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Veteran Community Mortgage - Powered by Waterstone Mortgage

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Bartonville, TX
Veteran Community Mortgage - Powered by Waterstone Mortgage

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At Veteran Community Mortgage, we proudly serve those who have served by making the journey to homeownership smooth, transparent, and supportive.

Our team is composed of veterans, military spouses, and dedicated patriots.

11/02/2026

When was the last time you shopped around for home insurance? Because that one move could save you hundreds of dollars a year.

With home insurance taking up a bigger chunk of monthly housing costs, that's an opportunity worth looking into.

And the numbers are pretty eye-opening.

According to Intercontinental Exchange, homeowners who switched insurance companies saved an average of $440 a year. Their premiums dropped 6.6%, while homeowners who stayed with their existing provider saw costs climb 10.4%.

That's a big difference just for shopping around.

And here's more good news: Home insurance costs are still rising, but the pace of those increases is finally slowing down.

So, what does this mean if you're buying a home?

Don't assume the first insurance quote you get is the best one. Comparing providers could help you keep your monthly payment more manageable.

And if you're open to new construction, there's another potential advantage. Newly built homes typically cost 10–15% less to insure than older ones, according to John Burns Research and Consulting.

Want help finding ways to make your next move more affordable? Send me a message. Let's talk.

11/02/2026

5.0 star review received on Experience.com for Jason Stier by Steven E R - Jason and his hard working team went above and beyond what we asked of them. They did whatever they could to get my family into our dream home and walked us threw each step. I highly recommend them for any of your mortgage needs.

Read more: https://experience.com/reviews/jason-stier-404047/6add71f3-844e-4de3-8030-8fc028e786aa?V=1793624323&utm_source=facebook&utm_medium=autopost&utm_content=13803015

10/31/2026

Fort Worth VA buyers: the payment you see online isn’t always the payment you’ll actually make. Taxes, insurance, HOA dues—and new-construction tax estimates—matter. Know the real number before making an offer.

10/31/2026

It is the great Halloween candy debate and we are settling it right now.

Worst candy: candy corn. It tastes like wax, it looks like a traffic cone, and no amount of convincing will change that. It is a hard no.

Best candy: mini Snickers. No further explanation needed. It is the gold standard of the Halloween bowl and everyone knows it.

Now it is your turn. Drop your best and worst Halloween candy in the comments. We want to know what you are reaching for and what you are leaving at the bottom of the bag.

10/30/2026

The market your buyers have been waiting for may actually be here right now.

NAR just reported September pending sales down 7.3% from August — the weakest contract volume on record. Asking prices have fallen for eleven straight months, price reductions are climbing, and Freddie Mac held rates flat this week while daily benchmarks are already drifting back toward the low 7s.

Chief economist Lawrence Yun says rates may be topping out. Realtor.com says the market buyers have been waiting for has arrived. Sixty-four percent of markets still saw prices rise in September, which means sellers have equity confidence — but buyers have negotiating power.

The play right now is straightforward: write the aggressive offer, ask for the credits, and keep the contingencies. Send me your buyers and I will run the payment scenarios so they can see exactly what buying today looks like. This window is open right now — and it will not stay open forever.

10/30/2026

Think you need a 700 credit score to buy a home? You might be surprised by how wrong that number is.

And if you've been putting off buying because of your credit, this could change everything.

According to a recent Veterans United survey, 57% of prospective buyers think they need a credit score of at least 660 to qualify for a mortgage. And 34% believe they need 700 or higher.

But here's what many people don't realize.

The traditional benchmark for many conventional loans has been 620. And with recent changes to mortgage credit scoring, even that isn't a hard-and-fast requirement for every loan.

Plus, lenders are beginning to adopt newer credit scoring models that could help millions more Americans get evaluated for a mortgage.

So, the number you see on your credit monitoring app may not tell the whole story about your ability to buy a home.

Does that mean everyone can qualify? Of course not. But it does mean you shouldn't count yourself out before talking to a professional.

Curious where you actually stand? Send me a message, and let's connect you with a lender who can help you find out.

10/30/2026

I'm in Florida this week with my family.

Yes, I'm still working.
Calls in the morning. Files get done.

But the rest of the day belongs to them.

Here's something I have to remind myself of:
Don't get so busy building a business that you forget to build a life.

The whole point of the work is the people you're doing it for.
That's true for the Veterans and families we serve.
And it's true for mine.

Be honest. When's the last time you actually unplugged? THIS MONTH or CAN'T REMEMBER.

FOLLOW VA LOAN BOSS FOR REAL TALK ABOUT BUSINESS AND LIFE

10/30/2026

We just helped a family get $1,000 back at closing, which made their purchase essentially zero down. Here is how that works.

When you buy a home in Texas using a VA loan, there are a few upfront costs to plan for. First are your inspections. You will need a standard home inspection plus a termite inspection, which is required for VA loans in Texas due to the soil conditions here. That requirement varies by state, so if you are watching from Minnesota, you are not required to get one, though you probably should.

Then there is earnest money, which is your good faith deposit that tells the seller you are serious. In Texas we also have what is called an option period, which in other states is called a due diligence period. Unlike some states where it is automatically included, in Texas you actually purchase the option period from the seller. Both the earnest money and option money are held in escrow with the title company, and your inspection fees are paid directly to the inspector.

All of that adds up to your true cost to get into a home. Knowing those numbers up front is how we put our clients in the best position possible.

10/29/2026

What if you finally get an offer on your house... and then the buyer backs out?
It's every seller's nightmare. And with headlines about canceled contracts on the rise, it's a concern worth talking about.

But here's what those headlines aren't telling you: 85–90% of home sales still make it to closing.

And there's more good news. You can actually take steps to protect your sale before your house even hits the market.

According to a Redfin survey, 70% of agents say inspection or repair issues are a reason buyers back out. That's the biggest reason reported, by far.

So, what's one smart move you can make?

Consider getting a pre-listing inspection. It could help you spot potential problems early, decide what to fix, and avoid surprises that might send a buyer running.

And that's just one piece of the puzzle. The right preparation, pricing, and negotiation strategy can make a real difference.

Selling your house doesn't have to feel like a gamble. A little preparation can give you a much stronger start.

Thinking about selling? Send me a message, and let's talk about how to set your sale up for success.

10/29/2026

Difficult and not allowed are two completely different things.

An active-duty family wanted a duplex.
Nothing crazy. Live in one side. Rent out the other.

Somebody made it sound like VA was really meant for a single-family home.

So we slowed down and looked at what VA actually allows:
A VA buyer can purchase a 2 to 4 unit property, as long as they meet the occupancy and underwriting requirements.

We reviewed their entitlement, income, reserves, and expected rental income.
And we made sure the property itself worked for VA financing.

They bought the duplex.
Moved into one unit.
Had a tenant helping offset the mortgage from day one.

And when they PCS'd, they left owning an asset that could keep producing income.

That creates options.

Full duplex breakdown on YouTube tomorrow at 10 AM Central.

Did you know VA could buy a duplex? YES or NO.

Address

2652 FM 407 Suite 215A
Bartonville, TX
76226

Opening Hours

Monday	8am - 5am
Tuesday	8am - 5pm
Wednesday	8am - 5pm
Thursday	8am - 5pm
Friday	8am - 5pm

Telephone

+14693406451

Website

http://www.veterancommunitymortgage.com/

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