Our Latest Articles
What Is Debt-to-Income Ratio (DTI) and Why It Matters When Buying a Home in Texas
Understanding your Debt-to-Income ratio is key to getting approved for a home loan. Learn what it means, how to calculate it, and how to lower it to boost your buying power. ...more
General Blog Posts
July 08, 2025•4 min read
What Are Closing Costs? A Complete Breakdown for Texas Homebuyers
Closing costs in Texas often catch buyers off guard. Learn what they include, how much to expect, and how to reduce them before closing on your dream home. ...more
General Blog Posts
July 02, 2025•4 min read
Why You Should Get Pre-Approved Before You Start House Hunting in Texas
Thinking about buying a home in Texas? Learn why mortgage pre-approval should be your very first step—and how it can save you time, money, and headaches. ...more
General Blog Posts
June 26, 2025•5 min read
The Mortgage Underwriting Process: What It Is and How to Navigate It
What really happens after you get pre-approved? Learn how underwriting works, what to expect, and how to reach “clear to close” without stress. ...more
General Blog Posts
June 18, 2025•4 min read
Mortgage Rate Buydowns: What Are They and When Do They Make Sense?
Learn how mortgage rate buydowns work, the difference between temporary and permanent options, and how to calculate your breakeven point. ...more
General Blog Posts
June 12, 2025•4 min read
Using Gift Funds for a Mortgage: What You Need to Know
Learn how to use gift funds for your mortgage down payment or closing costs—including rules, documentation, and tips to avoid delays ...more
General Blog Posts
June 06, 2025•4 min read
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