Frederick Owens NMLS#1610630

05/12/2023

11/01/2022

Did you know you could improve your credit score with ONE simple FREE step? 👇🏽

Most people don't know this, but you might have an error on your credit report that has not been corrected and it's been weighing it down. It can be as simple as filing a correction and waiting to hear back!

Go to www.freecreditreport.com and get a FREE copy from one of the credit bureaus and go from there. See the carrousel for more details 👀

I'm always happy to chat with clients about their credit, and earn your business with a little extra work. If you have questions about your home loan options, I can help answer them today. Contact me by clicking the link in my bio!

**Disclaimer: NASB does not provide credit counseling advice. This material has been prepared for informational purposes only, and is not intended to provide, and should not be relied on for, credit counseling advice. You should consult your own tax, legal and accounting advisors before engaging in any transaction.

10/26/2022

4 ways the new student loan forgiveness plan may help you buy a home👇🏽

1. Cash for a down payment 🏡

2. Lowing your debt-to-income ratio (DTI)📈

3. Eliminate private mortgage insurance🏦

4. Improve your credit score🕓

Follow me at to be up-to-date in all things home loans 📲

10/18/2022

How to qualify as a First-time Home Buyer 👇🏽

If you're deciding it's time to take the plunge and buy that first house, there's good news for you! First-time home buyers can take advantage of special mortgage products and programs with flexible guidelines to help make it easier. But specific qualifications will need to be met for each.

👉🏽Scroll through the carousel to learn what the programs and options are, and click the link in my bio to get in touch with me today if you have any questions at all!

Buying a home for the first time does not have to be a scary task. Find yourself a team that can make this a pleasant experience for you 🫰🏽

Follow me to learn more about all things home loans 📲

06/15/2022

🚨NEW SERVICE ALERT 🚨 Do you have unconventional needs that require creative solutions? Are you a realtor with clients that need different kinds of loans? My new Product of the Week is just for you!

Every week I will highlight a different kind of loan my bank offers. These are a great way of exploring ALL options for yourself or for a client. This week I'm highlighting the✨No Personal Income Mortgage Loan ✨

- Scroll to see the benefits and facts 👈🏼
- NASB offers this investment property loan that looks at your debt service coverage ratio (DSCR), NOT your personal income, to determine eligibility.

Hit me up at the link in my bio to ask any questions about this option! Happy to chat more and explain in depth 🏦

Follow me at for more FREE mortgage loan advice 📲

06/06/2022

4 things you can do to lower your interest rate 👇🏽

Slide through the carrousel to learn four different ways in which you can lower the interest rate on your home loan. Summary here:

1. Keep up a good credit score: Check out my previous posts about credit score and reach out if you have doubts on how to improve yours.

2. Shop around with lenders: I always tell my borrowers, if your lender is telling you to not contact other people, it's because they're not confident that they're offering you the very best. Go shop around!

3. Call your current lender after you've shopped and see if they can offer the same or better than others!

4. Shorten the term of the loan: exploring this option is worthy depending on each person's finances.

Click the link in my bio to get pre-approved today or to simply allow me to guide you on your mortgage journey 📲

Follow me for more FREE mortgage advice! ✅