JTS & Co. Mortgage Professionals nmls#55275

06/01/2026

05/14/2026

We are deeply honored to share that JTS & Co. has been voted Best Mortgage Company in the Golden Triangle for the 17th consecutive year.

This recognition represents nearly two decades of trust, partnership, and shared milestones within our community. Since 1996, our mission has been to provide stable, strategic financing solutions, but it is the people: our clients, our referral partners, and our dedicated team: who make this work truly meaningful.

Consistency in this industry is built on relationships, and we are grateful for every opportunity to help our neighbors navigate the path to homeownership. Thank you for your continued trust and for allowing us to be a part of your financial journey. We look forward to serving the Golden Triangle for many years to come.

05/10/2026

Is saving $500 a month the "magic number" for a refinance?

In the mortgage world, we often hear the "$500 Question." Many homeowners use $500 in potential monthly savings as the unofficial threshold to determine if a refinance is worth the effort. While that’s a solid benchmark, a strategic approach requires looking at the math behind the move.

The real key is the break-even analysis. This calculation tells you exactly how many months it will take for your monthly savings to cover the closing costs of the new loan. If you plan on staying in your home long past that break-even point, the move likely makes strategic sense.

Every financial picture is different. We look at more than just the rate: we consider your long-term stability, debt-to-income ratio, and overall equity goals. Sometimes a smaller savings amount makes sense if it aligns with a shorter loan term or strategic debt consolidation.

Don’t just chase a lower rate; chase a better financial position. Let’s run the numbers together and find your specific break-even point.

Visit our website for a "Mortgage Checkup" or reach out to chat.

05/07/2026

Veterans, have you noticed the recent 26% surge in VA refinance applications? There’s a very strategic reason for it, and it’s called the VA IRRRL.

Known as the "Streamline" refinance, the Interest Rate Reduction Refinance Loan is often considered a financial "no-brainer" for those who already have a VA loan. Why? Because it’s designed to be the fastest, simplest path to a lower monthly payment.

Here is why it’s a strategic move:
🔹 No appraisal is required in most cases.
🔹 Minimal paperwork and credit documentation.
🔹 No out-of-pocket costs (most fees can be rolled into the loan).
🔹 The primary goal is a lower interest rate and improved financial stability.

If you’re currently in a VA loan, this is the easiest way to run the numbers and see if you can improve your monthly cash flow. At JTS & Co., we’ve been helping local veterans navigate these programs since 1996. We live and work where you do, and we’re here to help you maximize your benefits.

Ready to see if a Streamline Refi makes sense for your family? Let’s look at the math together.

Visit us at jts-co.com or send a message to start your Mortgage Checkup.

JTS & Co. NMLS 55275

04/27/2026

Big news for fixer-upper fans! The FHA Limited 203(k) renovation loan limit has increased to $75,000. This makes significant upgrades much easier without full 203(k) complexity. Strategic for today's market. How do you feel about renovation projects?

04/27/2026

FHA rates are outperforming conventional options right now, making them a secret weapon for affordability. 🏠 Let’s run the numbers to see if an FHA loan is your best move!

04/25/2026

Many homeowners sit on $128k in equity while carrying high-interest debt. Consolidating can save you thousands in total interest. What do you think about using equity to manage debt in today's market?

04/24/2026

Refinance demand just surged 45%! 🚀 While big-box banks get bogged down in paperwork, our local team moves faster for our clients. Don’t miss this shift: let’s run the numbers and see how much you can save. 🏠📊

04/22/2026

Keeping a low mortgage rate while carrying high-interest debt can be costly. Total interest expense is what matters for your math. How do you weigh a low rate against the cost of unsecured debt?

04/20/2026

Manufactured housing has evolved. Multi-story and multi-unit designs now offer high-quality alternatives to traditional homes. We provide strategic financing for these modern builds.