Lance Rosenquest - Nexa Mortgage - NMLS# 1087698

07/24/2026

I'm in a group of loan officers from all over the country, and there's one thing that's been getting deals for just about all of them and it also works for realtors.

It's a simple marketing move that most real estate agents never actually do. I'm breaking the whole thing down in an email to my realtor list tomorrow.

If you want it in your inbox, click the link in my bio to join, or click the link in the comments.

07/20/2026

Most of the people I end up pre-approving to buy a home are actually in BETTER shape than they think.

There are a ton of misconceptions out there about what it actually takes to buy a home. Down payment, credit score, job history, all of it.

If you're renting right now but want to own a home at some point, (even if thats years from now) this is good to know.

I built a quiz that takes about 2 minutes. No credit pull or anything. It just tells you what kind of shape you're in.

You'll either see if you're in a good spot to buy, or find out what you need to work on. Either way, it's a great use of 2 minutes.

I'll drop the link in the comments.

07/17/2026

I've met a lot of business owners who assumed buying a home wasn't possible because of what was on their tax returns. Before you assume buying a home isn't possible, talk to someone who understands self-employed financing.

The reality is, many business owners legitimately write off expenses to lower their taxable income. The downside is that it can also make it look like they earn much less than they actually do. If your lender only looks at your tax returns, you may walk away thinking homeownership is off the table. It might not be.

That's why I like to meet with people before they ever start house hunting.

We'll look at your overall financial picture, talk through the loan options that fit your situation, and build a game plan based on your goals. Sometimes the answer is, "You're ready now." Other times it's, "Here's what we need to do over the next few months." Either way, you'll know exactly where you stand instead of guessing.

If you're self-employed and wondering whether buying a home is possible, I put together a quick Homebuyer Quiz to help you figure out where you stand. It only takes a couple of minutes. I'll put the link in the comments.

07/15/2026

Would you rather have home prices drop by 10% or rates drop to 4%?

What would make you more likely to buy? Drop your answer in the comments.

07/14/2026

Helped a first-time buyer close on their first home a few months ago. When they first reached out to me, they were convinced they were at least a year away from being ready.

Turns out they had enough saved for a down payment and didn't even know it. They were waiting to hit some magic number that nobody actually told them they needed.

We ran their numbers, figured out what they actually qualified for, and they were under contract within 60 days.

This happens more often than you'd think. A lot of people are closer than they realize and they're just sitting on the sideline waiting for something that's already here.

If you're curious where you stand, I have a free quiz that walks you through it in about two minutes. Link in the comments.

07/13/2026

Crazy how many people still think you need 20% down to buy a house.

I talk to people every week who think they need to save $60,000 or $80,000 before they can even start the process. That's a ton of money, and that number keeps them renting for years when they could have actually bought a home.

There are loan programs that let you buy with 3% down. That's only $12,000 on a $400,000 house. Some programs let you do even less. If you're a veteran, you can buy with zero down. The math on what you really need is probably way lower than what you've been assuming.

I have a free quiz that walks you through a few quick questions and tells you exactly where you stand. Takes about two minutes. Link is in the comments if you want it.

07/12/2026

There are basically three things that actually determine what you can afford when buying a home.

One, your income VS your debt. Lenders look at how much you make compared to what you already owe each month. Car payments, credit cards, student loans. This is the biggest factor.

Two, your down payment. Not because you need a huge one, but because how much you put down changes your monthly payment and what programs you qualify for.

Three, your credit. It affects your rate, which affects your payment, which affects how much house you can actually get.

Here's what I’ve found, most people guess at all three and are actually in way better shape than they think.

I'm sending an email to my list tomorrow that breaks down exactly how these three work together. If you want it, I’ll drop the link to my email list in the comments.

06/16/2026

If you bought a house and your rate is above 5%, I highly recommend getting on my Refi Watchlist.

It's 100% free, takes about 60 seconds, and all you do is answer a couple questions about your loan.

From there I monitor rates for you and reach out the moment refinancing actually makes sense for your situation.

Rates move every single day and sometimes the window closes fast. I watch the market so you don't have to.

12/07/2025

12/01/2025

Love supporting local businesses like Perky Beans Coffee & PB Cafe!

This Small Business Saturday we would like to celebrate all the business owners, dreamers, and neighbors who keep our local community thriving.

At Perky Beans Coffee & PB Café, we’re proud to be a local spot where small businesses connect, collaborate, and caffeinate! ☕ Like this group of small business owners who meet at Perky Beans Coffee for their BNI Achiever's Network - Liberty Hill, TX. We’re so grateful for the friendships, partnerships, and community you help build right here in Leander and Liberty Hill.

Thank you for continuing to shop small and support local! 💙

Tagging some of the amazing local business owners:
Laura Britt - Realtor, CNE, GRI, SRS Handy Renovations Aqua Pearl Pools TX Brightway insurance, The Herron Family Agency Lance Rosenquest - Nexa Mortgage - NMLS # 1087698 Vaquero Plumbing LLC DAMN Good Marketing McKee Media Portrait Design by Esmeralda