Richard Woodward | (214) 945-1066

Think 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:…

Down 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…

Let’s break down what you’re really paying for on closing day. If you’re getting ready to buy a home, you’ve probably heard the term “closing costs” thrown around. But what exactly are they—and how much should you expect to pay? Pro Tip: Your down payment isn’t the only money you’ll need at closing. A lot…

FHA Loan Requirements Explained (Without the Jargon)

Thinking about buying a home but not sure if you qualify? You’re not alone. One of the most common loan types I help folks with is the FHA loan—and for good reason. It’s flexible, affordable, and designed to help buyers who may not have perfect credit or a huge down payment saved up. If that…

What Credit Score Is Needed to Buy a House? Let’s Break It Down

Hey home shoppers! If you’ve been thinking about buying a home, you’ve probably heard a lot of buzz around credit scores. And I get it—it’s one of those topics that feels like it should be straightforward… but somehow, it’s not. So let’s clear up the confusion and talk about what credit score you actually need…

How to Get Pre-Approved for a Mortgage (And Why It’s Your First Step)

For most homebuyers, especially in a competitive market like Dallas-Fort Worth, the home search doesn’t start with browsing listings — it starts with a mortgage pre-approval. Think of it as your permission slip to shop for homes confidently and seriously. In this post, I’ll walk you through exactly what mortgage pre-approval is, why it matters,…

Navigating the 2025 Housing Market: Opportunities Amidst Rising Inventory in Dallas-Fort Worth

If you’ve been waiting for the Dallas housing market to shift in your favor, it’s finally happening. Inventory is rising, the days of wild bidding wars are cooling off, and both buyers and sellers have some real opportunities to make smart moves this year. As someone who’s been helping people buy, sell, and refinance homes…

VA Loan Assumption & Entitlement Restoration: What Every Veteran Needs to Know

For many veterans, the VA loan program is one of the most powerful benefits available — offering zero-down homeownership, no private mortgage insurance, and competitive rates. But what happens when you’re ready to sell your home and someone wants to assume your VA loan? More importantly, what happens to your VA entitlement? This is where…

Mortgage Rates in 2025: Should You Lock In Now or Wait for a Drop?

As we navigate through 2025, many of you have been asking about the current state of mortgage rates and what we might expect in the coming months. Let’s dive into the latest insights to help you make informed decisions about your home financing. Current Mortgage Rate Landscape As of February 2025, mortgage rates have been…

Breaking Into the Dallas Market: Smart Moves for First-Time Buyers

Buying your first home can feel overwhelming, especially with rising prices on just about everything—gas, groceries, and yes, even homes. But here’s the good news: homeownership is still within reach, even in a competitive market like Dallas-Fort Worth. The trick is thinking strategically about where and what you buy. Let’s talk about some smart moves…