The Houck Group Home Loans

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The Houck Group Home Loans

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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

10/16/2026

MORTGAGE RATES HAVE OFFICIALLY BROKEN US.

It's gotten so bad around here that we've resorted to mortgage dad jokes. 🥹

Somebody please save us. 🫠

But seriously, there's actually some GOOD NEWS coming out of the mortgage market!

According to Mortgage News Daily, average 30-year fixed mortgage rates improved by more than 0.25 percentage points between October 7th and October 15th.

That's an encouraging move in the right direction!

If you've been thinking about buying a home, refinancing, or exploring your options, it might be time to take another look at the numbers.

And please... call us before Jay tells another joke.

📞 (615) 939-2068
📧 [email protected]

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

For educational purposes only. Not a commitment to lend. Rates shown are national averages, not advertised loan offers. Actual rates, terms, and eligibility vary based on borrower qualifications and market conditions.

10/13/2026

RETIREMENT LOOKS DIFFERENT FOR EVERYONE. YOUR MORTGAGE OPTIONS SHOULD TOO. 🏡

What if the equity you’ve built in your home could give you more financial flexibility during retirement?

A reverse mortgage may allow eligible homeowners to:

🔹 Access home equity without required monthly principal and interest payments.

🔹 Supplement retirement cash flow and potentially preserve other investments.

🔹 Access funds through flexible payment options.

🔹 Purchase a new home while potentially reducing monthly housing expenses.

But here’s the thing: Reverse mortgages aren’t for everyone.

They’re a financial tool worth understanding, and knowing your options is where it all starts.

Swipe through to learn how they work, the protections available, and what they could mean for your future.

Your equity. Your retirement. Your options.

📞 (615) 939-2068
📧 [email protected]

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

Educational purposes only. Not a commitment to lend. Eligibility, costs, and terms vary. HECM borrowers must generally be 62 or older and complete HUD-approved counseling. Borrowers must maintain the home, pay property taxes and insurance, and occupy it as their primary residence. Interest and fees accrue, increasing the loan balance. The loan becomes due upon certain events, including sale, death, or failure to meet loan obligations, subject to applicable protections.

10/07/2026

This started with a shed. Somehow, it turned into a conversation about homeownership. ➡️🏠

While Jay’s shed was being delivered, the driver told us something that stuck with us.

A huge percentage of the sheds they deliver are rent-to-own, and he spends a surprising amount of his time repossessing them.

The hardest ones?

The people who were almost done paying. 😯

They made payment after payment. Paid the added costs. Got incredibly close to ownership… and still had to give it back.

And it got us thinking about something bigger.

Renting isn’t automatically a bad decision. Renting without ever finding out if you have another option might be.

Maybe buying doesn’t make sense for you right now.

Maybe it does. ✅

But don’t spend another year assuming homeownership is out of reach because you haven’t asked the question.

Know what your options are. Then make the decision that makes sense for you.

And apparently… take financial advice from the guy delivering your shed. 😂

📲 (615) 939-2068

The Houck Group Home Loans | NMLS ID 1712159 | Equal Housing Lender
For educational purposes only. Not a commitment to lend. Loan terms and eligibility vary.

10/06/2026

September was a good reminder that the market doesn’t have to be perfect for people to keep moving. ➡️

We officially hit 65 closed loans on our way to 100 Wins for 100 Families this year.

And here’s what stood out:

Every single loan we closed in September was a PURCHASE.

Rates moved. Headlines got louder. But buyers were still buying and deals were still getting done.

We’ve also continued to see HELOCs become a huge opportunity for homeowners who want to put their equity to work without giving up the rate on their first mortgage.

So far this year, we’ve closed loans in:

CA • TN • AZ • GA • TX • VT • ID

September also took us to Michigan for training at UWM, and we added another Loan Officer to the crew, Jeremy Morrow.

A lot happening. A lot to be thankful for.

65 down. 35 to go.

We’re coming for 100. 🏡

100 Wins for 100 Families
One hundred loans closed for the people behind the keys.

📲615.939.2068

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

10/05/2026

New week. New opportunities. 👊

Rates are starting the week at a national average of 7.61%, and while we’d all love to see that number lower, there’s still plenty happening in this market.

Homes are still being bought. Deals are still getting done. And creative financing strategies matter more than ever.

The market doesn’t have to be perfect to make a great move. Sometimes it simply takes the right plan, the right numbers, and the right team around you.

We’ll keep watching the market. You keep looking for the opportunity.

Let’s have a great week.

The Houck Group Home Loans | NMLS #1712159
📞 (615) 939-2068 | Equal Housing Lender

📌 For educational purposes only. Not a commitment to lend. Loan terms and eligibility vary. Rates are based off on Mortgage News Daily.

RealEstate TheHouckGroup

10/02/2026

Nothing means more than hearing this from the people we get to serve. 💙

“Great experience working with Jay and the Houck Group. Highly recommend!”

Thank you, James, for trusting Jay and The Houck Group with your home financing. We’re grateful for every opportunity to help make the mortgage process a great experience from start to finish.

⭐️⭐️⭐️⭐️⭐️

The Houck Group Home Loans
📞 615.939.2068
NMLS ID 1712159 | Equal Housing Lender

MortgageExperience Homebuyer

09/30/2026

Somebody moved my car. Rates moved too. Neither one felt great. 🥲

Mortgage rates have moved higher, and there’s no point pretending that doesn’t matter.

It does.

But your interest rate is still only one piece of the equation.

✔️Purchase price.
✔️Down payment.
✔️Seller credits.
✔️Rate buydowns.
✔️Loan program.
✔️Closing costs.

Those numbers can all change what the final deal looks like.

So if rates moving has you questioning your plans, don’t make the decision based on one headline or one number.

Let’s run YOUR numbers and see what options are actually on the table.

And seriously…

Take a picture of where you parked. 😂

09/29/2026

7.5%. 👀

That’s where the average top-tier 30-year fixed mortgage rate has climbed back to, a level we haven’t seen since April 2024.

That number is going to get attention. But before you let it completely change your plans, remember this:

The headline rate isn’t your whole story. ✅

Buying, refinancing, or tapping into your equity may still make sense depending on your numbers, your goals, and the strategy behind the loan.

Markets change. Strategies should too.

If you’ve been sitting on the sidelines wondering what this move means for you, let’s run the actual numbers before you make a decision based on a headline.

📲 615-939-2068

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

Rates based on national averages from Mortgage News Daily as of 9/29/26. Rates are subject to change and may vary based on individual qualifications and loan scenario. Not a commitment to lend.

09/24/2026

WE’RE GROWING. 💪🏡

We’re excited to officially welcome Jeremy Morrow to The Houck Group branch, powered by Secure Choice Lending, as our newest Loan Officer!

For us, growth has never been about simply adding names to the roster. It’s about adding the right people.

People who care about serving families.
People who believe relationships come first.
People who want to grow, work hard, and make an impact.

Jeremy fits right into what we’re building, and we couldn’t be more excited to have him on this journey with us.

More people. More experience. More families we get the opportunity to serve.

Jeremy, welcome to the team! 👊

Now THAT’S a win. 🏆

The Houck Group branch | Powered by Secure Choice Lending | NMLS ID 1712159 | Equal Housing Lender

09/23/2026

No big announcement. No breaking news. We’re all good. 😊

We’re simply planting a tiny seed for the next time you hear the words:

“Do you know a good mortgage lender?”

We’d like our names to magically appear in your head. 🏡😂

That’s it. That’s the post.

The Houck Group Home Loans | NMLS ID 1712159 | Equal Housing Lender | 615.939.2068

Address

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

Telephone

+16159392068

Website

https://linktr.ee/thehouckgroup

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