Texas Trust Mortgage

03/10/2026

February photo dump

03/06/2026

Best news I’ve read in weeks for the mortgage industry🗞️

🚨 Big news for the real estate/mortgage industry 🚨

After 8 years of fighting for it, the Homebuyers Privacy Protection Act is finally becoming reality. Effective today!!

This law goes after one of the most frustrating things borrowers deal with when applying for a mortgage: trigger leads.

Here’s what currently happens…

A buyer applies for a mortgage with a lender they trust.

Within minutes, their credit inquiry gets sold by the credit bureaus.

And then the chaos begins.

📞 30… 50… sometimes 100+ calls from lenders they’ve never heard of.

The worst part?

Most consumers think their lender sold their information.

But the truth is… we didn’t.

The credit bureaus did.

Companies buy these trigger leads through connections with the bureaus like:

• Experian
• Equifax
• TransUnion

And they get resold through lead companies like:

• LendingTree
• LowerMyBills
• Bankrate
• QuoteWizard
• SmartFinancial
• plus a bunch of call-center style mortgage shops

So your phone starts ringing off the hook the second you apply.

Not exactly the experience anyone wants when they’re trying to buy a home.

The new law changes that.

It will restrict credit bureaus from selling a consumer’s information after a mortgage credit pull unless the consumer gives permission.

Which means:

✔ Far fewer spam calls
✔ More privacy for homebuyers
✔ A much better experience for people working with a lender they actually trust

For those of us who build our business on referrals, relationships, and doing the right thing for clients, this is a big win.

Long overdue… but a huge step in the right direction.

03/04/2026

He is the author of our story and has already written our victory! Amen ❤️

May this give you peace as you go about your day. Love you all. 

01/30/2026

When you meet that girl that changes everything. The one that gives you everything you never even knew you needed. ❤️

01/27/2026

Amazing what a difference your day is when you give God 15 minutes of praise in your car listening to your favorite artists. The Holy Spirit fills your heart and gives you a peace beyond understanding. The fears and anxiety of the day go away. The Lord places a calmness on your heart that no other coffee, morning email or text that seems so important, real estate client that demanded your morning call, alcohol drink the night before to go to bed, or any other vice could ever do. I would encourage all my friends when you’re feeling empty or struggling to find that purpose or drive, start your day and give God 15 minutes and turn on the music. It will change your life day by day. Wherever you are in your life, God loves the broken, imperfect you and there’s nothing you could do to earn his love.
Love you all. ❤️🙏

01/26/2026

26 days into month ONE of 2026… how’s it going for you?

What I have learned is there are 3 reasons why people don’t get their goals:

1️⃣ You don’t have a clear, measurable goal. Being vague with our goals allows us to avoid accountability. Get clear, get specific.

2️⃣ You don’t know HOW. You know what the goal is.. it is specific and measurable… but you don’t know HOW to do it in an efficient and effective way.

3️⃣ You forgot the mission. Some know what the goal is… they even know how to get there… but they allow distractions to creep up and excuses bc they forgot the purpose. Knowing WHY you want something allows you to do the thing… even if it is hard or you don’t feel like it.

And I’d say 90% of people don’t have a deep rooted PURPOSE.

🤓 📝

01/26/2026

Not to be dramatic… but EVERY home just went on sale!

With last week’s job’s report and Trump statements.. rates went DOWN which means you can buy the SAME home with a cheaper monthly payment!

If you’re thinking of buying or selling in the next 12 months… let’s set up a 🆓 Planning Call!

Or… if you want a Budget Refresh to see your new buying power – that is what I am here for!

💬830-370-1630
🗓️schedule a call [email protected]

01/15/2026

2019: "I'm waiting for the market to crash."
2020: "Pandemic! See? I was right!"
2021: "Prices are insane. I'll wait."
2022: "Rates are too high. I'll wait."
2023: "Still too expensive."
2024: "New administration..."
2025: Still renting. Still waiting. Still wrong.

Meanwhile, the "panic buyers" of 2019?
They own homes worth $95k more.
They've built six years of equity.
They're not paying rent.

The crash you're waiting for?
Even if prices drop 15%, that's $417k → $354k.
Still $32k more than 2019.
You're still behind.

And when prices DO drop?
Every "patient" buyer floods the market.
That $354k house gets 15 offers.
Bidding war pushes it to $375k.
You waited six years to overpay anyway.

One of you is winning. Hint: Not you.

Every year you wait costs:

Appreciation you'll never recover
Equity you'll never build
Rent you'll never get back

01/03/2026

12/20/2025

Great 17 birthday for Anna Kate and 21st for Caden weekend celebration ❤️