Stacy Howard Homes

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

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

Big changes could be coming to the mortgage industry 👀🏡New credit scoring updates may allow on-time rent payments to hel...
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.

Think the Fed directly sets mortgage rates? 👀 Not exactly.Mortgage rates are influenced more by:• The bond market • In...
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

Real estate word of the day: Contingency 🏡A contingency is a condition that must be met before a real estate contract ca...
05/14/2026

Real estate word of the day: Contingency 🏡

A contingency is a condition that must be met before a real estate contract can fully move forward. It helps protect buyers (and sometimes sellers) during the transaction process.

Some common examples include:
• Financing contingency
• Inspection contingency
• Appraisal contingency
• Sale of current home contingency

These protections give buyers an “out” if certain terms aren’t met — helping reduce risk and avoid costly surprises during the home buying process.

Questions about real estate terms or the mortgage process? I’m always happy to help simplify it 🤍

Stacy Howard
REALTOR® | Mortgage Advisor


05/04/2026

Everyone’s talking about AI right now… but here’s the truth 👇

AI doesn’t replace experience — it amplifies it.

I use AI to:
• Analyze market trends
• Run deal scenarios
• Spot risks early

But the real value?
👉 Knowing how to apply it to YOUR situation

That’s where strategy comes in.

Because at the end of the day…
It’s not about the data — it’s about the decisions you make with it.

If you’re thinking about buying, selling, or investing, this is how we stay one step ahead in today’s market.

Stacy Howard
REALTOR® | Mortgage Advisor
📞 512-785-9464

TREC #804524 | NMLS #1741066
For educational purposes only. Not a commitment to lend.

⸻

04/30/2026

Texas is showing signs of movement again 👀

Pending sales are up, which means more buyers are stepping back into the market — even while prices and inventory are still adjusting.

What this means for you:
✔️ Buyers: more competition is coming back
✔️ Sellers: demand is picking up again
✔️ Everyone: timing matters more than ever

We’re not in the same market we were a year ago… and we’re definitely not where we were 2–3 years ago either.

The key right now? Strategy over guesswork.

If you’re thinking about buying or selling, this is where having the right guidance makes all the difference 🤍

Stacy Howard
REALTOR® | Mortgage Advisor
📞 512-785-9464

TREC #804524 | NMLS #1741066
For educational purposes only. Not a commitment to lend.

⸻


04/28/2026

A pre-approval is NOT the final approval 👇

I review your income, credit, and overall file to make sure you’re in a strong position before you start house hunting.

✔️ Pre-approval = strong buyer
❌ Not a final loan approval

Once you’re under contract, your file goes to underwriting — where everything is verified and the final decision is made.

That’s why a deal can still change… even after a pre-approval.

My job is to help you get as solid as possible upfront so there are no surprises later.

If you’ve ever been confused about this, you’re not alone — I’ve got you 🤍

Stacy Howard
REALTOR® | Mortgage Advisor
📞 512-785-9464

TREC #804524 | NMLS #1741066
For educational purposes only. Not a commitment to lend.

⸻

Why is the credit score I pull different from the one you see?This is one of the most common questions I get — and it’s ...
04/22/2026

Why is the credit score I pull different from the one you see?

This is one of the most common questions I get — and it’s completely normal to see a difference.

When you check your credit through apps like Credit Karma, Experian, or your bank, you’re typically seeing a consumer credit score. These scores are designed for general educational purposes and may use different scoring models.

When I pull your credit for a mortgage, lenders use mortgage-specific credit scores that are designed specifically for home lending. These models look at your credit history differently because mortgage loans are long-term, higher-risk financing.

A few key reasons scores may differ:
• Different scoring models are used
• Mortgage lenders pull all three bureaus (Experian, Equifax, TransUnion)
• Lenders typically use the middle score for qualification
• Mortgage scoring is often more conservative

This is why your score may be higher or lower than what you see on your own.

The good news?
Even if your score isn’t where you want it to be, there are often simple steps we can take to improve it before applying.

If you’re curious where you stand, I’m always happy to take a look and help you build a plan.

Stacy Howard
REALTOR® | Mortgage Advisor
📞 512-785-9464

TREC #804524 | NMLS #1741066
Information for educational purposes only. Loan approval subject to guidelines.

⸻

04/20/2026

Everyone keeps asking… “Should I wait for rates to drop?”

Here’s the reality 👇

Yes, forecasts are showing mortgage rates may trend down in 2026. But the market doesn’t move in a straight line — and waiting isn’t always the advantage people think it is.

When rates drop:
• Buyer demand usually increases
• Competition picks up
• Home prices can stabilize or even rise

So while a lower rate sounds great, you may end up paying more for the home — or competing harder to win it.

The real strategy isn’t timing the market perfectly… it’s understanding your numbers and being ready when the right opportunity shows up.

If rates drop later, you can always refinance.
But you can’t go back and buy at today’s prices.

If you’ve been on the fence, this is exactly the kind of conversation we should be having.

Stacy Howard
REALTOR® | Mortgage Advisor
📞 512-785-9464

TREC #804524 | NMLS #1741066
For educational purposes only. Not a commitment to lend.

Address

Austin, TX
78704

Telephone

+15127859464

Website

Alerts

Be the first to know and let us send you an email when Stacy Howard Homes posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.

Contact The Business

Send a message to Stacy Howard Homes:

Shortcuts

Share

Category