Buying a new home, especially your first home, is high on the life stress scale and can be immensely taxing. The stress cycle includes the uncertainty of deciding if you are ready to buy a home, apprehension about the mortgage process, the draining process of looking at homes, the challenge of making an offer, and the fear of potentially losing the offer. These factors work together to make the process of buying a home high on the list of life stressors.
Imagine having a dedicated team of coaches to guide you through every step of the home buying process. A team you can meet face-to-face, call, or text at any time, and who understand your unique circumstances. That is the value Tonya Hudgins and her team at First United Bank Mortgage in Sherman bring to the table. They are not just a number at the end of an 800-customer service call, they are your personal coaches.
After growing up in Dallas and attending the University of Texas, Tonya married into a third-generation Texas cattle family and moved to Sherman. She and her husband raised their son in the close-knit community, where they feel connected, have close friends, and enjoy the pace of life. They now have two grandchildren, and even though Sherman, much like the rest of North Texas, is growing fast, she still enjoys its small-town feel.
After a daily work commute between Sherman and Dallas, Tonya admitted it was time for a change. She wanted to work locally, be more involved in her community, and be more available for her son while he was in school. Her sister-in-law, a local real estate agent, introduced Tonya to the mortgage industry and helped her get her first closing to launch her new career. Seven years ago, First United Bank was launching a new mortgage business and presented an opportunity for Tonya to make a move.
First United Bank has a great reputation in Sherman and offered Tonya the opportunity to start something new. Tonya and her family had banked there for years, and she loved the idea of working for a local bank, writing mortgages for families in the community she loves, and servicing those loans over the long term. One can walk into the bank in Sherman and talk to Tonya and her team with the First United Mortgage Group.
Tonya’s team, including Michal Overturf and Haley Halcomb, have a combined 35 years of mortgage experience. Tonya has known Michal and her family since Michal was a baby. That long-term relationship made it easy for Michal to join Tonya’s team at First United Bank in 2021. Haley moved from another mortgage company and joined the team in 2022. These ladies found their rhythm during the refinance boom from 2020 to 2022. During this season, they learned to utilize each person's strengths to provide top customer service. Their customers regularly give them five-star reviews on Experience.com.
The team can write mortgages through government programs for first-time buyers, veterans, and rural residents. They also handle fixed-rate and adjustable-rate mortgages and jumbo loans for high-value properties. While most home refinancing is on hold, they are ready to jump if interest rates drop in the future. Having a heart for their community, they are willing to help families needing credit rehabilitation before qualifying for a mortgage. They help clients set up plans and check in with them every few months. Through all the transactions that Tonya and her team complete, they find it rewarding to get someone into the home of their dreams.
Both Michal and Haley, who work full-time and have young children, find that working as a team in a local bank allows them to be available for their families when needed. They can cover for each other, and each team member knows their customers and the details of their loans. They have found Tonya to be a great mentor and see learning and working with the best in the business as a great experience. This personal touch and availability are what make Tonya's team stand out in the industry.
Tonya and her husband are avid college football fans and love traveling. They might be at a rodeo in Oregon, a Texas Tech football game, or joining friends in Las Vegas for a long weekend. But they find the most joy in simply spending time with family and their two granddaughters.
Tonya and her team are deeply rooted in the Sherman community. They actively participate in Grand Central Stations' Dining Car Program, are members of the Sherman Service League, support local school districts and sports teams, and are active members of the Sherman and Denison Chambers of Commerce. Their commitment to the community is further demonstrated by their active membership in the Greater Texoma Association of Realtors, for which they were recently awarded the Affiliate of the Year honor.
You do not often find a team environment ready to collaborate and serve the community in so many ways. They subscribe to a philosophy of God first, family second, and work third.
Team Hudgins | First United Mortgage Group
903.813.5711
TonyaHudgins.com