Robert Abernathy

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Robert Abernathy

Local Austin mortgage professional for Capstar Lending NMLS #2401469

03/02/2026

🏆🏀Mortgage Madness is back for year 3!🏀🏆

Sponsored by .hale.coverage with the Hale Agency and yours truly with Redbud Home Loans!

This years prizes:

🥇$100
🥈$50
🥉$25

How it works:

1. Free to enter!

2. Download the free “ESPN Tournament Challenge” app on the App Store.

3. Make an account or sign in.

4. Search and join group “Mortgage Madness 2026” using password “2026”.

5. Fill out your bracket. Brackets will be revealed on Sunday, March 15th, and the tournament will begin on Thursday, March 19th at 11:00 am. All brackets are due by start time.

6. Complete our Google form so we can contact you if you win!

*All links can also be found in my Linktree in bio*

Link to join the group: https://fantasy.espn.com/tc/sharer?challengeId=277&from=espn&context=GROUP_INVITE&edition=espn-en&groupId=ecb1fbb8-f869-4616-9a5c-9087c37071aa&joinKey=c92a1032-4374-3ac6-8171-9d63979d00fe

Link to the Google form: https://docs.google.com/forms/d/e/1FAIpQLSdHQZptz2-7DKYpECqOri2-AdR2PuBkpvbKBr_K5Gv0B9kYBQ/viewform?usp=header

Best of luck everyone!

02/27/2026

It’s Offical: Big win for homebuyers! 🎉

The Homebuyers Privacy Protection Act takes effect next week (March 5th). This new law limits the sale of your personal information from credit bureaus - meaning other lenders can’t bombard you with solicitations without your consent.

The only exceptions? Your current lender or a bank you already have a relationship with.

The results? More privacy. Less spam. Better experience for future homebuyers!

12/10/2025

🚨 The Federal Reserve released their quarterly dot plot today, giving us a fresh look at projected monetary policy going forward.

✂️ As of today, Fed officials are projecting a terminal federal funds rate of 3%, meaning there are only 1-2 more rate cuts expected through 2028 and beyond.

📝 Do note, however, that the dot plot is updated every quarter, so projections are not set in stone. The Fed will continue to evaluate the impacts of rate cuts on their dual mandate and adjust accordingly.

📈 Inflation is still holding near 3%, a full percent higher than their goal of 2%. The job is far from over.

💡Curious how this will impact mortgage rates into 2026? Reach out today!

10/28/2025

All eyes are on the Fed this week as a potential rate cut looms but will that actually move mortgage rates? Spoiler: it’s not as direct as you might think.

Our latest blog breaks down how Fed decisions really impact mortgage rates. Read more here: https://firstbankhomeloans.com/do-fed-rate-cuts-really-affect-mortgage-rates/

10/10/2025

The new law signed on July 4, 2025 makes the mortgage insurance (MI) tax deduction permanent. Starting in 2026, homeowners can deduct eligible MI premiums—helping middle-class families save big on taxes while keeping costs lower.

Here’s what that means for you:
✅ Permanent savings — no more yearly renewals or uncertainty
✅ Real tax relief — average deductions have been $1,400–$2,300+ in past years
✅ More affordable homeownership — especially for first-time and middle-class buyers
✅ Covers more loan types — PMI, FHA MIP, VA funding fees, USDA guarantee fees

For informational purposes only. Not tax advice. Please consult a tax professional.

09/17/2025

🎉Congratulations to Logan and Kylie on officially becoming homeowners!

This one was extra special as I have know Logan and Kylie since our elementary school days. Thank you both for trusting me through this process and for giving me the honor of being your loan officer!

Cheers to your new home - can’t wait for the house warming party!! 🥳👀

07/01/2025

📣 Last week, the FHFA officially directed Fannie Mae and Freddie Mac to consider to crypto currencies as eligible assets in the home loan process.

While the official rules and implementation are still in the early stages, this will allow future homebuyers to utilize crypto holdings as assets without having to convert it to U.S dollars first.

While only 1% of buyers from June 2023 to June 2024 reportedly used crypto for a down payment (per AP News), the move is designed to help more potential homebuyers qualify to buy a home in the future.

Thoughts, questions? Leave a comment below!

https://apnews.com/article/mortgages-crypto-fannie-mae-freddie-mac-housing-285fad5490a59c3476f7908f444e9fe9

Address

805 W 29th Street
Austin, TX
78705

Website

https://www.rbhomeloans.com/, https://nmlsconsumeraccess.org/, https://www.sos.state.tx.us/texreg/archive/September62024

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