The Houck Group Home Loans

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Chapel Hill, TN
The Houck Group Home Loans

With a real estate background since 2004 and mortgage expertise since 2018, We're here to help you navigate the home financing journey.

Let’s make your dream home a reality! NMLS: 1712159 DRE: 01463791
Company NMLS: 1689518
nmlsconsumeraccess.org

09/02/2026

The market is challenging. We’re not going to pretend it isn’t.

Rates are up. Inflation is up. Housing has slowed down.

But here’s the thing…

What are we speaking over our own lives?

There is a difference between acknowledging reality and allowing negativity to become our reality.

Instead of:

❌ “I can’t afford a house.”
Try: “How can I?”

❌ “The market is terrible.”
Try: “Where are the opportunities?”

❌ “I’ll never get there.”
Try: “I’m not there yet.”

You don’t have to ignore the challenges. You just don’t have to let them dictate your attitude.

Speak life. Keep moving. Look for the opportunity.

You never know what can change when you stop focusing on everything that’s wrong and start looking for what’s possible.

That’s a Win-Win. 🏡

Mindset SpeakLife

08/26/2026

Turns out Tex and our loan team have a lot in common. 😂🐾

Every morning, Tex checks the fence line to make sure everything is exactly how it should be.

We take the same approach with your home loan.

We stay on top of the details, watch for changes, and work to keep everything moving toward closing.

Tex has the fence covered. We’ve got the loan. 🏡

Everybody’s got a job.

📌The Houck Group Home Loans | NMLS ID 1712159 | Equal Housing Lender

08/19/2026

Got a listing that needs a little extra attention? 👀🏡

Before immediately reaching for another price reduction, there may be another strategy worth exploring.

A 2/1 temporary buydown.

We’re teaming up with Realtors and sellers to create financing strategies that can help a listing stand out and give buyers another reason to take a look.

Here’s an example of how a 2/1 buydown could work:

🔹 Year 1: Buyer’s payment based on 4.99%*
🔹 Year 2: Buyer’s payment based on 5.99%*
🔹 Year 3+: Full 6.99% note rate*

The goal? Give the buyer some breathing room during those first two years while giving the seller another tool to help move the home.

And we’ll help with more than the financing.

Send us the listing and we’ll help:

🏡 Run the numbers
📊 Structure the buydown strategy
📱 Create co-branded marketing
🤝 Give you another tool to help get that home SOLD

Send us the listing. We’ll build the strategy.

📲 615.939.2068

📌*Example financing scenario assumes an eligible 30-year fixed loan with a 2/1 temporary buydown. Example uses a 6.99% note rate with the buyer’s payment based on 4.99% in Year 1 and 5.99% in Year 2 before returning to the full 6.99% note rate beginning in Year 3. Home price of $599,900 with 20% Down is used for the example. APR 7.07%. Rates, APR, and terms are subject to change and may vary based on borrower qualifications, loan program, property, and available concessions. Subject to credit approval and program guidelines. Not a commitment to lend.

08/17/2026

📉 DON’T LET ONE DAY FOOL YOU.

Mortgage rates saw a small bump to start the week, but zoom out and there’s still some encouraging news.

The average 30-year fixed is sitting at 6.73%, compared with 6.76% on last week’s Market Pulse, and rates remain well below the recent highs we saw in July.

So why the Monday bump?

🌎 Renewed U.S./Iran tensions
🛢️ Higher oil prices
📈 Pressure on the bond market

Oil has been especially important lately because higher energy prices can fuel inflation concerns. And when inflation expectations rise, mortgage rates tend to feel the pressure.

The bigger picture: despite some day-to-day volatility, rates are still hanging around some of the better territory we’ve seen over the past month.

And that matters.

If you’ve been waiting for the “perfect” market before making a move, remember that opportunities often show up in the small windows between the headlines. Strategy matters more than trying to perfectly time a rate.

Have questions about what today’s market looks like for your situation? We’re here to help. 🏡

📞 615.939.2068

The Houck Group Home Loans
NMLS #1712159 | Equal Housing Lender

Rate information shown is based on national averages from Mortgage News Daily as of 8/17/26 and is for informational and illustrative purposes only. Rates are subject to change without notice and are not a commitment to lend. Actual rates, terms, and eligibility vary based on borrower qualifications, loan program, property, market conditions, and other factors.

08/13/2026

Buying a home is expensive.

And not only because of the mortgage.

Moving. Furniture. Getting settled. All the little things that come with turning a house into your home. 🏡

That’s where a 2/1 buydown can be worth a conversation.

A 2/1 buydown can temporarily reduce your initial payments for the first two years:

🔹 Year 1: Payment calculated using a rate 2% below the note rate
🔹 Year 2: Payment calculated using a rate 1% below the note rate
🔹 Year 3+: Payment based on the full note rate

And here’s where the strategy gets interesting...

In the right situation, an eligible seller or builder contribution may be used to fund the temporary buydown.

So when you’re negotiating on a home, the conversation doesn’t always have to be:

“How much can we get them to drop the price?”

Sometimes the better question is:

“How can we structure this deal to work better for me?”

Because the best deal isn’t always the lowest price.

It’s the one that makes the most sense for you.

Want to see if a 2/1 buydown could fit your homebuying strategy?

📲 615.939.2068

The Houck Group Home Loans | NMLS ID 1712159 | Equal Housing Lender

📌For informational purposes only. Not a commitment to lend. Temporary buydown availability, terms, and eligibility vary by loan program and borrower qualifications. Borrower must qualify at the full note rate. Seller or builder contributions are subject to applicable loan program limits and requirements. Rates and terms are subject to change without notice.

08/11/2026

📊 The trend matters more than the day.

If you compare this week's Market Pulse to last week's, you'll notice something encouraging. 👀

Mortgage rates are lower than they were a week ago, even after a slight uptick to start the week. 📉 That's a good reminder that daily headlines don't always tell the full story.

This week's increase was largely tied to higher oil prices, but rates are still holding near their best levels in several weeks. The next big test comes with this week's inflation reports, which could have a meaningful impact on where mortgage rates head next.

Here's the takeaway:

Don't let one day's movement distract you from the bigger picture. Markets move every day, but smart homebuying decisions are built on long-term strategy, not short-term headlines.

Whether you're buying your first home, moving up, investing, or simply watching the market, we're here to help you understand your options.

📞 615.939.2068

The Houck Group Home Loans
Powered by Secure Choice Lending
NMLS 1712159 | Equal Housing Lender

Rate information shown is based on national averages and sourced from Mortgage News Daily. Rates shown are for illustrative purposes only, are subject to change without notice, and are not a commitment to lend. Loan terms and eligibility vary based on borrower qualifications and market conditions.

08/10/2026

JUST CLOSED! Congrats to the first time buyers!!! Thanks to Uptown Escrow Services and The Houck Group Home Loans! The DREAM TEAM! If you are thinking of buying call us 909-867-9772.

08/05/2026

Every business has a beginning. 💼

Ours didn’t start with a loan.

It started with one woman who took a chance on a career in real estate.

That decision eventually led Jay into real estate, then into mortgage lending, and over the years it grew into something much bigger than any of us could have imagined.

Today, multiple members of our family have the privilege of helping people buy homes, build wealth, and create memories that last for generations. ✅

This trip back to where it all began was a reminder that legacy isn’t built overnight.

It’s built one relationship.
One family.
One home.
One decision at a time.

We’re incredibly grateful to everyone who has trusted our family over the years. You’re part of this story too.

Where did your family’s story begin? We’d love to hear it below.

📍Running Springs, California

The Houck Group Home Loans | Powered by Secure Choice Lending | NMLS #1712159 | Equal Housing Lender

08/03/2026

🌎 One weekend can change the conversation.

Just days after mortgage rates pushed back toward recent highs, easing tensions in the Middle East helped lower oil prices and gave the bond market some much-needed relief.

It's a great reminder that mortgage rates aren't driven by housing alone. Global events, inflation, jobs data, and the bond market all work together to influence where rates move next.

While today's improvement is encouraging, markets remain highly sensitive to new headlines, with this week's jobs report likely to be the next major catalyst.

The takeaway? 👀

Trying to perfectly time the market is nearly impossible. Having a solid financing strategy and knowing your options will almost always matter more than chasing the "perfect" rate.

If you're wondering what today's market means for you or your clients, we'd be happy to help.

📞 615.939.2068

The Houck Group Home Loans
Powered by Secure Choice Lending
NMLS #1712159 | Equal Housing Lender

Rate information shown is based on national averages and sourced from Mortgage News Daily. Rates are for illustrative purposes only, are subject to change without notice, and are not a commitment to lend. Loan terms and eligibility vary based on borrower qualifications and market conditions.

HomeLoans HomeBuying TheHouckGroup MortgageNews BondMarket MiddleEast TennesseeRealEstate

07/29/2026

It’s never just about the loan. 💸

It’s about the memories that come after.

The first cup of coffee on the porch.
The kids playing in the backyard.
Watching the sunset from your deck.
Breathing in the mountain air after a long week.

Helping people finance homes is what we do.

Helping families find a place where life happens… that’s what we love.

If you’re thinking about buying your next home, we’d be honored to help you every step of the way.

📞 Call or Text: 615-939-2068

Powered by Secure Choice Lending

The Houck Group Home Loans
NMLS #1712159 | Equal Housing Lender

DreamHome

Address

4682 Nashville Highway, Suite C&D
Chapel Hill, TN
37034

Telephone

+16159392068

Website

https://linktr.ee/thehouckgroup

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