Frost Mortgage Lending Group

06/01/2026

June is National Homeownership Month! The keys to a new home open more than a door. They unlock opportunity, build wealth, strengthen community, and offer owners the freedom to create the life they envision. Happy Homeowning! Frost Mortgage Lending is an Equal Housing Lender.

05/29/2026

There may be more opportunity ahead for homebuyers than many people realize.

According to a recent Redfin report, empty nesters currently own 28% of the nation’s large homes, while millennial families own just 16%. Even more importantly, nearly 58% of those empty nesters have no mortgage, meaning many are no longer financially tied to staying in their current home.

As affordability continues improving, experts believe more homeowners may begin downsizing, creating additional inventory in the family-home market.

What that means for buyers:
· More homes could hit the market in the coming months
· Buyers who are pre-approved will have the advantage
· Waiting until inventory rises could still leave unprepared buyers behind

The buyers who are financially ready when more homes become available will be in the best position to act quickly and confidently. If you’re thinking about buying, now is a great time to put a plan together before competition increases again.

Source: Redfin – “The Great Housing Mismatch: Empty Nesters Own 28% of the Nation’s Large Homes; Millennial Families Own 16%”

Call today to discuss your options and see what you may qualify for!

05/28/2026

Did you know your Restricted Stock Units (RSUs) may help you qualify for a home loan?

Many companies, especially in tech and growing industries, offer RSUs as part of your compensation package. As those shares vest and gain value, they may be considered as qualifying income for your mortgage.
That means your stock compensation could help increase your buying power, even beyond your base salary.

If you receive RSUs and are thinking about buying a home, you may have more options than you realize.

Let’s connect and explore how your full compensation package could help you become a homeowner. Call today for more information!

05/27/2026

When buying a home, most people focus on rates, payments, and price and as your lender, those are absolutely important, but there’s another factor many buyers overlook: the neighborhood itself.

80% of Americans say neighborhoods used to feel like natural places for connection and belonging. Used to.

Today:
· 42% say their neighbors mostly keep to themselves
· 41% say knocking on a neighbor’s door feels too bold
· Only 1 in 6 people actively seek neighborly interaction

At the same time, 80% agree that strong neighborhood connections improve quality of life.

Why does this matter?
Because homeownership is one of the biggest financial decisions you’ll make and choosing the right home also means choosing a place that supports the lifestyle you want long-term.

As you plan your purchase, think beyond the monthly payment:
· Does this neighborhood fit your lifestyle?
· Does it feel welcoming?
· Will you feel connected here?
· Is this a place you’ll truly enjoy calling home?

Here at Frost Mortgage Lending Group, our goal is to help people finance the home responsibly, but we also want you to feel confident in the bigger picture of your investment.

If you’re preparing to buy, we’re here to help you make smart financial decisions for both your home and your future.

Call today to get started!



Source: Rory Arnold, “Neighbors Want Deeper Connections. What’s Holding Them Back?”, Rocket Mortgage, February 19, 2026.

05/26/2026

If you’re buying a home, refinancing, or simply reviewing your current homeowner’s insurance policy, here’s an important tip:
Make sure your policy includes Full Replacement Coverage.
Many mortgage lenders require homeowner’s insurance that covers your property on a full replacement cost basis, meaning claims are settled without depreciation, limitations, or reductions for covered perils like wind and hail.
Not all policies offer the same level of protection, so it’s worth taking a close look before moving forward. The right coverage can help protect your home, your finances, and your peace of mind.

If you’re purchasing or refinancing and have questions, we're always happy to help.

05/25/2026

As the unofficial start of summer draws your attention to upcoming vacations, BBQs, and lazy days by the pool, I hope you'll join me in pausing to remember those who made the ultimate sacrifice for our nation. Frost Mortgage Lending is an Equal Housing Lender.

05/22/2026

Our parent company’s Delayed Financing Program allows eligible individuals to tap into their property's equity within 180 days of its purchase, with a competitive Loan-to-Value (LTV) ratio of up to 90%! This means you can leverage your recent property investment to access funds for various purposes, backed by our commitment to delivering a fast and customer focused experience.

Take a look at the Program Highlights below:
· Up to 90% LTV
· Eligible within 180 days of purchase
· Documented source of funds required
· Maximum LTV/CTLV ratio based upon lower of current appraised value or total cost of property
· No existing liens allowed
· Qualification using Purchase Loan/LTV limits but locked as a rate and term refinance

Got questions? Reach out to us today for more information!



*Not all applicants will qualify. Program terms, eligibility, and availability are subject to change without notice. Delayed financing must meet specific requirements, including documentation of funds used for purchase and required timing from the original closing date. Refinancing is subject to meeting a net tangible benefit to the borrower, where applicable. It is strongly encouraged that borrowers confirm qualification for a refinance prior to purchasing with cash, as eligibility and loan terms may change after the cash purchase period. Minimum credit scores are guidelines only and may vary based on the overall loan scenario and other factors. Refinancing timing and approval are not guaranteed and are subject to program requirements

05/21/2026

Great news if you're currently leasing a car and planning to buy a home!

With updated Freddie Mac Conventional Loan guidelines, your lease payment may no longer count against you if the lease is paid off or paid down.

Previously, lenders had to include lease payments in your debt-to-income ratio, even if you planned to return the vehicle. Now, that’s changed, and it could make a big difference in your ability to qualify.

If a car lease has been holding you back from homeownership, this might be your opportunity.

Let’s connect and see how this update could work in your favor!

05/20/2026

The unthinkable has happened, and disaster has struck! I hope everyone reading this is okay. Here’s a video with tips for working with insurance, accessing mortgage help, and identifying other sources of assistance. If you have other resources or tips, please comment below. And if I can help in any way, please message me. We’re in this together! Frost Mortgage Lending is an Equal Housing Lender.

Tips for accessing assistance

05/19/2026

I sincerely hope a natural disaster never hits, but it pays to be prepared just in case. This video will walk you through several steps to ensure you have access to the documentation and resources you may need in the event of an emergency. Do you have additional ideas for preparation? Comment here or send me a message. I’d love to hear from you. Frost Mortgage Lending is an Equal Housing Lender.

Tips for financial preparation before the storm