Payton Bowring

Family - Sports - Helping people get into Homes through the Hoper program.

[Payton Bowring @PaytonBowring]

FHA buyers can earn 5% of the loan amount (up to $16,000) at closing.

• No second lien
• No rate premium
• No income limits
• Same FHA rate as any other FHA loan

Plus short pre-closing education and post-closing mentorship. The money is earned income from a research program, not a grant that has to be repaid.

If you’re an LO or agent working FHA deals and want the details, DM me.

[Payton Bowring @PaytonBowring]

Rates are still hovering near 7.25%, inventory is up a bit, and prices have even ticked down slightly for the first time in years. More negotiating room is nice, but the real bottleneck for most buyers is still the cash they need at closing—and what they have left in reserves after they move in.

A lot of traditional buyer-assistance programs solve the cash problem with a second lien, a higher rate, or both. Hoper is built differently: you earn 5% of the purchase price (up to $16,000) as income at closing. No second lien. No rate premium. Same FHA rate. You also get pre-closing education, post-closing mentorship, and a fully owned solar system so your long-term housing costs stay more predictable.

Worth knowing the difference before you’re under contract.

[Payton Bowring @PaytonBowring]

@BuildWithAINo1 It is! The math looks even better when the buyer combines a builder incentive or seller concession as well. Seeing buyers get into homes for very little down!

[Payton Bowring @PaytonBowring]

Homeownership may be closer than you think. Hoper helps eligible FHA buyers with 5% of the loan amount, up to $16,000, with no second lien and no rate premium. Learn how it works. Terms apply.

[Mike Bowring @coachbow10]

Dad couldn’t be more excited for his Buffalo hunt tomorrow. Huge thanks to @PeakRefuel and @JBartMills for the excellent food on our hunt.

[Elijah Bryant @Elijah_Bryant3]

My son, peace be unto thy soul; thine adversity and thine afflictions shall be but a small moment; and then, if thou endure it well, God shall exalt thee on high.

[Taylor Larsen @TaylorLarsen21]

This @SnowCollegeFB TEAM has been through so much together this year. Hopefully still got two more to go! Here are some of my highlights so far at Snow. 4 for 3 transfer looking for a home come January! #LL74

[Taylor Larsen @TaylorLarsen21]

6 receptions for 100 yards and a TD in a 49-17 win this week down south vs. Georgia Military. BIG WEEK coming!⁦@SnowCollegeFB⁩ ⁦@ZacErekson⁩ ⁦@CoachKerns22⁩

[Austin Francis @Austfrancis1]

Some updated highlights, grateful to be back on the field with the #1 D in the country! ⁦@tjjacobson25⁩ ⁦@Janimal84⁩ ⁦@butchpauu7⁩ ⁦@Snow_Recruiting⁩

Check out my highlight - https://t.co/i9onP1GJmA

[Juab Football @Juab_Football]

Great day for football but more importantly to remember the special day it is today. So many lives changed. Thank you to those that protect our freedoms in this great country.

[LV StreamHD @DestiCandraDewi]

Juab vs Parowan - LIVE Utah High School Football 2021
on Friday, August 13 @ 7p.
@Juab_Basketball
@JuabWaspCheer
@Juab_Football
@JuabWrestling
@jhscounselor1
@PaytonBowring
@jhscounselor1
https://t.co/Xy0RPupoXQ

[Juab Football @Juab_Football]

Thank you to @PaytonBowring for talking to our team at unity camp about winning attitudes. #dontbesatisfied

[Mitch Medina @mitchmedina13]

Check out my highlight - https://t.co/ByYnItsktv

[CentraCom Local 10 TV @CentralUtahTV]

Big Congrats to @coachbow10 and the @Juab_Football Wasps on their @UHSAAinfo 3A State Final win last night! An incredible game to cap off an incredible season! Way to go STATE CHAMPS, enjoy your victory!!!🏈

Watch again anytime at https://t.co/kmcf7rokjC

[Mike Bowring @coachbow10]

Definitely a lot of mixed emotions but I’m proud of @Cadebow10 and what he has taught me. Congrats on your graduation! Continue to be humble and kind! Love you and proud of you!

[Hank Smith @hankrsmith]

Stop chasing approval from those who don’t care for you & start investing in those who want you around.

Stop trying to impress people online & start trying to uplift people in person.

Stop reading the comments on your post & start having conversations with those you truly love.

[Inky Johnson @inkyjohnson]

This is the day that the lord has made, so let us rejoice and be glad in it

[Hank Smith @hankrsmith]

I don’t know why life has to be so hard, but I know we aren’t the first people to take on pain. The heroic women & men of the past are cheering us on.

Christ descended to the depths of suffering. He has promised He won’t leave you without comfort & He always keeps His promises.

[Hank Smith @hankrsmith]

Sending love and prayers to those who are dealing with things they don’t discuss with anyone but God. Keep going.

[JUAB Wrestling - JWC @JuabWrestling]

CADE BOWRING, 3A upper weights Most Outstanding Wrestler!!

[JUAB Wrestling - JWC @JuabWrestling]

CADE BOWRING, 3x State Champ!