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Cary Tennis Mortgage Team

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College Station, TX
Cary Tennis Mortgage Team

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Mortgage Lender | NMLS #1184587
Pilgrim Mortgage | NMLS ID 225091
Helping people build generational wealth. As the spouse of a U.S.

Pilgrim Mortgage, LLC
NMLS #225091 | Equal Housing Lender

Hello! I’m Cary, a Texas Mortgage Advisor with Pilgrim Mortgage. I love helping families move forward with clarity and confidence through homeownership. Whether you're buying your first home or your next one, I walk alongside you to make the financing process simple, well-understood, and personalized to your goals. Marine, I have a special heart for serving veterans and supporting their home financing needs, including VA loans and IRRRL refinances. I also work closely with self-employed borrowers, helping navigate income complexity with tailored mortgage solutions. Working alongside a dedicated team, I focus on creating a smooth, well-communicated experience from application to closing, with a wide range of loan options to support each client’s unique situation. Outside of work, you’ll find me serving and singing at Christ Church, spending time outdoors with my family, or enjoying a good book. Let’s build your next chapter with confidence. Learn more: https://pilgrimmtg.com/

NMLS License Link: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1184587

11/04/2026

Think owning a home is still a few years away? Let's talk about that! 🏡❤️

We hear it all the time. Buyers assume they need a huge down payment, perfect credit, or years of saving before they can even start thinking about homeownership.

But the truth is, you may have more options than you realize!

From exploring down payment programs to understanding your credit and finding the right financing strategy, a little guidance can make a big difference.

And even if you're not quite ready today, that's okay! The important thing is knowing where you stand and having a plan to get where you want to be.

☕️ DM us today, and let's see how close you really are to owning a home!

Pilgrim Mortgage

11/03/2026

How To Win Back Your Buying Power

The recent jump in mortgage rates cut about $22k from what a buyer with a $2,000 monthly budget can spend. But you can win most of that back at the negotiating table. More than 4 in 10 homes for sale have had a price cut. And the typical cut is about $18k on a median-priced home. That’s just a price cut alone. You may also be able to ask for repair credits, closing cost help, and more. Let’s find the homes where sellers may have some wiggle room and see what we can negotiate.

Message me! I'm here to help you.

11/02/2026

Credit Scoring Is Changing: 3 Things Homebuyers Should Know

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.

Message me! I'm here to help you.

10/31/2026

Are you a prisoner of your low mortgage rate? 🏡🔒

You locked in a 2%, 3%, or even 4% rate, and now the thought of moving feels impossible. After all, who would want to give that up?

But here's something worth asking: Is that great rate keeping you in a home that no longer fits your life?

Maybe your family is growing, you're ready to downsize, or you simply want to be closer to the people you love. ❤️

Your low rate has value, but so does the equity you've built over the years! And that equity could make a bigger difference in your next home purchase than you might think.

Before you decide moving isn't an option, let's look at the whole picture. Your equity, your potential new payment, and most importantly, your goals.

You might have more options than you realize!

☕️ DM Cary today, and let's run the numbers together!

Pilgrim Mortgage

10/30/2026

The Fed just met and they decided on no rate hike and no rate cut. So, what does that mean if you're watching and hoping for lower mortgage rates?

The short answer: don't expect this to dramatically change things.

For now, they’re holding steady. But a recent survey from Reuters asked 100 economists what to expect from here – and all 100 said the Fed will do a hike in December.

Now, the Fed doesn't directly set mortgage rates, but their actions do have an impact. Rates will also move based on inflation, economic data, and how financial markets react.

The takeaway? There’s a lot at play here – and we’ll probably see a hike the next time they meet.

Follow me for straightforward updates on what’s actually happening and why it matters for the housing market.

Message me! I'm here to help you.

10/29/2026

Here's something most buyers overlook…

When the housing market slows down, homeowners and builders don't always have the same priorities.

A homeowner may be willing to wait for a better offer. But builders with completed homes sitting unsold often have more reason to keep sales moving.

In October, over 60% of builders offered some type of incentive. And almost half (43%) cut prices.

That could mean more negotiating opportunities for you.

The trick is knowing where to look. Let's find the builders with more move-in-ready homes available right now and see what they're willing to offer to get their inventory sold.

Message me! I'm here to help you.

10/29/2026

You trusted me to help you get into the one. 🏡❤️

Not just any house, but the one you've been dreaming about. The one where memories will be made, milestones will be celebrated, and a whole new chapter begins.

Behind every mortgage is a story, and being trusted to play a part in yours is something I'll never take for granted.

Thank you for letting me be part of your journey home. It means more than you know! 🤍

Ready to find your one? DM us today, and let's talk about making that dream a reality!

Pilgrim Mortgage

10/28/2026

In case you haven’t heard, 27% of homes sold in September were bought with cash, according to NAR. That’s more than 1 in 4.

When you hear a number like that, it’s easy to wonder how that’s even possible nowadays – especially with so many people struggling with affordability.

You might picture wealthy investors with deep pockets…but not all cash buyers are who you'd think.

Some are just regular homeowners who’ve built up enough equity over the years to sell their house and buy their next one in cash.

So sure, affordability is tight. But that doesn't mean buying a home today is only possible for the wealthy or big investors.

If you own a home and you’ve lived there for a while, you may be in a better position to move than you think.

Want to know how much equity you have? Let’s find out what it could do for your next move.

Message me! I'm here to help you.

10/27/2026

Buying a home is exciting, but skipping the important steps can make the process a whole lot more stressful! 🏡

From understanding your budget to getting pre-approved and exploring your loan options, a little preparation goes a long way.

And the good news? You don't have to figure it all out on your own!

At Cary Tennis Mortgage Team, we're here to walk you through the numbers, answer your questions, and help you feel confident about every step toward homeownership. ❤️

Thinking about buying? DM Cary today and let's get you started on the right path!

Pilgrim Mortgage

10/26/2026

Why Builders May Be More Motivated To Sell Than Homeowners

Pending home sales just dropped 11.3% compared to last year. But what if that slowdown could actually help you get a better deal on a brand-new home?
Here's why that matters.

When the market slows, homeowners and builders don't always react the same way.

A homeowner who isn't getting the offers they want can decide to stay put and wait. But builders? They've already invested in houses they need to sell. And every completed home that sits unsold costs them money.

That can make builders more motivated to negotiate. And the numbers prove they're already making moves.

According to the National Association of Home Builders, 65% of builders are offering incentives, and 43% are cutting prices. The typical reduction? 6%.
For buyers, that could mean serious savings. Think lower prices, help with closing costs, or even a better mortgage rate.

And the biggest opportunities may be hiding in brand-new homes that are already built and waiting for buyers.

So, before you rule out new construction, let’s see which builders in our area may be ready to negotiate.

Message me! I'm here to help you.

Address

4438 State Highway 6 S #501
College Station, TX
77845

Website

https://myloan.pilgrimmtg.com/homehub/signup/[email protected]?from_mobile_share=true, https://pilgrimmtg.com/,

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