Stormy Ray - Mortgage Nerd Group

06/18/2026

06/10/2026

This is my favorite call to take.

“Hey, I’ve been thinking about buying. I don’t really know where to start. Can we just… talk?”

YES. That’s exactly where we start.

You don’t need a perfect credit score before you call me. You don’t need 20% saved. You don’t need to have toured houses or picked a neighborhood or have your whole life figured out.

You just need to be ready to have an honest conversation about what’s actually possible for you.

Here’s what I’ve seen happen over and over again…
People spend months, sometimes years, waiting until they feel “ready” and then they sit down with me and find out they were already there. They just didn’t know it yet.

That first call changes everything.

📲 806.330.1304
Call or text anytime.

06/06/2026

I didn’t choose this career because it looked good on a resume. I chose it to help other families provide a home for their kids like my parents did for me!

Growing up, I saw what financial uncertainty does to a family. I was blessed to be adopted by my grandparents at 2yrs old.

If I could be the person who changed for even one family, single mom, to own a home, it’s worth doing the work 🫶🏼

Homeownership is one of the most powerful retirement-building tools available to everyday people.

Not just the wealthy. Everyday people.

And a lot of everyday people think it’s out of reach right now… rates… or their credit… or down payment.

But just last month we helped over 40 families get into a home who assumed it was out of reach, too. Until it wasn’t.

I’d like to be the one to explore this with you. When you’re ready, 🤓

06/05/2026

My heart is full helping this borrower step into another home. 💕

It hits different when trust compounds over time—when you’re not just part of one chapter, but the journey.

For me, it’s never been about closing loans. It’s about helping families create a place to call home… and building wealth along the way.

06/04/2026

Here’s something most people don’t realize until it’s too late ⬇️

Mortgage rates change every single day — and sometimes multiple times within the same day.

That rate someone quoted you last Tuesday? It may not exist anymore.

That’s why staying connected to a trusted lender matters more than people think.

💬 Have questions about today’s rates? Drop “RATE” below and I’ll reach out personally.

— Stormy Ray | Mortgage Nerd Group
📲 NMLS #1010028

06/02/2026

Real estate headlines may sound loud right now… but here’s what they’re not telling you!!

05/30/2026

As we finish up the month of May… check out these stats 👇🏼

3 out of the last 4 years… the rates have been around mid 6…. Is this the new norm?

Home appreciation rates are still growing ↗️

7 out of 10 clients say they are waiting to buy a home for financial reasons but once they saw a budget and a plan - they felt ready!

Sometimes a plan is all you need to jumpstart your financial moves 💪🏼

Ready to chat when you are!

05/28/2026

Enjoy country living on 5.49 unrestricted acres just outside city limits. Built in 2021, this ranch-style home features 3 bedrooms, 2.5 bathrooms. The open-concept layout connects the living room, dining area, and kitchen, making the home feel spacious and functional. Out back, you'll find a covered porch with plenty of room to relax and enjoy the views. With no restrictions and plenty of land, there's space for animals, a shop, RV parking, gardening, or whatever fits your lifestyle.

Listed by yours truly 🙃

👩🏻‍💻Alma Balderrama
Bilingual REALTOR®️
🦁Lyons Realty
📱(806)338-0531
🌐alma.806homes.com

05/27/2026

Built from purpose. Fueled by family. Driven by strategy. ❤️

This sketchbook-style piece captures more than a mortgage lender… it captures my WHY.

Every conversation, every pre-approval, every late-night strategy session is about helping families create stability, freedom, and a future they’re proud of.

I don’t believe in “just closing loans.”
I believe in:
✔️ Educating
✔️ Empowering
✔️ Creating solutions
✔️ Building lifelong relationships

Amarillo isn’t just where I work — it’s home. And I’m grateful for every family that trusts me to be part of one of the biggest moments of their lives.

“Low payments. Smarter debt. Better cash flow.”
Because strategy matters more than headlines.

To my clients, referral partners, friends, and community — thank you for allowing me to do what I love every single day. 🏡

05/22/2026

🇺🇸Most veterans have NO idea this benefit exists…

Nearly 90% of eligible veterans have used LESS than half of their VA home loan benefit — or never used it at all 😳

That means millions of veterans are still renting… while sitting on one of the most powerful homebuying tools in America.

✅ $0 down payment
✅ No monthly mortgage insurance
✅ Flexible credit guidelines
✅ Lower average interest rates than many conventional loans

If you know a veteran, share this with them.
Not because they should buy a house tomorrow…

…but because they deserve to know what they earned. 🫡