Tony Walker Mortgage Mortgage 101

08/21/2026

3 Real Estate Trends to Watch

Buyers are gaining negotiating power.
Mortgage rates are keeping buyers on the sideline.
Inventory is improving but prices are not crashing.

The solutions structuring the file to take advantage of sales concession to make the home fit the borrowers affordable button. Use that negotiating power and increase in inventory to help the borrower.

Don't forget to review other programs to see if there is a better fit like an ARM or a Goverment program.

EPM can assist you structuring your file. Call 469-288-4472 or [email protected]

08/18/2026

🚨ATTENTION MORTGAGE BROKERS
Your next cash-out refinance lead may already be living in your database
While you're busy hunting for the next deal...

Your past clients are sitting on six figures in equity wondering how they're going to pay for:
✔️Home updates
✔️Credit card debts
✔️College tuition

Sometimes the best lead isn't a new lead. It's the homeowner who has forgotten how much equity they've built 😀😀

AT EPM WE DON'T HAVE ANY OVERLAYS ON CONFORMING CASHOUT!
Call 469-288-4472; Email [email protected]; or DM me

08/05/2026

USDA Did You Know

1. USDA allows 100% Financing
2. If the property appraises for more than the purchase price you can include closing costs in the loan amount!
3. USDA allows manual underwriting
4. Manufactured homes are OK - Single Wide, Double Wide no problem
5. USDA allows borrowers with no scores
6. Many USDA rural areas are just outside of major metro areas!
7. USDA does not require reserves.
8. USDA borrowers can streamline their current loan and include closing costs.

To discuss your USDA scenario call 469-288-4472 or email [email protected] me

07/30/2026

VA loans are one of the greatest benefits a Veteran receives for serving his country.

1. With full entitlment a Veteran can do either 100% LTV on a purchase or 100% cash out.
2. If they want to purchase their next dream home they may have enough entitlement left to do this.
3. There is no monthly mortgage insurance.
4. A disabled veterans disability pay is grossed up 125%.
5. 100% disabled veterans often do not have to pay real estate taxes or get a reduction of taxes in the state they live in.
6. Credit qualification is simple a Veteran must pay their debt on time for 12 months prior to the mortgage application.

For more information or to discuss your scenario call me 469-288-4472 or email [email protected]

07/23/2026

Manufactured Homes
With the high costs of homes many borrowers turn to these. Here are some important notes on these properties.

1. EPM can do these on Conventional, FHA, VA and USDA programs.
2. The manufactured home has to be classified as real property. This means home and land.
3. USDA the unit must have been built after January of 2006. The other programs after June 15 1976.
4. FHA and USDA do not allow the property to be in flood zone A or V.

07/21/2026

Today we focus on Bank Statement loans. At EPM if your borrower does not qualify with traditional tax returns this is a great option.

Up to 90% LTV
12 or 24 months bank statements
Personal or Business statements
Primary, Secondary, or Investor properties
Competitive pricing
Speedy turn times

Call me 469-288-4472 or [email protected]

07/20/2026

We do easy loans fast we do tough loans fast.

Great pricing above 660 means your client stays with you.
FHA and VA down to 500 means you have more options for other clients
USDA to 580 with manual underwriting means you can do more for your clients.

Reach out to EPM today to find out what else we can do 469-288-4472 or [email protected]

We are able to provide industrial seals and gaskets to manufacturing plants across the globe. From hydraulic seals to pneumatic seals, you can rely on us to have the type of seal you need.

07/16/2026

Manufactured Homes
Due to the high price of construction they are now a viable option. Here are some items you should know.

1. EPM allows them on Fannie, Freddie, FHA, and VA loans.
2. We don't have a pricing adjustment for these.
3. Make sure the home has not been moved from the original location.
4. Check to see if the property is in flood zone A or V
5. Make sure the borrower owns the land.

Call me today if you are looking for the best price and a lender who knows manufactured homes 469-288-4472

07/15/2026

Top 5 lead sources for Loan Officers in 2026. Call me 469-288-4472 for marketing ideas.

No 5. YouTube
examples
- VA loan myths
- FHA versus Conventional

No 4. Google Business Profile
Make sure you show up in "mortgage lenders near me" search

No 3. Social Media
Loan officers generating leads are posting consitently with content rather than making sales pitches. Examples:
- Can I qualify with 620 score
- Down payment assistance programs
- First-time buyer tips

No 2. Past Client Database
- Monthly email newsletters
- Quarterly mortgage reviews
- Birthday and home anniversary messages
- Annual equity reviews

No 1. Realtor Relationships
Successful LOs:
- Preview new listings
- Host opern houses with agents
- Provided co-branded marketing
- Pre-underwrite buyers before offers.
- Call 5-10 new agents every day

Good luck and keep working. The best way to eat an elephant is one bite at a time.

05/29/2026

Here is a great cheat sheet for most programs.