Should You Refinance Your Mortgage? Here’s How to Know (and What It Really Costs)
Refinancing, what it is, how it works, and when it actually makes sense Thinking about refinancing your mortgage but not sure if it’s the right move? You’re not alone. Whether you’re trying to lower your monthly payment, tap into equity, or pay off your loan faster, refinancing can be a powerful tool—when done for the…
Read MoreIs It Better to Buy Now? Mortgage Rates Just Dropped — But Will It Last? A Dallas Market Perspective
This month, mortgage rates eased to around 6.127% for conventional loans and 5.75% for FHA and VA programs. That’s welcome news for buyers who have been watching rates climb for the past two years. But here’s the catch: just because the Federal Reserve cut the Fed Funds rate doesn’t mean mortgage rates will keep falling.…
Read More3 Red Flags to Watch Out For When Shopping for a Reverse Mortgage
After more than 25 years in mortgage lending, I’ve learned one thing above all else: homeowners want to feel protected. They want to know they’re not being sold to, pressured, or pushed into something that doesn’t feel right. And frankly, they deserve that. That’s why when I talk with homeowners about reverse mortgages, I often…
Read MoreCan I Keep the House in a Texas Divorce? How an Owelty Lien Can Help
Going through a divorce in Texas? If you’re like many of my clients, one of the first questions you ask is: “Can I keep the house?” The good news is yes—you may be able to keep your home and fairly buy out your spouse’s share of equity with something called an Owelty Lien. Most people…
Read MoreThe Ultimate Guide to Owelty Liens in Texas
Introduction Dividing property in a Texas divorce can be challenging—especially when one spouse wants to keep the marital home. An Owelty Lien is a powerful tool that allows for a fair and practical division of home equity without forcing a sale. This guide will walk you through everything you need to know about Owelty Liens,…
Read MoreHow to Buy Out Your Ex and Keep the House After Divorce in Texas
Divorce is hard. Losing your home doesn’t have to be part of it. If you’re going through a divorce in Texas or any state for that matter, and want to keep the house, you’re not alone. One of the most common questions I get as a Certified Divorce Lending Specialist is: “Can I buy out…
Read MoreThink You Need a Huge Down Payment to Buy a Home? Think Again.
For a lot of hopeful homebuyers, the excitement of buying a home in Texas turns into anxiety the moment the word “down payment” comes up. “I’ll never save enough.”“I need a small fortune just to get started.”“I guess I’ll just rent forever.” If you’ve ever thought that, you’re not alone. But here’s the good news:…
Read MoreThe Ultimate Guide to Owelty Liens in Texas Divorce Cases
Dividing property in a divorce is never easy—especially when one spouse wants to keep the house. In Texas, there’s a powerful but often misunderstood tool called an Owelty Lien that can make this process fair and financially smart. If you live in Dallas, Fort Worth, or anywhere in Texas, this guide will help you understand…
Read More4 Growing Challenges Baby Boomer Homeowners Face—and How a Reverse Mortgage Can Help
For decades, homeownership has been the cornerstone of financial security for baby boomers. Buying a home in the ’70s, ’80s, or ’90s often meant locking in low prices and riding the wave of steady appreciation. According to the National Association of Realtors, the average homeowner over 65 is now sitting on more than $300,000 in…
Read MoreDown Payment Assistance for Self-Employed Homebuyers
EdgeAhead Program: A Game-Changer for Self-Employed Buyers in Dallas-Fort Worth Buying a home when you’re self-employed can feel like running a marathon while carrying a backpack full of bricks. Traditional mortgage guidelines rely heavily on W-2s and tax returns, which rarely reflect a business owner’s true earning power. If you’ve ever been frustrated by lenders…
Read More
