Stacy Howard Homes

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Stacy Howard Homes

Contact information, map and directions, contact form, opening hours, services, ratings, photos, videos and announcements from Stacy Howard Homes, Mortgage brokers, Austin, TX.

Mortgage Broker + Realtor 💰🏡
Austin & Surrounding Areas 📍
Homes + Loans
Mobile Notary
Boy mom 💙🐾 | Health + Fitness 🏋️‍♀️

📲 Call/Text: 512-785-9464
NMLS 1741066 | TREC 804524

06/26/2026

🌞 Texas summers are no joke—and neither are those electric bills.

If you’re a homeowner (or planning to become one), a few simple changes can help keep your home cooler and your energy costs lower:

🏡 Replace your air filter regularly.
☀️ Close blinds or curtains during the hottest part of the day.
💡 Switch to LED bulbs to reduce heat.
🌬️ Seal drafts around doors and windows.
🌡️ Set your thermostat a few degrees higher when you’re away.

Small improvements can add up to a more comfortable home and lower monthly utility costs.

What energy-saving tip has made the biggest difference in your home?

Stacy Howard
REALTOR® | Mortgage Advisor

TREC #804524 | NMLS #1741066

For educational purposes only. This is not a commitment to lend. Loan approval is subject to credit, income, asset, and property approval.

06/23/2026

A lot of buyers are waiting for interest rates to drop before making a move.

But here’s the thing: no one can predict exactly what rates, home prices, or inventory will do next.

The best strategy isn’t trying to time the market perfectly—it’s understanding your options and making a decision based on your goals, budget, and timeline.

If you’re wondering whether it makes sense to buy now or wait, let’s run the numbers and create a plan that works for you.

Stacy Howard
REALTOR® | Mortgage Advisor

TREC #804524 | NMLS #1741066

For educational purposes only. This is not a commitment to lend. Loan approval is subject to credit, income, asset, and property approval.

06/17/2026

A home inspection and an appraisal are both important parts of the homebuying process—but they serve very different purposes.

🏡 An appraisal determines the home’s value for the lender.

🔍 An inspection evaluates the home’s condition for the buyer.

Understanding the difference can help you avoid surprises and make more informed decisions when purchasing a home.

Swipe through to learn the key differences between the two.

Questions about the buying process? I’m always happy to help.

Stacy Howard
REALTOR® | Mortgage Advisor

TREC #804524 | NMLS #1741066

For educational purposes only. This is not a commitment to lend. Loan approval is subject to credit, income, asset, and property approval.

MortgageAdvisor

06/15/2026

🏡 Mortgage Term Monday: Escrow

If you’ve ever purchased a home, you’ve probably heard the word “escrow” dozens of times.

But what does it actually mean?

In simple terms, escrow is a neutral account used to hold and manage funds during a real estate transaction. It helps protect buyers, sellers, and lenders by ensuring money and documents are handled properly until all conditions of the transaction are met.

After closing, many homeowners also have an escrow account that helps pay property taxes and homeowners insurance throughout the year.

Understanding common mortgage terms can make the home-buying process feel a lot less overwhelming.

What mortgage term should we cover next? 👇

Stacy Howard
REALTOR® | Mortgage Advisor

TREC #804524 | NMLS #1741066

For educational purposes only. This is not a commitment to lend. Loan approval is subject to credit, income, asset, and property approval.

06/09/2026

🚗🏡 Did You Know?

Your monthly car payment may impact how much home you can qualify for.

When reviewing a mortgage application, lenders look at more than just income—they also consider your existing monthly obligations. A higher debt-to-income ratio can affect your purchasing power and the loan options available to you.

The good news? A little planning can go a long way.

Whether you’re thinking about buying next month or next year, understanding your numbers now can help you make more confident decisions later.

Have questions about your buying power or mortgage options? I’m always happy to help.

Stacy Howard
REALTOR® | Mortgage Advisor

TREC #804524 | NMLS #1741066

For educational purposes only. This is not a commitment to lend. Loan approval is subject to credit, income, asset, and property approval.

AustinRealEstate FirstTimeHomeBuyer

06/05/2026

📚 Real Estate Vocabulary Word of the Day: APR

APR stands for Annual Percentage Rate and represents the total yearly cost of borrowing money.

Many buyers focus only on the interest rate, but APR can provide a more complete picture because it includes certain lender fees and loan costs.

Understanding the difference can help you compare loan options more effectively and make more informed decisions during the home-buying process.

What mortgage term should I explain next? 🏡

Stacy Howard
REALTOR® | Mortgage Advisor

TREC #804524 | NMLS #1741066

For educational purposes only. This is not a commitment to lend. Loan approval is subject to credit, income, asset, and property approval.

06/03/2026

☀️ Summer is traditionally one of the busiest home buying seasons of the year—and for good reason.

Many buyers have more flexibility with schedules, families often prefer to move before a new school year, and inventory tends to be higher than during other times of the year.

That doesn’t mean it’s the right time for everyone, but if you’ve been thinking about buying, now may be a great time to start exploring your options, reviewing your finances, and getting pre-approved so you’re ready when the right home comes along.

Whether you’re a first-time buyer, moving up, downsizing, or relocating, having a game plan can make the process much smoother.

Have questions about the current market or what you may qualify for? I’m always happy to help. 🏡

Stacy Howard
REALTOR® | Mortgage Advisor

TREC #804524 | NMLS #1741066

For educational purposes only. This is not a commitment to lend. Loan approval is subject to credit, income, asset, and property approval.

05/27/2026

✨Buying a home soon? Avoiding a few common mistakes during the mortgage process can help keep your loan on track and your closing stress-free.

From opening new credit cards to making large unexplained deposits, small financial moves can have a bigger impact than most buyers realize.

If you’re thinking about buying, refinancing, or just want to understand how the process works a little better, I’m always happy to help answer questions and guide you through it. 🏡💙

Stacy Howard
REALTOR® | Mortgage Advisor

TREC #804524 | NMLS #1741066

For educational purposes only. This is not a commitment to lend. Loan approval is subject to credit, income, and property approval.

05/22/2026

Big changes could be coming to the mortgage industry 👀🏡

New credit scoring updates may allow on-time rent payments to help qualify more Americans for homeownership. That means millions of renters who consistently pay on time could finally see that responsibility reflected in their credit profile.

This could especially help:
✔️ First-time homebuyers
✔️ Freelancers & self-employed borrowers
✔️ Gig workers
✔️ Buyers with limited credit history

The market is constantly changing, and staying educated is one of the best ways to prepare for future opportunities. Whether you’re thinking about buying, refinancing, investing, or just trying to understand your options better, I’m always happy to help. 🤍

Stacy Howard
REALTOR® | Mortgage Advisor

📞 512-785-9464

TREC #804524 | NMLS #1741066

For educational purposes only. Not a commitment to lend.

05/19/2026

Think the Fed directly sets mortgage rates? 👀
Not exactly.

Mortgage rates are influenced more by:
• The bond market
• Inflation
• Economic data
• Investor confidence

That’s why rates can sometimes rise even when the Fed cuts rates.

Understanding the market helps buyers make smarter decisions — especially in today’s environment.

Questions about buying, refinancing, or today’s rates? I’m always happy to help 🤍

Stacy Howard
REALTOR® | Mortgage Advisor

Address

Austin, TX
78704

Telephone

+15127859464

Website

http://bartoncreeklending.com/

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