Jenay Bowen- Summit Funding

12/29/2025

We ended last week with a small but meaningful shift—rates inched down enough to hit their lowest levels since late October.

Even though the market has been quiet, it doesn’t take big moves to create opportunity. For buyers, that can mean slightly better buying power. For homeowners, it’s a reminder to keep an eye on refinance options as we head into the new year.

This week is expected to stay relatively calm because of the holidays, but activity should start picking up as 2026 gets underway.

If you’re thinking about buying or wondering whether a refi might make sense, now is a good time to run the numbers and have a plan in place.

12/26/2025

New construction. Build job. Zero stress.

This buyer built from the ground up—and we handled everything virtually with minimal time required on their end.

👉 Builders
👉 Busy professionals
👉 Friends & referrals

This is where a lot of deals fall apart… unless you’ve got the right lender on your side.

Agent friends:
If you’re working a new build or a “this might be complicated” buyer, let’s talk before it becomes a problem.

📲 DM me “BUILD” and let’s make your next construction deal smooth.

12/26/2025

Warmest Christmas wishes from the Bowen family!!!

12/24/2025

The holidays remind me why I do this—people, partnerships, and helping buyers get home.

Wishing you a season full of peace, gratitude, and time with the ones who matter most 🎄

Agents: Let’s make next year your strongest yet.

12/23/2025

Realtors—this is why communication matters.

When lenders stay proactive, transparent, and solution-focused, deals don’t fall apart… they close.

If you want a lender who shows up for you and your clients, I’m here.

📲 Let’s talk before your next contract.

12/23/2025

Pre-Qual vs Pre-Approval is not the same thing.

One is casual, the other gets your offer taken seriously.

Let’s get you set up right! ✔️📊

Jenay Bowen
NMLS ID # 207433
Summit Funding Inc.
[email protected]
469-359-7213

12/22/2025

Monday Mortgage Rate Update

As of today, mortgage rates are still hovering near the lowest levels we’ve seen in the past two weeks. Friday closed with only a slight uptick, and there’s been no meaningful follow-through movement since then.

With the holiday trading environment in full effect, the market can feel quiet one moment and jumpy the next — often without a clear reason. Until we get fresh economic data in January, rates are expected to drift sideways with occasional volatility.

Takeaway: Rates remain relatively stable near recent lows, but short-term movement may be unpredictable through the holidays.

12/22/2025

Skipping steps cost me deals this year.

Now, I follow a clear process to keep buyers confident and close strong.

Message me if you want a lender who’s all in. 🔑📩

12/22/2025

5.0 star review received on Experience.com for Jenay Bowen by Kip B - The whole process was easy. It was extremely convenient to handle virtually everything remotely with very little time consumption.

Click to see all 738 reviews of Jenay Bowen, Sales Manager | NMLS ID # 207433

12/21/2025

A weekend away with family, fresh air, and good company before Christmas. These are the moments I’ll always be thankful for.

12/19/2025

Feeling uncertain about the homebuying process? You’re not alone. 🏡

One of our recent clients came to us with questions, concerns, and uncertainty about what their next step should be. After sitting down together, we walked through their options, built a clear strategy, and found a solution that reduced their out-of-pocket costs while allowing them to protect their savings for the future. 💰

The result? They’re officially UNDER CONTRACT on their dream home. 🎉

At The J Bowen Team, we believe education and guidance make all the difference. No matter where you are in your journey, we’re here to help you move forward with clarity and confidence.

📞 469-359-7213

12/19/2025

Choosing a fast or cheap lender could cost you big.

Ask the right questions first to avoid surprises and protect your deal.

Message me to get the answers you need before you commit. 🔍📩