We are proud to offer the advantage of our preferred lender, First United Mortgage, to make financing as easy as possible. The benefits include established lines of communication, loan officer's familiarity with our processes and paperwork, and our lender's commitment to being ready to close on time.
To APPLY NOW or For more information on the mortgage rates, options and application process, Contact Candice with the Kevin Swift team at: 918-392-7418 or www.swifthomeloans.net.
Setting your budget is the first exciting step toward your new home! It’s a great idea to get pre-approved early in your process so you know exactly what price range fits your budget.
When you work with our preferred lender, Candice and the Kevin Swift team take the time to understand your unique financial picture. They’ll explore every angle—loan programs, monthly payments, and how to apply our Simmons Homes incentive in the way that benefits you most. Their goal is to help you make the most of your buying power and feel confident every step of the way.
Some of the documentation you will need includes:
Personal Information (for each borrower): Social Security number, driver's license number, home addresses for the past two years, trust agreements (if applicable)
Income: Recent pay stubs, documentation on supplemental income, Employer information, W-2s for last two years, tax returns for self-employed or commissioned sales, alimony or child support documentation (if it is to be considered for the loan)
Real Estate Owned: Mortgage lender info for the last seven years, copies of leases and tax returns for rental properties, market value estimate
Liquid Assets: All Account information for Bank, Investment, 401K and credit union accounts., Last two month's bank statements, Copies of notes receivable, value of other assets such as auto, household goods and collectibles, cash value of life insurance policies, vested interest in retirement funds or IRAs
Liabilities: Credit Card Balances and Info, Installment debt, Balance and payment info for mortgages, home equity loans, auto loans, alimony or child support payments
When you work with Candice and our trusted team at First United Mortgage, you're not just getting a loan—you’re getting personalized guidance to find the financing option that fits you. There are many loan types and it can be a bit overwhelming figuring it all out. Whether you're exploring Conventional, VA, or Rural Development loans, our preferred lender will walk you through each choice and help you discover the best path forward for your unique situation.
Applying with our preferred lender is simple and stress-free—just click the “Apply Now” button above to get started. Candice and the Kevin Swift team at First United Mortgage will guide you every step of the way, making the process smooth and tailored to your needs.
It's no secret rates have increased, but remember, we can do things to bring those down for you. Rates are subject to change daily, so when you find a favorable rate, lock it in to prevent it from increasing closer to closing day.
Major credit changes can impact your loan approval. Avoid opening new accounts or making big purchases—like a car or appliances—until after closing. Even large increases to your credit card balances can show up as new debt and affect your approval. Keep things steady to stay on track for a smooth closing.
If you are uncertain about what you need or what to do, we are here to help. We have a whole team of helpful professionals from Preslee to our on-site sales specialist to Candice and her team at the bank excited to work with you in this exciting journey to homeownership.
