Tewes Mortgage

Customer service and accessibility is our strength, and we pride ourselves on guiding clients through the loan process smoothly and truthfully.

We understand what’s most important to our clients. They want to know they’re getting the best deal and the best service from someone who cares. That’s why we're available 24/7 to help you achieve your goals. We utilize accounting and financial expertise to quickly and easily maneuver through the complicated mortgage business on behalf of our clients in order to create the optimal mortgage solution. We thoroughly understand the mortgage business, and have the resources necessary to finalize every deal.

Congratulations to my buyer, Joe, who bought his future retirement home in Little Torch Key!

Congratulations and thanks to Marty and Randi for entrusting me with their home mortgage!
Purchased a beautiful home in Marathon.

Brian Tewes, President of Tewes Mortgage Company dping market research on Lake Hartwell. Brian is licensed in 49 states and can help you get a new mortgage or refinance an old mortgage. Call him at 305-495-6000

Brian Tewes president of Tewes Mortgage doing market research in Hartwell, Georgia. Brian is licensed in 49 states. Give him a call at 305 495-6000 for your next mortgage or refinance.

Congratulations new homeowners! Stan and Christopher Cierniak and James Longmuier with Brian S. Tewes at the closing table after buying their home in Summerland Key.

Lori Joy and Brian Westlake are with Brian Tewes of Tewes mortgage. Congratulations to the happy couple,they just closed on their beautiful new home

Look for our ad in the WEEKLY newspaper.

Happy 😃 happy 😃 happy 😃 clients,Joseph and Bonnie Barth are with mortgage broker Brian Tewes of Tewes Mortgage.
Congratulations to Joseph and Bonnie on the purchase of their new home!!

[04/02/18]   We have a new location!!! Please come see our new space in Town Square Mall. 11400 Overseas Highway Suite 212, Marathon FL 33050

Congratulations to Olga Padon and son Steve Torna on the purchase of their new house. Tewes mortgage is so glad we could help get you into your new home. We wish you many years of happiness.

Congratulations to first time homeowners Raul Llanes and Zaida Morales Chavez, shown here with their mortgage broker Brian Tewes. Brian loves helping people achieve their dream of owning their own home.

Here is a fantastic opportunity for someone looking for a career change or to have the opportunity for a huge growth in the mortgage industry.

Is Your Home’s Value Rising? You Might Have More Equity Than You Think

Here’s How Home Equity Works

Say you owe $170,000 on your mortgage and your home is worth $220,000. You now have $50,000 of equity. You can then access that equity in the form of home equity loans or home equity lines of credit. If you sell your home, your equity can leave you with extra cash, once the sale closes.

Homeowners tend to build equity over time, by making mortgage payments each month. They can also build equity if their home value steadily rises. Just remember that there are no guarantees regarding your home’s value: It might not rise while you own it.

For more information, reach out to Tewes Mortgage at (305) 495-6000 or [email protected]

[01/16/18]   It’s Tuesday! And that means Brian Tewes is on US one radio just after 9 o’clock. Turn into bazaar bizarre for all the news on mortgages, loans for everyone.

Don’t Be Discouraged With A Low Score! You Could Still Qualify For A Mortgage!

If your online credit score isn’t what you expected…or what you want it to be…don’t despair. The credit score that you’ve been seeing might not actually be the one that mortgage lenders use to determine if you’d qualify for a loan.

Middle Wins! Remember, lenders often pull your FICO credit score from all three credit bureaus: Equifax, Experian and TransUnion. With those three scores in hand, they throw out the highest and the lowest scores, leaving the middle score to determine if you’ll be approved for a home loan. And, if the lender gives you a green light to get a mortgage, that middle credit score will be used to establish the interest rate and fees you’ll be charged.

Reach out to us at (305) 495-6000 or [email protected] for more info on your credit scores!

Know The Limits Of Your Inspector’s Assessment

Homebuyer Tip:
Hire a certified, licensed, bonded, insured, trusted and recommended home inspector!

Home Seller Tip:
Have a home inspection done before you list your home for sale by a certified, licensed, bonded, insured, trusted and recommended home inspector!

Home Seller Tip:
Offer a home warranty on your home to cover all major systems to give the homebuyers peace of mind.

Reach out to us at [email protected] for recommended Inspectors and how to go about your home inspections!

Buying A Condo? Applying For A Mortgage Can Be Trickier

You’ve decided to downsize and ditch the yardwork. You’re ready to buy a condominium, and you need a mortgage loan to finance your purchase.

We can help. We know all about condo loans.

But be advised: Taking out a mortgage loan to buy a condominium unit is a bit different than doing so to buy a single-family home.

You’ll still need good credit, a down payment and manageable debt levels to qualify for a condo loan. The big hang up? In most cases, your lender doesn’t just have to approve you for a loan. It also must approve your condo building and the association that runs it.

If you need more help with this, reach out to Tewes Mortgage at [email protected] or (305) 495-6000 and we'll be happy to assist you!

Please join us at the Florida Keys Celtic festival at the Marathon community park

5 Reasons To Not Fear Home Selling

Selling your home can be stressful, we know. But, having an experienced resource on your side (us, your real estate pros) can help alleviate the anxiety and make your home selling experience smooth.

Get educated. Know as much as you can about the home selling process, whether you’ve sold a home before or not. Common practices and procedures change, especially over time and in a new location. We can answer any questions you have.

Be prepared. Start preparing for listing your home long before it goes on the market. Start decluttering, deep cleaning, paring down belongings, making repairs and staging as soon as you think about selling.

Encourage teamwork. Get the whole family in on making it part of the daily routine to keep the home clean and clutter-free during the time it’s on the market. If you can’t devote the time, be sure to hire a maid service, lawn service, or both to assist.

Tewes Mortgage is here to assist you in selling your home! Just reach out to us at (305) 495-6000 or [email protected]

This is the logo that can make your dreams come true. Call Tewes mortgage for the financing you need, for your dream home or investment property. You can have a great new year with the help of Brian Tewes!

What Steps Can You Take To Help The Lending Process Go Smoothly?

We know that buying a house is stressful. We know that applying for a mortgage loan while you’re doing this can add even more stress.

That’s why we work to make the lending process as easy as possible. The goal is to make applying for a mortgage loan a stress-free process. That’s what we do.

But there are certain steps you can take to help us meet this goal. Fortunately, they’re fairly simple.

First, be completely honest when filling out the Uniform Residential Loan Application. You’ll complete this application to start the mortgage process. You’ll have to fill out your current address, along with the full name and Social Security numbers of everyone whose name will be on the mortgage loan.

Need more information? Reach out to us at (305) 495-6000 or at [email protected]

[12/26/17]   Brian Tewes will be on Biz Baz, US one radio ,104.1,with Leigha Fox just after 9 o’clock this morning. Tune in and find out more about mortgages in the Florida Keys. And how Brian can help you secure a loan for the home of your dreams

What Should You Know About The Cost Of Remodeling?

If you’re remodeling a bath or kitchen, you might notice that contractors often leave off the cost of materials. What, then, is the true price? It’s far easier for your contractor to list the cost for demolition, disposal and installation, but the price of the materials you choose is entirely up to you.

CABINETS For example, in a high-end home, you’re likely to choose expensive cabinets whereas if you were in a small starter home you might choose basic cabinets. The price difference between the two choices can be huge, so you’ll have to do some shopping to get ballpark figures from cabinet manufacturers for the style of cabinets you like and how many you need to fill your space.

COUNTERTOPS Depending upon your tastes—and budget—you can choose laminate or marble, tile or granite, and so much more. Prices vary greatly so you’ll have to investigate what material you plan to use, find a supplier and get a cost estimate that way. Remember, installation costs also vary on material type.

APPLIANCES Do you have your heart set on a stainless French door, convertible freezer with ice and water dispenser? One dishwasher or two dishwasher drawers? Convection oven, wall ovens, cooktop, fan/microwave combo or decorative exhaust fan? Reusing a relatively new fridge or stove? The options are endless and so are the price differences. Take a tour of your local appliance store to ballpark your appliance costs.

If you need any more tips about remodeling your home and how much it might cost you, reach out to Tewes Mortgage at [email protected] or call us at (305) 495-6000

Sellers’ Fees When Closing? There Aren’t Many

Buying a home can be expensive. Besides paying for the actual house, you’ll also have to pay the closing costs and fees associated with taking out the mortgage loan you need to finance your home. Those fees can often run in the thousands of dollars.

But what happens when you sell? What fees do home sellers pay?

The good news? There aren’t many extra fees outside of the agent’s commission. Sellers will only often pay nominal fees associated with paying off their mortgages.

The biggest fee you’ll pay is your real estate agent’s commission. This commission will vary, but the national standard is 6% of the home’s final sales price. Your agent will split this fee with the agent representing your home’s buyer. For example, if your real estate agent’s commission is 6%, that split means each agent in the home sale will get paid 3% of the sales price.

Tewes Mortgage can help you find information about sellers' fees or any other final fees after you finish a sale. Reach out to us at [email protected] or (305) 495-6000

How Can You Increase Energy Efficiency In Your Home?

Having issues with your electric bills or other utilities? Here are some tips that can help you lower those costs:

BULBS: Change incandescent bulbs to LEDs and CFLs to save on heat generated and electricity used.
DISHWASHER: Smart dishwasher habits save water and electricity and include skipping the pre-rinsing, running full loads, and air-drying the dishes.
WATER: Turn off the water when you’re washing dishes, brushing teeth, shaving, sudsing up in the shower, etc. and watch water consumption go down.
PLANTS: Plant some native species plants in your yard to use less water.

If you need any other tips about saving costs, reach out to Tewes Mortgage at [email protected] or (305) 495-6000

What Happens When That First Home Inspection Turns Up Trouble?

You got pre-approved for your mortgage loan. You found the home of your dreams. You made an offer, and the sellers accepted.

All is well, right? Maybe not. You first have to wait for the results of the home inspection.

After a seller accepts your offer, you then need to schedule a home inspection. An inspector will tour the home you want to buy—with you in tow, ideally—confirming all is well with the home, but keeping an eye out for any problems.

In most inspections, the problems found are small, like a leaky faucet. But in others, an inspector might find serious, and expensive, problems, anything from a sinking foundation to a leaking roof to an HVAC system on its last legs. As the buyer, what do you do if your inspector turns up such costly problems?

Sellers handle the repairs: Ideally, the sellers will agree to fix the problems before transferring ownership of the home to you. Ensure that they agree to fix the problems to your requirements, and request another inspection or review after the fixes are complete.

If you need to know anymore about how a seller can help you get your home all fixed up, reach out to Tewes Mortgage! We'll be happy to explain the process!

How Do You Buy A New Home And Sell Your Existing One At The Same Time?

This could be a big challenge: Selling one home and buying another at the same time. It all comes down to timing. What if you find your dream home and want to buy it, but you haven't sold your existing home yet? Could you afford to make two mortgage payments each month until you sell your existing home? Most homeowners probably can't. But you do have options:
-Do it all at Once: If you can financially afford this option, buying a new home and selling your old one isn't as hard as you think.

-Make a Contingent Offer: Get pre-approved for a mortgage, and get a pre-approval offer from a lendor.

Tewes Mortgage is here to help, and if you need it, reach out to us!
[email protected]
(305) 495-6000

Buying In A Sellers Market

Here are some creative tips to help you find the house you want:

-Explore expired and withdrawn listings: Perhaps the home was overpriced in the recent past and didn’t sell. Now’s the time to approach these owners to see if they’ll sell

-Jump on new listings:Talk to us about hot, just-listed and about-to-be listed homes

-Contact owners: We can contact owners of homes in areas you’re interested in and explain to them we have a buyer ready and waiting to purchase their residence.

-Utilize connections: We can find out about homes that may not be on the MLS

If you want to know anymore tips, reach out to Tewes Mortgage at (305) 495-6000 or [email protected]

Tewes Mortgage wants to remind everyone that we're here to help any Hurricane Irma victims in the best way we can. If you need any mortgage advice regarding the hurricane, reach out to us at (305) 495-6000 and we will be happy to help!

Make sure to keep these tips in mind:

If your home was in a Presidentially-Declared Major Disaster Area (PDMDA), the FHA 203(h) program could help you with up to 100% financing on a new home!
Eligibility Requirements:
-Minimum Credit Score of 580
-Primary Residence Only
-Borrower must have been the owner or the tenant of the damaged property (documentation required)
-The current home must be located in the PDMDA and must be destroyed or severely damaged
-The new home does not need to be located within a PDMDA
-You have one year from September 10, 2017 to make an application

[09/15/17]   If you were impacted by Hurricane Irma, you may qualify to take advantage of one or more of the following financial benefits:

1) Mortgages: Fannie Mae, Freddie Mac, FHA and VA have loan payment forbearance options for homeowners. Contact your individual mortgage company as soon as possible to find out if you qualify for the following options due to living in a federally declared disaster area.
a. Potentially postpone from three months up to one year of mortgage payments.
b. Make extra payments once the forbearance time expires to catch up on the missed payments.
c. Missing payments in the forbearance period will not be reported to the credit bureaus.
d. During the forbearance period your loan cannot be referred for foreclosure.

2) Student loans: contact your student loan company to see if they are offering forbearance options. The largest student loan servicer, Nelnet is offering forbearance options for up to three months.

3) Credit cards: call your individual credit card companies to see if they are offering any forbearance options for the monthly payments. If they are offering payment options, verify that the “late” payments will not be reported to the credit bureaus.

As your local mortgage expert, I look forward to helping all of my neighbors recover from this devastating disaster. For free information about the options above or any other mortgage related matters, please call me 24/7 at 305-495-6000.

Tewes Mortgage

Education is a homebuyer’s friend! Know your neighborhood. Know the price points. Know the competition. Know what’s sold where and when for how much. Know yourself!

Be ready. If you find a home that strikes your fancy when you drive up or walk in that front door, be ready to submit a purchase offer for the best price (close to list, list or more than list—we can advise) immediately.

Plan ahead. Work with a pro—like us—to get the best information on the newly (or soon-to-be) available homes. You don’t want to miss out!

Tewes Mortgage has a lot of tips to help you buy your new home! Just call us at (305) 778-6271 and we will be happy to help!

We want to make sure you know the facts about selling your home in our local real estate market. So, if you want to be a part of the successful home-selling landscape this year, keep reading.

FICTION: I can get every dime back that I put into my house for remodeling.

FACT: Buyers know what other homes like yours sell for and they’ll offer similar amounts to buy yours, adding (and subtracting) where necessary for your home’s features (or failures). Stop collecting and adding up all the receipts for every little improvement and update you did to your home. Your home’s selling price is determined by the current real estate market.

FICTION: Setting a high price leaves plenty of room for negotiation.

FACT: Buyers are smart and often skip touring overpriced homes. An overpriced home often results in no offers to negotiate.

FICTION: Staging a home to look like a model home is only necessary for luxury homes and new construction.

FACT: Every homebuyer at every price point desires a welcoming home. Get rid of clutter and set up your home as if it were a model home, waiting for that right buyer to walk through the door. It doesn’t take new furniture and accessories; use what you have (or borrow from neighbors) to achieve the ultimate “buy me” look for every room in your house. (We can refer you to professional stagers or give you tips to DIY.)

FICTION: Counteroffers aren’t necessary as a better offer will come along soon enough.

FACT: Never ignore a single purchase offer. That first offer, well, it just could be your only offer due to the buyer’s preferences, timeline, budget and more. Respond promptly to every offer with a thoughtful counteroffer that works to bring you and the homebuyer closer to a deal.

FICTION: Curb appeal doesn’t matter if the inside of my home is a show-stopper.

FACT: Some buyers will not get out of the car if the house doesn’t look inviting. You don’t have to redo the landscaping and repaint everything. Cleaning off your walkway/driveway, trimming bushes and trees (and taming the weeds), putting out a new door mat and perhaps washing or painting the front door can make a positive first impression to those touring your home.

There is a lot of information here, and hopefully it will help you with selling your home in today's market. If you need any other helpful tips or ideas, reach out to Tewes Mortgage at (305) 495-600

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10095 Overseas Highway
Marathon, FL
33050
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