!
Daylight Saving Time officially begins at 2am on Sunday, March 11. Maybe now is a good time to get to bed a little early, like you’ve been promising yourself?
Most of the country may be losing an hour of sleep, but we’re also gaining an hour of daylight. The days will be long and sunny again before you know it!
This is also a good time to check the batteries in your smoke detectors and carbon monoxide alarms. Do this twice every year at the time change, and you’ll never skip on safety.
If the warming spring weather makes you think about homebuying, home improvements, or renovations, give us a call to discuss your financing options!
How This Helps You
The FHFA acknowledged at the end of November 2017 that housing prices are on the rise, leading to a necessary rise in the limits as well. As home prices rise, the maximum loan limit needs to rise so homebuyers can borrow enough to cover the cost of their new home purchase. The new limits set by the FHFA reflect the increase in home prices across the country, making it easier for more borrowers to qualify for financing and achieve the goal of homeownership.
This is only the second time since 2006 that the conforming loan limits for loans purchased by Fannie Mae and Freddie Mac have risen. It indicates a strong recovery in the U.S. housing market, as conforming levels were mandated by the Housing and Economic Recovery Act of 2008 to remain at $417,000 until home prices returned to pre-crisis levels.
Baseline maximum conforming loan limits are increasing from $424,100 to $453,100 in 2018 for the contiguous 48 states. In high-cost areas, ceiling loan limits for one-unit properties will increase from $636,150 to $679,650, which is 150% of $453,100.
For a map of maximum loan limits by county, click here.
Are you prepared for winter? With colder weather quickly approaching, we think now is the perfect time to share our top ten list of Winter home maintenance tips with you.
Reverse Your Ceiling Fans. Have your ceiling fans move in a clockwise direction to create an updraft that forces hot air to circulate throughout the room rather than being trapped in the rafters.
Have your chimney serviced. Having your chimney inspected and swept before your first fire reduces your risk of fire and carbon monoxide poisoning.
Seal windows and doors. Take the time to caulk around windows and doors and apply weather stripping wherever necessary.
Add extra insulation. By adding an extra layer of insulation, you are helping keep your attic cooler and your rooms toasty.
Service your furnace. Make sure that all components are properly cleaned and working effectively.
Mind your thermostat. It’s easy to forget to turn down the heat when you leave the building, but doing so is one of the surest ways to save money.
Stock your garage or shed. Be prepared for the first snowfall with salt or ice melt, snow shovels, a snow blower, and a generator with additional fuel.
Check for leaks. Disconnect exterior hoses, drain all spigots and engage the shut-off valve within your home to prevent broken water pipes.
Trim your trees. Have any dead branches or limbs that hang close to your home and power lines removed so that they don’t break off an cause damage under the weight of snow and ice.
Be ready for an emergency. Blackouts and snow-ins can occur during winter months, so take a moment to prepare. Having items like bottled water, flashlights and blankets ready will help you make it through safely.