Stormy Ray - Mortgage Nerd Group

10/09/2026

Remember Q4 of 2023? Mortgage rates climbed into the high 7s, and buyers were nervous. Sound familiar?

We helped over 70 families purchase homes that quarter. The majority used a 2-year temporary buydown:

Year 1: 5.9%

Year 2: 6.9%

Years 3–30: 7.9% fixed

But here’s where it gets good...

When rates dropped earlier this year, less than 2 years after this group purchased, we helped every single one of those clients lower their rate and monthly payment before they ever reached year three!

And this is why our Rate Watch program matters.

Every buyer we help is automatically enrolled in our FREE Rate Watch program. When an opportunity to lower their rate makes financial sense, we reach out and help them explore refinancing - for $0 out of pocket.

The nerdy lesson? 🤓📚

You don’t have to wait for the perfect rate to make a smart real estate decision. You need the right strategy, the right numbers, and a lender who doesn’t disappear after closing.

We don’t just help your clients buy homes. We help them make smarter mortgage decisions long after closing.

Call or text to learn more about our low rate and payment programs 📲 806.330.1304

10/06/2026

Hi, I'm Stormy, your Mortgage Nerd 🤓

Nerdy about mortgages. Passionate about people.

Whether you're buying your first home, moving up, or just wondering if now's the right time, I'll walk you through every number and every step. In the car, on the phone, at the closing table: wherever you need me.

Family first, always. And I'll treat yours the same way. 🏡

📲 Call or text 806-330-1304
💻 MyLenderStormyRay.com

09/02/2026

I’m so grateful for all the families served! 💕 Thank you to each family that trusted us to get them to the closing table.

This woman made a decision that enough was enough. She knew what she needed to do… she had all the tools… the marketing… the systems… but her mindset of “can she still do it” - was getting in the way.

She said “enough is enough” - I know I can!!!

2 months of consistent WORK, fiercely focused on the daily #1 activity, tracking, no avoidance or distractions… and she is our TOP PRODUCER for August 🏆

Stormy, proud is an understatement. Not just for the families you are serving… but for who you are becoming. ❤️

09/01/2026

All possibilities start with a conversation!

08/10/2026

Sometimes, it’s not that someone can’t afford to own a home.
They just need someone willing to find a different way. ❤️

This married couple had been renting for years. They were ready for a home of their own, but like so many first-time buyers, the down payment felt like the thing standing between them and homeownership.
Until it wasn’t.

We have an exclusive Portfolio Teacher Program, where we were able to create a path that made buying their first home possible.
Not only did they not need a down payment – but their realtor negotiated the seller to cover ALL the closing costs so they purchased their home with less than $1500 out of pocket!

And THIS is why we built programs like this.

Not so we can say we have more loan options.
But because behind every program is a real person. A real family. A couple who gets to stop paying someone else’s mortgage and finally walk through the front door of a home that belongs to them. 🏡
Sometimes people don’t need to be told “you can’t.”
They need someone nerdy enough to keep looking for the how. 🤓❤️
Congratulations to these first-time homeowners. This one is special.

08/08/2026

If you are looking for new construction and need help with closing cost, give me a call and let’s see about getting you into one of these homes!

07/24/2026

Most people don’t know this… but mortgage rates move every day just like a stock price.

The Apple stock price at the start of this year was $260 and today it is around $325. What if you bought the stock at $275… would you be disappointed you didn’t buy at the LOWEST point even though it’s worth more today? Like… a lot more?

Sure, we all want to buy at the lowest but none of us can time the market. We’re not wizards 🧙

People who bought a home last year for $500,000 - this home or “stock price” could be worth $15,000 more today based on a 3% increase in value.

Did your boss give you a $15,000 bonus?
Did your 401k balance increase $15,000?
Did your apartment earn you $15,000?
Do you have passive income from a diff asset group that made you $15,000?

$15,000 over 5 years is $75,000.

Yes, you will pay some sort of interest rate to borrow the money (which is tax deductible) but my point is - don’t let these small fluctuations in rate derail your financial goals. We can’t time the market - but you make your money with TIME IN THE MARKET.

07/20/2026

"What if I told you that now, more than ever, the buyer can negotiate the seller paying some, if not all, of your closing costs?"

Pair that with our Down Payment Leverage program – and you could get into a home with maybe less out of pocket than applying for your next apartment lease.

If you’re curious – I can run numbers for you WITHOUT a credit pull.

07/16/2026

Everyone talks about the dream home.

But here’s what I’ve learned after helping so many families become homeowners…

Your first home doesn’t have to be your forever home. It just has to be a smart first step.

The goal isn’t to buy the biggest house you can qualify for. The goal is to start building equity, creating stability, and giving yourself options for the future.

Too many people keep waiting for the “perfect” home… and end up putting their dreams on hold.

Sometimes the smartest move isn’t waiting. It’s getting started.

If you’re wondering what that first step looks like for you, let’s have a conversation. No pressure—just a plan.

07/16/2026

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