The Texas Mortgage Pros Team
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5 things to do before you start house hunting if you want a great mortgage rate.
Most homebuyers find the house first and scramble to fix their financing after. That’s the expensive way to do it.
Here’s the order that actually protects your rate:
1. Pull your credit report early and dispute any errors.
2. Stop opening new credit cards or financing big purchases.
3. Save past your down payment, closing costs and reserves count too.
4. Get pre-approved, not just pre-qualified
Shop more than one lender before you pick a rate.
Don’t ask…
“Who has the lowest interest rate?”
Ask…
“Who gives me the lowest monthly payment and lowest total cost?”
A lower rate can come with expensive discount points.
Always compare the entire loan, not just the rate.
07/08/2026
$2,000 a month in rent adds up to $24,000 a year. Some of that covers your landlord's costs. The rest builds equity in a house that isn't yours.
Meanwhile your own fund stays sitting at zero, because none of that money is working for you.
The math doesn't change just because renting feels easier right now. It just means someone else's asset grows instead of yours.
Ask your loan officer what that same $2,000 could buy you instead of rent. You might be closer to owning than you think.
📲 Comment "RENT" and let's run your numbers.
07/08/2026
First-time buyer nerves are real. Not knowing what to ask, worrying you'll miss something, wondering if anyone's actually going to explain this to you in plain English.
This is why we do what we do.
Huge thank you to Margo for trusting Jason and Darla with one of the biggest purchases of her life. Communication isn't a nice-to-have here, it's the whole job.
If you're staring down your first purchase and want a team that actually walks you through it, we're one DM away.
📲 Comment "FIRST TIME" and let's talk.
Important things first home buyers need to ask the seller after closing on a home.
Buying a home in the 80s vs. Buying a home in 2026. Did they really have it so good back then?
07/06/2026
Rates are finally moving the right way 📉
Falling oil prices + strengthening mortgage bonds = a better outlook for buyers.
Guest Post: https://entrepreneursstate.com/asset-depletion-mortgage-an-investor-friendly-loan-program/
This year, America is 250 - and few freedoms feel more personal than the freedom to own a piece of it. 🇺🇸
However you’re celebrating this weekend, we hope it includes a pride in how far this country, and your own homeownership journey, has become.
Happy 250th, America 🎇🎆
americanhome
Self employment feels like a punishment when you’re trying to buy a home. At Texas Mortage Pros we have a number of self employed home loans/non-qm loan options for buyers in the Houston metro area. Comment “self employed” below to find out your options.
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77380
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