Jenay Bowen- Summit Funding

11/17/2025

🎖️ They told him 5 MONTHS…
We got it DONE in under 30 DAYS. 💥

This VA buyer was told to wait by the builder’s lender — but we don’t do “wait and see.” We do get it closed.

Grateful to serve those who’ve served us. 🇺🇸
Happy to report: this veteran is now a homeowner — and we’re just getting started.

🧩 Tough files. Tight timelines.
We solve problems, not stall closings.

📲 Agents — when your buyer gets stuck, call me.
Let’s turn dead ends into doorways. 🏡

11/16/2025

Real estate can feel lonely — especially when you’re chasing complex deals with no real support behind you.

The agents I work with know they don’t have to do it alone. I’m in the file with them, helping navigate buyers who other lenders might call “too hard.”

Because connection is key — and I show up like a teammate, not a transaction.

💬 DM me if you’re tired of working in isolation. Let’s win deals together.

11/15/2025

🏡 Thinking about upgrades for the new year?

Use your home’s equity to:
✨ Remodel your kitchen
🔥 Add a cozy outdoor fireplace
💡 Consolidate debt before 2026
✅ Build that pool you’ve been wanting (so it’s ready by summer!)

Tap into the value you’ve already built — without refinancing your low rate.

➡️ See how much equity you can access: https://forms.office.com/r/WMkbhEwfVY

11/14/2025

11/13/2025

Thinking about buying or refinancing your home in a trust? Here’s what you should know — and why it might make sense.

💡 Why homeowners use a trust:

✅ Avoid probate. When you pass away, property held in a trust can transfer directly to your heirs without court involvement — saving time, legal fees, and stress.
✅ Maintain privacy. Unlike a will, a trust isn’t part of the public record, so your estate stays private.
✅ Plan for incapacity. A trust lets your chosen trustee manage your property if you become unable to do so.
✅ Simplify estate planning. Owning your home in a revocable living trust can help consolidate assets under one estate plan and ensure a smoother transfer to your family.

🔍 Mortgage guidelines:

Revocable living trusts are generally acceptable — you (the borrower) remain the trustee and beneficiary, so you still control the home.

Irrevocable trusts usually aren’t allowed because you give up that control.

In Texas (and other community property states), both spouses typically sign the Deed of Trust even if only one is on the loan, to preserve homestead rights.

📋 Pro tip:
Always review the trust with your lender and title company before closing. A few small changes in how it’s written can make the difference between a smooth approval and a delay.

➡️ Thinking about buying or refinancing a home in a trust? Let’s walk through your options so your estate plan and mortgage goals work hand-in-hand.

11/12/2025

Real estate isn't perfect. Neither are we.

But with the right team, even the messiest files can turn into closed deals.

(And yes, I snapped this mid-conference — because great ideas can hit anywhere!)

DM me if you’re ready to build your buyer success team.

11/12/2025

100+ Down Payment Assistance Options You Should Know About

Not all down payment assistance programs are created equal 👀

We recently helped a client compare their original DPA option side by side with other available programs — and we saved them $3,000 in closing costs plus got them a lower interest rate 🙌

That’s why it’s so important to work with a local lender who has access to 100+ DPA programs across Texas — not just one or two.

I’m Jenay Bowen, a local lender here in DFW, and my goal is to help you find the best program to fit your goals and budget.

💻 Learn more or apply online: www.thejbowenteam.com

📞 Call or text me at 469-359-7213

11/11/2025

Today, we honor and thank all the brave men and women who have served our country. Your courage, dedication, and sacrifice inspire us every day.

If you’re a veteran looking to buy a home, we’re proud to offer several programs designed to make homeownership more accessible and affordable for you. 🏡

Thank you for your service — it’s our privilege to serve you in return. 💙

11/11/2025

There’s a lot happening in the mortgage world right now 👀

From talk of 50-year mortgages 🤯 to Fannie Mae removing the 620 credit-score limit — I’m breaking down.

🎥 Watch my full breakdown here → https://youtu.be/s502CuxYLFg?si=BoJTqa1Ld-VZ3yJz (You Tube link in bio)

Would love to hear your thoughts — what do you think about these changes?

11/10/2025

There’s growing talk that a government shutdown could end this week if enough House members return to D.C. — but the market isn’t convinced just yet.

We saw some early bond market weakness tied to that chatter, followed by a quick recovery (even without any real news). Translation: investors are skeptical.

If the shutdown does end soon, we could see bonds weaken a bit — and that can put some pressure on mortgage rates. But the real reaction will depend on official confirmation, and that could still take several days.

For now, it’s all about waiting for solid data — and the September jobs report may be the next big mover.

11/10/2025

It’s been quite the journey for our clients who have been searching for the perfect home all year long. After several offers that didn’t quite pan out, they kept the faith, and their patience has finally paid off.

When this home—just a few years old and a foreclosure—came on the market, they knew instantly it was the right place. After all their efforts, it felt like the universe was finally aligning.

We couldn’t be happier for them as they move forward with their new home. Sometimes the road to the right place can be a long one, but the results are so worth it.

Here’s to new beginnings and to trusting that the perfect home will find you when the time is right! 🏡✨

11/10/2025

5.0 star review received on Experience.com for Jenay Bowen by Robert D - of options in explored and found the best one for us to finance our home.

Click to see all 728 reviews of Jenay Bowen, Sales Manager | NMLS ID # 207433