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Down Payment vs. Closing Costs: What’s the Difference & How Much Do You Really Need?

So, you’re gearing up to buy a home in the Houston suburbs—maybe in Katy, Sugar Land, The Woodlands, Cypress, Richmond, Fulshear, or Pearland—and you keep hearing about down payments and closing costs. But wait… aren’t they kinda the same thing?…

Special Purpose Credit Programs (SPCP) Cancelled: What This Means for Your Mortgage Rate and Down Payment

If you’re gearing up to buy a home in Katy, Sugar Land, The Woodlands, Cypress, Richmond, Spring, Tomball, Fulshear, or Pearland, 2025 just threw a curveball your way. And no, it’s not a plot twist from a real estate reality…

Navigating the FHA’s New Residency Requirements: What Houston Suburb Homebuyers Need to Know

Hello, future homeowners of Katy, Sugar Land, The Woodlands, Cypress, Richmond, Spring, Tomball, Fulshear, and beyond! If you’re dreaming of settling into a new house or home in one of Houston’s charming suburbs this summer, there’s a crucial update you…

FHA Appraisal Changes in 2025: What Houston Suburb Homebuyers Need to Know

If you’re looking to buy a home in Katy, Sugar Land, The Woodlands, Richmond, Pearland, Fulshear, or Cypress, you may have heard that the FHA appraisal process just got a shake-up. But what does that actually mean for you? Are…

Child Support & Home Loans: What Every Houston-Area Buyer Needs to Know

Buying a home in Katy, Sugar Land, The Woodlands, Cypress, Richmond, Fulshear, Pearland, or anywhere in the Houston suburbs? You’ve got your finances in check, your dream home in sight—but wait! Child support payments can play a bigger role in…

Preparing to Buy a Home in Any Houston Suburb in Summer 2025

☀️ Summer 2025 is right around the corner, and you’re dreaming of backyard BBQs in your new home. But before you start picking out patio furniture, let’s talk about how to actually get mortgage-ready. Buying a home in Katy, Sugar…

Jerome Powell’s March 2025 Speech Decoded: What It Means for Mortgage Rates in Katy, Texas

On March 19, 2025, Federal Reserve Chairman Jerome Powell stepped up to the mic, and while he didn’t directly say, “Hey, mortgage rates are doing this,” he dropped enough hints for us to connect the dots.  So, if you’re a…

Why Commission, Tip, and Bonus Income Might Not Count for a Mortgage Qualification

So, you’ve been killing it at work—racking up commissions, stacking up tips, or cashing in on hefty bonuses. You’re making more money than ever, and now you’re ready to buy a house. Naturally, you assume that all this extra cash…

Say Goodbye to Medical Debt on Credit Reports: What It Means for Your Mortgage in 2025

Imagine waking up on March 17, 2025, to find your credit score has magically increased. 🍀 No, it’s not the work of a mischievous leprechaun—it’s the Consumer Financial Protection Bureau’s (CFPB) latest rule coming to your rescue.  Starting this spring,…

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