Key Mortgage

Wishing You a Joyous Passover & a Happy Easter! 🕊️

As families gather to celebrate renewal, freedom, and new beginnings this week, we’re reminded of what truly makes a house a home—love, tradition, and connection.

Whether you're searching for your first home or planning your next move, I’m here to help you open new doors this spring.

Happy Passover & Easter to you and your loved ones!

No W-2? No problem. 🙌

Business owners, side hustlers, and 1099 earners —you’ve got options.

📌 Bank Statement Loans use your actual income deposits, not your write-off-heavy tax returns.

So yes, that real income you’re bringing in? It can help you qualify for a mortgage.

More people qualify than you think.

Share this with someone who can benefit from this info.

— Tracy, proudly serving Houston as your friendly, local mortgage pro

It’s not magic—it’s preparation! Here’s how you can speed up the process and get that golden “You’re pre-approved!” email in less time than it takes to binge a Netflix series 👇

-> Step 1: Gather Your Docs
Lenders love paperwork, so have these ready:
✔️ Last 2 pay stubs
✔️ Last 2 years of tax returns (if self-employed)
✔️ Bank statements (proof of down payment funds)
✔️ ID & Social Security Number (to pull credit)

-> Step 2: Know Your Credit Score
Most lenders require 620+ for a conventional loan, but the higher, the better! A 740+ score can help you lock in a lower interest rate.

Pro tip: Check your credit report for errors before applying. A small fix could save you thousands over time!

-> Step 3: Avoid Major Financial Moves
🚫 No new car loans 🚫 No big credit card splurges 🚫 No job changes

Lenders want stability—keep your finances steady until that approval is locked in!

-> Step 4: Work With the Right Mortgage Pro
I can turn around approvals in 24 hours or less—but only if you’re ready! Work with someone who knows today’s market and can get you the best deal.

❤️ Save this post for future reference & send it now to someone who needs to see this!

CALL ME 📞 713-213-0660