Texas Real Estate Finance, LLC

Texas Real Estate Finance, LLC Residential Purchase Financing, Investment Property Loans, Condo & Townhouse Financing.

03/06/2026

Big congratulations to my client on closing on her beautiful home in Hutto, TX! 🎉🏡

One of the things I love most about what I do is helping self-employed professionals navigate the many home financing options available to them.

Entrepreneurs, business owners, and independent professionals often have unique financial profiles, and the good news is that today’s lending landscape offers a wide variety of loan programs designed with that flexibility in mind.

From traditional financing to alternative income documentation options, self-employed buyers have multiple paths to homeownership depending on their financial goals and how they prefer to qualify.

Every client’s situation is different, which is why the key is exploring the strategies and programs that best align with their business and long-term plans.

Homeownership is very much within reach for self-employed professionals, and it’s always exciting to celebrate moments like this one.

Congratulations again to my client on this big milestone! 🥳🔑

If you're self-employed and curious about the home loan options available to you, I’d be happy to walk you through them.

www.texasrealestatefinance.com

The key is truly understanding the borrower first, their story, their challenges, their long-term goals, and then matchi...
03/04/2026

The key is truly understanding the borrower first, their story, their challenges, their long-term goals, and then matching them with the right solution.

As mortgage brokers, our role goes far beyond closing loans. We serve our communities.

Homeownership remains one of the most powerful ways to change a family’s financial trajectory. Yet many underserved and overlooked communities face real barriers: limited access to capital, non-traditional income, multi-generational households, or credit profiles that don’t neatly fit a traditional bank’s guidelines.

This is where working with a mortgage broker makes a real difference.

Many buyers are self-employed, work multiple jobs, or earn income that’s harder to document. A traditional bank may quickly decline them because they don’t meet rigid underwriting formulas.

A mortgage broker, however, can explore alternative documentation programs, bank statement loans, and portfolio options that better reflect how that borrower actually earns a living, instead of forcing them into a one-size-fits-all box.

And it doesn’t stop with primary homeownership.

We also provide guidance to clients who want to become first-time real estate investors and use property as a long-term retirement vehicle. Whether it’s structuring their first investment purchase, leveraging equity strategically, or identifying loan programs that align with their financial profile, becoming an investor is not a one-size-fits-all formula either. Different goals require different strategies, and the right loan structure can make all the difference in long-term wealth building.

For real estate agents:
Partnering with a mortgage broker means giving your clients access to more flexibility, more programs, and more strategic loan structuring. That can be the difference between a declined file and a successful closing, and can also help your clients transition from homeowners to investors.

For buyers and future investors:
If you’ve been told “no” before, it may not mean you can’t buy. It may simply mean you haven’t had someone take the time to structure the right plan for you.

The most fulfilling part of what we do? Handing keys to someone who thought homeownership, or investing, was out of reach.

That’s why having an experienced mortgage broker in your corner truly matters.

www.texasrealestatefinance.com

Another Clear to Close in the books! 🎉🏡👌This one is extra special. ✨Our client was previously declined by a builder’s le...
02/27/2026

Another Clear to Close in the books! 🎉🏡👌

This one is extra special. ✨

Our client was previously declined by a builder’s lender and told their homeownership plans would have to wait. Instead of giving up, they reached out for a second opinion… and now we’re officially CTC and ready to close. 🏡💯

The truth is:

Being declined doesn’t mean you’re not qualified — it just means you haven’t been matched with the right strategy, the right loan program, or the right guidance yet.

If you’ve been turned down by a bank, builder, or another lender, don’t let that be the end of your story. Whether your goal is:

✔️ Buying your first home
✔️ Purchasing an investment property
✔️ Rebuilding after a denial

Give yourself a second chance, this time with a game plan.

Let’s review your scenario and map out the path to approval. Your dream of homeownership (or investing) may be closer than you think.

Contact me to get started! 🏡📲😊

www.texasrealestatefinance.com

📉 Mortgage Rates Dip Below 6% — First Time in 3.5 YearsMortgage rates just delivered some much-needed relief. The averag...
02/26/2026

📉 Mortgage Rates Dip Below 6% — First Time in 3.5 Years

Mortgage rates just delivered some much-needed relief. The average 30-year fixed dropped to 5.98%, down from 6.76% a year ago, while the 15-year fixed came in at 5.44%.

What this means:
• First time in years we’ve seen rates in the 5% range
• Refinance activity is already picking up
• More buyers are expected to re-enter for the spring market

Lower rates + improving inventory = a real window of opportunity for well-qualified buyers who sat out the 7% market.

That said, rates alone won’t move the market — buyer confidence and more sellers will be key. But momentum is finally shifting in the right direction.

If you’ve been waiting on the sidelines, this could be your moment.

Contact me today! 🏡📲😊

www.texasrealestatefinance.com

📉 Rates dip → Refis surge, purchases stay cautiousMortgage activity ticked up in mid-February as lower rates pulled more...
02/25/2026

📉 Rates dip → Refis surge, purchases stay cautious

Mortgage activity ticked up in mid-February as lower rates pulled more borrowers back into the refinance market.

Key highlights:

• Total applications rose slightly (+0.4%)
• Refis increased 4% week-over-week and are 150% higher than last year
• Purchases dipped week-to-week but remain 12% above this time last year
• 30-year fixed fell to 6.09% — the lowest level since September 2022

Refinances now make up nearly 59% of all applications, showing how rate-sensitive today’s market remains.

👉 Bottom line: With rates hovering near 6%, refinance opportunities are opening back up, while purchase activity continues to move carefully but remains stronger than a year ago.

Are you looking to take advantage of this refinance season?

Contact me today! 🏡📲😊

www.texasrealestatefinance.com

🇺🇸 Happy President’s Day! 🇺🇸Today, we honor the leaders who have shaped our nation and the American Dream. Whether you'r...
02/16/2026

🇺🇸 Happy President’s Day! 🇺🇸

Today, we honor the leaders who have shaped our nation and the American Dream. Whether you're reflecting on history or enjoying the long weekend, we hope your day is filled with gratitude and inspiration.

And if homeownership is part of your American Dream, we're here to help make it a reality! 😊 🏡 ✨

www.texasrealestatefinance.com

02/13/2026

As refinances and purchases ramp up in 2026, we want to congratulate our newest clients, Yazmin and Noemi, on their home purchase in Conroe, Texas. 🏡💯 We wish them nothing but the best memories in their very own piece of this great state! ⭐️❤️

If you've been thinking about buying a home but haven't taken the leap, now's the time to stop dreaming and start doing! 💪

I'm here to simplify the process, answer your questions, and help you find the perfect mortgage solution. Let's chat about making your homeownership dream a reality. You might be closer than you think! 👌

Looking for a home in the Houston, Spring, Katy, and Conroe area? Contact Arabeya Carrillo for help navigating the current market and inventory.

Contact us today for a mortgage credit pre-approval! 😊🏡✅

Yes, we finance in all of Texas! 🤠 👌

www.texasrealestatefinance.com

A small dip in mortgage rates can make a big difference. ☝️According to the February 2026 Mortgage Monitor Report from I...
02/10/2026

A small dip in mortgage rates can make a big difference. ☝️

According to the February 2026 Mortgage Monitor Report from Intercontinental Exchange, a modest drop in rates this January unlocked refinancing opportunities for nearly 5 million homeowners and pushed housing affordability to its best level in four years.

When 30-year fixed rates briefly touched 6.04%, refinance eligibility jumped about 20%, bringing roughly 4.8 million borrowers back “in the money”, the highest level since early 2022. Monthly payments on the average-priced home fell $164 year over year, easing affordability to 27.8% of median household income.

That said, challenges remain. Home prices are still elevated relative to incomes, negative equity is rising in certain markets, and price growth slowed sharply in 2025. The market is improving for some borrowers, while others continue to feel pressure.

Bottom line: Even small rate movements can quickly shift affordability and refinancing opportunities, but structural hurdles haven’t disappeared.

Are you looking to take advantage of this refinance season?

Contact me today! 🏡📲😊

www.texasrealestatefinance.com

02/06/2026

Are you self-employed? A 40 year, fully amortized mortgage might be an ideal product, if you want the lowest payments possible.

02/04/2026

How do some home builders offer lower rates? Here’s what you need to know. 🤓

📉 Mortgage Rates Hit 3-Year Lows — But Here’s the Catch ☝️This week was expected to be volatile with the jobs report, bu...
01/09/2026

📉 Mortgage Rates Hit 3-Year Lows — But Here’s the Catch ☝️

This week was expected to be volatile with the jobs report, but the real headline came from a surprise $200B GSE mortgage-backed securities (MBS) purchase announcement. That news sent MBS prices soaring—and that’s important because MBS directly influence mortgage rates.

As MBS improved, lenders rolled out their best rate sheets since February 2023, pushing rates to their lowest levels since late 2022.

⚠️ The caveat: volatility.
MBS swung significantly throughout the day, and at least one lender already nudged rates back up. More adjustments could follow. Even so, rates are still shaping up to be the lowest we’ve seen in at least a year.

🔍 Bottom line:
The jobs report barely moved the needle. The real driver is the GSE MBS purchase news. Rates are clearly lower—but where they ultimately settle will depend on how this volatility shakes out and what details emerge around the MBS buying plan.

👉 If you’re considering buying or refinancing, now may be your window before competition and home prices heat up again.

Get pre-approved today! 😊 🏡 💫

www.texasrealestatefinance.com

Self-Employed & Planning to Buy a Home? Read This Before You File Your Taxes 🧾🏡If you’re self-employed, your tax returns...
01/08/2026

Self-Employed & Planning to Buy a Home? Read This Before You File Your Taxes 🧾🏡

If you’re self-employed, your tax returns play a huge role in how much home you can qualify for. While deductions lower your tax bill, they can also lower your qualifying income.

Before filing, consider:

✔️ Lenders review the last 2 years of tax returns
✔️ Excessive write-offs can reduce buying power
✔️ Clean, well-documented finances matter
✔️ Avoid major financial changes during tax season

💡 A quick conversation with your CPA and your mortgage broker before filing can make a big difference.

Planning ahead can save you time, stress, and money.
Let’s make tax season work in your favor. 📊✨

SPANISH:

¿Eres trabajador independiente y planeas comprar casa? Lee esto antes de declarar tus impuestos 🧾🏡

Si eres empleado independiente o dueño de negocio, tus declaraciones de impuestos juegan un papel clave en cuánto puedes calificar para una hipoteca. Aunque las deducciones reducen tus impuestos, también pueden reducir tus ingresos calificables.

Antes de declarar, toma en cuenta:

✔️ Los prestamistas revisan los últimos 2 años de impuestos
✔️ Muchas deducciones pueden afectar tu poder de compra
✔️ Finanzas claras y bien documentadas son importantes
✔️ Evita cambios financieros durante la temporada de impuestos

💡 Hablar con tu CPA y tu prestamista hipotecario antes de declarar; esto puede marcar una gran diferencia.
Planificar con tiempo te ahorra estrés, tiempo y dinero. 🫰
Hagamos que la temporada de impuestos trabaje a tu favor. 📊✨

Address

111 Congress Avenue, Suite 500
Austin, TX
78701

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