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U.S. housing market stays strong through pandemic

By Mary Heerwald | October 20, 2020

As we settle into the final months of 2020, we have more insight into the health of the U.S. housing market (and what to expect for those looking to buy or move). While it has sometimes felt like there’s been a continuous stream of dark or divisive news this year, the housing market has been a “shining star in the economic recovery.” Let’s break down a few important current trends.  If you’re buying a house In the market? Many Americans have been (understandably) spurred on by historic low interest rates — but they’ve had to be ready for a hunt. Housing supply has continued to decline throughout 2020, meaning there are fewer homes to choose from than this time last year. Houses are also selling 12 days faster, on average.  In a reversal from the initial dip in March, when the pandemic was picking up, August sales of new single-family homes in the U.S. climbed nearly 5% from the previous month. And in the south, this number jumped to 13.4% — a 14-year high for sales of new single-family residences. Affordability has also been impacted by this undeniably seller’s market. Median existing house prices increased to a record of $310,600 nationally.  What’s happening nationally While interest rates set by the Federal Reserve are not the same as mortgage interest rates, there’s a correlation. So importantly,…

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Sente Mortgage Surpasses 20,000 Home Loans – Company Points to Unmatched 5-Star Experience

By Mary Heerwald | October 16, 2020

AUSTIN, Texas, Oct. 16, 2020  — Sente Mortgage has helped over 20,000 families and individuals make their homeownership dreams a reality as of September 2020, the company announced today. “We formed Sente as a different kind of mortgage company, committed to financial possibility,” said Tom Rhodes, CEO of Sente Mortgage. “In our early days, we could have only dreamed of reaching a milestone like this. We’ve impacted more than 20,000 lives and families, but what’s equally rewarding is that we’ve done it with the highest caliber of service.” Sente is an industry outlier with thousands of five-star reviews, across platforms, for the company and its branches. Rhodes attributes this level of feedback to Sente’s purpose-driven culture based on core values and a teamwork mindset. “We’re deliberate in everything we do — from how we approach growth, to how we treat each other internally and the value we provide borrowers,” said Rhodes. “We’re honored and excited to continue supporting our clients in the many years to come.” The Austin-headquartered independent mortgage company has branches across the south-central region and is actively expanding across the country. To learn more about Sente Mortgage, visit https://www.sentemortgage.com/. About Sente Mortgage: Sente Mortgage is a leading independent mortgage bank that creates financial possibility. The company’s team of expert Loan Officers is dedicated to finding the right mortgage products for each client’s individual…

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Four Top Tips to Boost Your Credit Score

By Mary Heerwald | September 23, 2020

You know what goes into a credit score is and why your score is important (if you don’t, check out this helpful resource). Now, what can be done about a low or middle-of-the-road score – especially if you’re trying to qualify for a mortgage? While it’s important to remember that everyone can improve their credit scores, you won’t see the results overnight. However, the steps you take now can have radical implications over time and will move you closer to the coveted “Excellent” score range.  Here’s how to make a big impact on your credit score: Pay bills on time.Payment history, which myFico revealed makes up about 35% of your FICO Score, has the single-biggest effect on your credit score. By law, late payments cannot be sent to the reporting bureaus until they are 30 days overdue (though you can still incur late fees). So while you have a short grace period, staying on top of credit card payments and making sure any outstanding bills don’t go to collections  is critical – these dings can stay on your credit report for seven years. Reduce your credit card balances…or don’t carry a balance. We recommend setting up automatic payments whenever feasible to make managing your balances easier (bonus: automating also ensures your bills will be paid on time). Paying off credit cards monthly is a great…

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