Jenay Bowen- Summit Funding

08/05/2025

Just helped one of my awesome clients close on their new home — and this one took some creativity!
He had his eye on a home at a higher price point, but his monthly debts were making it tough to qualify. So here’s what we did: we used part of his closing funds to pay off a few of those debts during the loan process. That helped lower his monthly obligations and boosted what he could qualify for — and boom 💥 we got him into the home he really wanted!
💡 If you're thinking about buying but worried about things like debt or qualifying, let's chat. There are often smart solutions we can explore to make it happen!

08/05/2025

Some wins are extra sweet — especially the ones that take time, persistence, and a whole lot of heart. 💪💛

Exactly one year ago, my amazing clients decided to begin the journey toward homeownership. They were hopeful, excited, and ready. Over the months, they toured homes, submitted multiple offers, and even faced some tough disappointments. At times, it felt like their dream was just out of reach.

But they never gave up.

They regrouped. They stayed focused. And today — they are officially UNDER CONTRACT on the home that was worth every step of the journey. 🏠✨

Their story is a powerful reminder: sometimes the right home takes time, but it’s always worth the wait.

To anyone who's feeling discouraged in this market — keep going. Your keys are coming. 🔑❤️

08/05/2025

📉 Mortgage Rate Recap
Last Friday’s jobs report shook the bond market—in a good way. Strong bond buying pushed rates down, and lenders responded with the lowest rates we’ve seen since early October.

The shift was so sharp that many lenders are still catching up to the market movement. If bond levels hold steady, we could see rates dip even further.

👉 If you’ve got buyers sitting on the sidelines, now is the time to re-run those scenarios.

08/04/2025

Football season has officially kicked off! Midnight madness and cheer pics completed for Braely’s Junior year!!!

08/04/2025

New federal law bans most “trigger leads” — those unwanted calls and texts you get after applying for a mortgage. The Homebuyers Privacy Protection Act stops credit bureaus from selling your mortgage application info without your consent, protecting your privacy and giving you more control. Stay tuned—this change will make homebuying less stressful!

08/04/2025

Like grandpa and great grandson!!

08/02/2025

🏡 Another Dream Under Contract!

I’m so excited to share the story of one of my newest clients—a young couple with big dreams of homeownership who just went under contract on their very first home!

He proudly served in the U.S. Army, and because of his service, we were able to qualify them for a special VA loan program that offered a great interest rate—helping keep their monthly payment within budget without sacrificing the home they wanted. 🙌

It's moments like this that remind me why I love what I do. Helping people turn the page to their next chapter, especially those who’ve given so much for our country, is an honor I don’t take lightly. 💙

Can’t wait to hand over the keys soon! 🗝️

08/01/2025

First-time homebuyers are out there searching — and the right financing can make all the difference!

As real estate pros, we know the excitement (and sometimes stress!) our buyers feel when taking that first big step. That’s why I specialize in creating solutions that turn “not yet” into “YES!” — even when the file looks tricky.

If you’ve got a buyer on the fence or a deal that’s starting to feel like a dead-end, let’s partner up and make their dream home a reality.

📲 Call/Text: 469-359-7213
💻 https://f.mtr.cool/jzmwzhxzlv

✅ Strong approvals.
✅ Creative financing strategies.
✅ A smoother path to closing.

👉 Tag a fellow agent who’s working with first-time buyers, or DM me — let’s get your clients across the finish line!

07/31/2025

Today marks a truly special moment — one that I feel honored to have been part of.

When I first connected with this incredible client, she wasn’t sure homeownership was something she could ever achieve. As a single mom of three, managing everything on one income, the dream felt out of reach. But she never gave up — and neither did we.

Together, we explored every option, crunched every number, and finally found a program that reduced her out-of-pocket expenses and made the path forward just a little clearer. It wasn’t overnight — it took months of searching, planning, and perseverance. But today, she officially became a homeowner.

This is more than just a closing — it’s a new beginning for her and her family. A place to grow, to rest, and to call their own.

And I can’t let this moment pass without a special shoutout to her amazing realtor, Khristy Deaton, who worked tirelessly to help her find the perfect home. Your dedication and heart made all the difference.

Congratulations to my client — your strength, faith, and determination made this happen. Welcome home. 🏡💛

07/31/2025

✨ From Credit Challenges to Keys in Hand ✨

This amazing client came to us as a first-time homebuyer with credit challenges that would have stopped many lenders in their tracks.

Instead of saying “no,” we partnered with a credit professional to help her clean up her credit. Once she was ready, we moved forward — even though her file was still challenging — and got her to the closing table.

Here’s what most people don’t realize: behind the scenes, we’re working with 30+ different third parties to make a loan happen. And when one piece slows down, it can fall back on us as the lender. That’s why my team fights so hard to keep the hard parts internal — so our buyers experience a smooth process (even when the road is bumpy behind the scenes).

👉 The result? A brand-new homeowner who almost thought it wasn’t possible.

If you’re an agent with a client who’s been turned down before or has credit challenges, let’s connect. I specialize in turning “not yet” into a confident YES.

📲 Jenay Bowen
📞 469-359-7213
🌐 https://f.mtr.cool/vjrbbjmbks

07/31/2025

5.0 star review received on Experience.com for Jenay Bowen by Jessica L M - The communication! I can't rave enough about it, as first time home owners being scared the whole process was tough. Mike, Jenay, and team reassured me the whole way! Im so thankful .

Click to see all 715 reviews of Jenay Bowen, Sales Manager | NMLS ID # 207433

07/30/2025

We had such a great time at yesterday’s Lunch & Learn diving into ChatGPT and AI! 🤖✨ So many valuable tips on how to market smarter, save time, and integrate AI into our daily workflow. It was inspiring to connect, share ideas, and focus on how we can continue to grow and help our businesses thrive! 💼🙌