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Katie's Home Loans - The Katie White Team NMLS 848270

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Austin, TX
Katie's Home Loans - The Katie White Team NMLS 848270

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We always put our clients first and want your experience to be the best it can be! Katie White, NMLS # 848270. Fairway Independent Mortgage Corp. NMLS #2289.

Office Phone: 512-922-7602 Office Address: 13812 Hwy. 183, Suite B-4, Austin, TX 78750. Katie White, NMLS # 848270. 512-922-7602

10/30/2026

The view might change, but taking care of my clients never goes out of office.

10/28/2026

Being self-employed doesn’t automatically mean you can’t buy a home.

If you own a business, freelance, or work for yourself, the mortgage process may look a little different—but there may still be options available to you.

Lenders typically look at your income history, tax returns, and other financial documents to determine what income can be used to qualify. And remember, your business’s total revenue isn’t necessarily the same as the income a lender can use for your mortgage.

The key is preparation. Understanding how your income will be evaluated before you start house hunting can help you plan ahead, identify any documentation you may need, and explore financing options that fit your situation.

You built your business. Let’s talk about how homeownership could fit into your plans, too.

10/27/2026

Your down payment is only one part of the homebuying equation.

Before closing, remember to budget for closing costs, moving expenses, and other upfront costs. Once you’re in your new home, repairs, furniture, and unexpected expenses can add up, too.

Putting more money down can have benefits, but using every dollar you have upfront may leave you with less flexibility afterward. Depending on your loan options and financial goals, a smaller down payment could be worth exploring.

The goal isn’t just to get the keys—it’s to feel financially comfortable after you get them.

10/26/2026

10 things you should do before buying a home? I’ve got one covered. 😂🏡

Call me first! I’ll help you understand your options and figure out the next steps so you can start your homebuying journey feeling more prepared.

I’ll take care of the other nine.

10/24/2026

Ready to sell your home and move into the next chapter? Before you start shopping, take a moment to plan what happens financially after the sale.

The proceeds from your home sale may help fund your next purchase, but your remaining mortgage balance and selling expenses will affect how much you actually have available.

Knowing that number can help you decide how much to put toward your next down payment, budget for closing costs, and keep some money set aside for unexpected expenses.

If you’re buying before selling, it’s also important to understand how the timing and potential overlap in mortgage payments could affect your options.

A little planning before you sell can help you make your next move with greater confidence.

10/21/2026

Your down payment is only one part of the homebuying equation. 🏡

Before closing, it’s worth understanding how much cash you’ll need to complete the purchase—and whether you’ll need eligible funds left over afterward.

That’s where **mortgage reserves** come in. Depending on your loan program, property type, and financial situation, your lender may require you to have a certain amount of money available after closing. Investment properties and some other loan scenarios may have additional reserve requirements.

Keep in mind, cash to close and cash reserves aren’t the same thing. One helps you get to the closing table; the other helps ensure you have funds available beyond it.

The goal isn’t just to buy the home. It’s to understand the full financial picture before you get the keys. 🔑

10/20/2026

House hunting is exciting. Finding a home you love before knowing your numbers? That can get complicated pretty quickly.

Getting pre-approved first can help you understand what your financing may look like before you get attached to a particular house.

You’ll have a better idea of your potential price range, estimated payment, and what you may need for closing—so when something you love comes along, you can look at it with a little more confidence and a lot less guessing.

Dream about the house. Just check the numbers before you mentally move in.

10/17/2026

Buying a house with absolutely zero nerves? Couldn’t be me.

There’s something exciting—and slightly terrifying—about making one of the biggest purchases of your life.

But that’s why you ask questions, understand your budget, learn the process, and surround yourself with people who can guide you through it.

You don’t need nerves of steel. You just need a plan.

10/15/2026

You’re getting closer to closing—and this is when keeping your financial picture steady can really matter.

Taking on new debt, changing jobs or income, or moving large amounts of money around may seem unrelated to your home purchase, but each could affect the information your loan was based on.

That doesn’t mean every change will cause a problem. Sometimes it simply means your lender needs additional documentation or an explanation.

The best move? Keep your lender in the conversation. Before financing something new, making an employment change, or moving a large amount of money, check in first.

You’re almost at the finish line. A little communication can help keep things moving smoothly all the way to the keys.

10/14/2026

When they hit you with “Nobody told me that…” and you’re trying VERY hard not to pull up the receipts.

Between emails, phone calls, documents, deadlines, and everything else happening during the mortgage process, it’s completely normal for a detail or two to get lost along the way.

So no worries—we can talk about it again.

I’d much rather answer the same question twice than have you move forward without understanding what’s happening.

Address

13812 Research Boulevard #B-4
Austin, TX
78750

Opening Hours

Monday	9am - 5pm
Tuesday	9am - 5pm
Wednesday	9am - 5pm
Thursday	9am - 5pm
Friday	9am - 5pm

Telephone

+15129227602

Website

http://katieshomeloans.com/

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