J.D. Cobb - Mortgage Advisor NMLS 269510

09/25/2026

What if you could lower your mortgage payment during the first few years of owning your home without paying for the buydown yourself?

A temporary buydown may be an option worth exploring. With programs like a 3-2-1 post this on the video as a “3/2/1 buydown” buydown, your interest rate can be reduced during the first three years before returning to the permanent rate.

And in some transactions, the seller may contribute toward the cost through seller concessions.

There are details, guidelines, and eligibility requirements to consider, so it’s important to understand exactly how it works before deciding if it’s right for you.

Want to know if a temporary buydown could make sense for your situation? Send me a message and let’s talk through your options.

09/24/2026

Think you need 5–10% saved before you can even start thinking about buying a home?

That may not be the case.

There are down payment assistance programs that may help eligible buyers with the upfront costs of purchasing a home, including programs available through different levels of government and some designed for specific professions.

The biggest mistake is assuming you don’t qualify without actually looking into your options.

You won’t know what’s available to you until you ask.

If you're a first-time homebuyer in Austin or Travis County and want to know what programs you may qualify for, send me a message. Let’s look at your options.

09/10/2026

5.0 star review received on Experience.com for JD Cobb by Raplh G D - Timely communication and attention to details of transaction were conducted in a professional manner, no surprises.

Click to see all 140 reviews of JD Cobb, Branch Manager | NMLS #269510

08/29/2026

Imagine this...

It's 2028.

You look back at the decision you almost didn't make.

The home you bought has grown in value.

You've built equity instead of writing rent checks.
You've hosted birthdays, holidays, and backyard barbecues.
Your family finally has the space you've been dreaming about.

The people who waited for the "perfect" rate are still waiting.

The highest cost isn't always the interest rate sometimes it's the years you spend on the sidelines.

No one can predict the perfect time to buy, but you can build a plan that's right for you.

If you've been wondering whether now makes sense, let's have a conversation. Your future self might thank you.

08/26/2026

This is Adrian. We met him on the beach in Sayulita one day selling small toys for 20 pesos ($1.20 USD), so we bought some and then treated him to a pineapple juice.

Here’s Adrian again at 10:00 p.m. a few days later working the dinner shift. The kids and I totally adored him, gave him the rest of our pizza and ordered him a smoothie.

This is a life lesson to the kids out there…when your parents tell you to clean the kitchen or do your homework, just be grateful knowing that you’re here and Adrian is in Mexico working 12-hour days just to be able to eat every night. Gratitude is everything!

08/23/2026

If you asked me how I want to raise our kids, my answer is simple.

I want them to see a mom and dad who genuinely enjoy life together. Who choose each other every day. Who laugh often, travel whenever they can, and show them that love is found in the little moments just as much as the big ones.

Jordan, my beautiful wife and the love of my life, thank you for building this life with me. Here's to raising kids who know they're deeply loved, who are curious about the world, and who never stop chasing adventure. ❤️

08/21/2026

Being a parent isn't about being perfect. It's about being present.

The goal isn't to create a flawless childhood it's to create one filled with love, security, laughter, and the confidence that home will always be a safe place to land.

The little things we do today become the memories they'll carry for the rest of their lives. ❤️

08/19/2026

The greatest gift we can give our kids isn't a bigger house or the newest things… it's a childhood they'll never want to forget.

Years from now, I hope they look back on these trips, the laughs, the adventures, and even the little moments and think, "We had the best time together."

Experiences come and go, but the memories we create as a family stay with us forever. ❤️

08/19/2026

Good health isn't just about looking better—it's about living better.

When you take care of your body, you have more energy, a clearer mind, and the ability to be fully present for the moments that matter most. Whether it's time with family, chasing your goals, or simply enjoying the little things, feeling your best changes how you experience life.

Take care of yourself. Your future self will thank you. 💙

08/15/2026

Success means something different to everyone. For me, it's not about what we have; it's about who we become.
I hope we're building a family that always chooses each other.

A home where love is freely given, kindness is second nature, and everyone knows they belong.

The little moments may seem ordinary today, but they're the ones that shape a lifetime of memories. ❤️

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