Should I Remove My Ex-Spouse From the Mortgage Before or After Divorce?
The short answer is yes—if possible, you should understand your mortgage options before your divorce is finalized, not after. One of the first questions people ask me during a divorce consultation is, “Richard, when should I remove my ex from the mortgage?” Unfortunately, many people don’t ask that question until it’s too late. After more…
Read MoreWhat You Think You Know About Reverse Mortgages Is Probably Wrong
For years, reverse mortgages have been surrounded by myths, misinformation, and outdated opinions. Unfortunately, many homeowners dismiss them based on something they heard decades ago from a friend, a family member, or even a television commercial. I am here to provide you the facts. I have been teaching retirees, Realtors, Loan Officers, and financial planners…
Read MoreReverse Mortgages in 2026: What Texas Homeowners 62+ Need to Know Before They Apply
If you’re 62 or older and sitting on significant home equity, you’ve probably heard the term “reverse mortgage” thrown around — often with more confusion than clarity. Maybe a relative warned you it’s risky. Maybe you saw a commercial promising “free money.” The truth, as usual, sits in the middle — and in 2026, several…
Read MoreTexas First-Time Homebuyer Programs in 2026: Free Money You Probably Don’t Know About
Here’s something most Texas homebuyers never find out until it’s too late: the state of Texas offers over 75 down payment assistance programs in 2026 — and many of them give you money you never have to pay back. If you’ve been sitting on the sidelines because you don’t think you have enough saved for…
Read MoreIs Now a Good Time to Buy a Home in DFW? What Plano Homebuyers Are Asking Right Now
If you’ve been sitting on the fence about buying a home in the Dallas-Fort Worth area, you’re not alone. In fact, right now is one of the most searched topics among Texas homebuyers: Is 2026 a good time to buy? The short answer: yes — and here’s why the data backs it up. After years…
Read MoreHow AI is Changing the Way Texans Shop for a Mortgage- Why You Still Need a Local Expert
Artificial intelligence is reshaping nearly every industry, and the mortgage world is no exception. From AI-powered rate comparison tools to chatbots that explain loan terms at midnight, today’s homebuyers in Dallas, Plano, Frisco, and McKinney have more information at their fingertips than any generation before them. That’s mostly a good thing. But there’s a critical…
Read MorePlano Home Buyers: How to Save Thousands with a Free 1-0 Buydown and the New VantageScore Mortgage Advantage
If you’re thinking about buying a home in Plano, Frisco, McKinney, Allen, Prosper, Celina, Little Elm, The Colony, Richardson, Carrollton, or anywhere in the Dallas-Fort Worth Metroplex, there are two major opportunities available right now that could significantly reduce your homebuying costs. For a limited time, I’m offering a FREE 1-0 Temporary Rate Buydown for…
Read MoreCan I Refinance During a Divorce in Texas?
One of the most common questions I hear from homeowners going through divorce is: “Can I refinance before the divorce is final?” The short answer is:Sometimes — but it depends on timing, the divorce agreement, and how the mortgage is being structured. In Texas, divorce refinances can become complicated quickly if the mortgage strategy is…
Read MoreCash-Out vs Rate-and-Term Refinance in Texas: What Divorce Clients Must Know
If you’re going through a divorce in Texas—or advising someone who is (this is meant for your divorce attorneys)—understanding the difference between a cash-out refinance and a rate-and-term refinance isn’t just helpful. It can directly impact: Whether the home can be kept How much equity can be accessed And how much the loan will cost…
Read MoreAre Your Owelty Liens Costing Clients Thousands?
If you’re a family law attorney in Texas—or going through a divorce involving real estate—there’s one critical question you need to ask: Is the Owelty Lien structured correctly for financing? Have you double checked the title history? An existing Texas cashout refinance will prevent the use of an Owelty lien. This means that no division…
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