Wendy St.Clair - Loan Officer at Empire Home Loans,Inc. - NMLS 475089

05/10/2026

03/10/2026

Celebrating National Women’s month and Ruth Hitchings Pool😊

01/06/2026

Beautiful Orca

01/01/2026

Happy New Year from San Antonio!

01/01/2026

Are you in trouble or do you need a ride? I guess everyone beeds a side hustle these days🤣

12/20/2025

Mortgage interest rates can vary, affecting your home purchase or refinance costs. A mortgage broker can help you compare rates for potential savings. Ready to buy a home or refinance? Contact me for a free mortgage check-up and see how much you could save! Let's achieve your financial goals! [email protected]

11/26/2025

I wanted to be sure to thank all of you that have contributed to making my business successful.
I am so grateful for the friendships I have made a long the way. You mean the world to me, and I appreciate
all the support, and friendships you have given me. Thank you for joining my journey!

11/12/2025

11/12/2025

I understand the needs for reduced payments, but in the long run, this may no be a good solution.

A lower payment feels good today, but debt that long keeps you broke tomorrow.

A 50-year mortgage sounds good until you do the math.
Sure, the payment looks smaller, but that extra 20 years will cost you a fortune in interest.

Let’s say you buy a $300,000 house.
At a 6.5% rate on a 30-year loan, you’ll pay about $682,000 total.
Stretch that same loan to 50 years and you’ll pay around $1.1 million.

That’s over $400,000 more just to have a smaller payment.

The bank wins every time.