The Allen Mortgage Team

The Allen Mortgage Team Branch Manager, Pilgrim Mortgage NMLS 225091, Equal Housing Lender | MLO NMLS 1088396

https://activecomp.ly/nmls/1088396

PURSUANT TO THE REQUIREMENTS OF SECTION 157.007 OF THE MORTGAGE BANKER REGISTRATION AND RESIDENTIAL MORTGAGE LOAN ORIGINATOR ACT, CHAPTER 157, TEXAS FINANCE CODE, YOU ARE HEREBY NOTIFIED OF THE FOLLOWING:

CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A MORTGAGE BANKER OR A LICENSED MORTGAGE BANKER RESIDENTIAL MORTGAGE LOAN ORIGINATOR SHOULD COMPLETE, SIGN AND SEND A COMPLAINT FORM TO THE TEXAS DE

PARTMENT OF SAVINGS AND MORTGAGE LENDING, 2601 NORTH LAMAR, SUITE 201, AUSTIN, TEXAS 78705. COMPLAINT FORMS AND INSTRUCTIONS MAY BE DOWNLOADED AND PRINTED FROM THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV.A TOLL-FREE CONSUMER HOTLINE IS AVAILABLE AT 1-877-276-5550. THE DEPARTMENT MAINTAINS A RECOVERY FUND TO MAKE PAYMENTS OF CERTAIN ACTUAL OUT OF POCKET DAMAGES SUSTAINED BY BORROWERS CAUSED BY ACTS OF LICENSED MORTGAGE BANKER RESIDENTIAL MORTGAGE LOAN ORIGINATORS. A WRITTEN APPLICATION FOR REIMBURSEMENT FROM THE RECOVERY FUND MUST BE FILED WITH AND INVESTIGATED BY THE DEPARTMENT PRIOR TO THE PAYMENT OF A CLAIM. FOR MORE INFORMATION ABOUT THE RECOVERY FUND, PLEASE CONSULT THE DEPARTMENT’S WEB SITE

04/30/2026

9 months ago, this VA buyer wasn’t “mortgage ready.”

• Credit score low
• Going through a divorce
• Already turned down by 2 lenders

Most people would’ve moved on.

We didn’t.

We built a plan:
• Credit strategy
• Savings plan
• Check-ins every couple months

No shortcuts. Just ex*****on.

Fast forward to today:

• Credit score up 100+ points
• Strong savings
• Fully approved

And tomorrow…

He closes on his home bringing just $2,800 to the table.

Same buyer. Different outcome.

This was a deal that felt out of reach and a client that had almost been written off.

That’s the difference the right plan (and the right team) makes.

If you think you *may* not be ready yet, you're exactly who I want to talk to.

04/21/2026

Is your credit score between 580–680? You're not out of the game.

FHA loans were designed for your credit range.

-Lower down payment (as low as 3.5%)
-More flexible credit requirements
-Way more forgiving than conventional loans

Most people think they need "perfect credit" to buy a home. That's just not true.

If your profile isn't spotless, stop forcing yourself into loan options that make it harder. FHA might be exactly what you need.

DM me to see what you actually qualify for...you might be surprised.

04/07/2026

Realtors and Loan Officers: This one is for you

"CPAs are too busy during tax season"

Here's the truth: Busy = opportunity.

Right now CPAs are talking to clients about income changes, investment strategies, buying property, 1031 exchanges, and financial plans for the year.

Perfect moment for a CPA to refer a Realtor or Loan Officer who understands investment properties.

Guess what? Didn't happen.

Not because the CPA didn't want to help, but because no Realtor was top of mind.

Over the next 2 weeks, CPAs will have this exact conversation hundreds of times with clients who are thinking about buying investment properties, planning real estate moves, asking about tax strategies for home purchases, and considering 1031 exchanges.

The question is: Will they think of you? Or your competition?

Here's what you need to do:

Don't wait until April 15th is over. Send a quick message to your CPA connections. Drop off coffee or lunch this week. Remind them you specialize in helping their clients with real estate tax strategies. Be the name that comes up when their client asks about buying property.

Tax season isn't the time to step back. It's the time to show up.

The opportunities are happening right now, with or without you.

04/02/2026

The most expensive advice a self-employed buyer gets?

Their CPA.

Not because the CPA is wrong
but because they’re optimizing for ONE thing:

Minimizing your taxable income.

Which is smart…

Until you want to buy a house.

But when you apply for a mortgage?

The bank doesn’t care about your revenue.
They look at your tax return.

Now what you “make” on paper… and suddenly:

• You don’t qualify
• Or you qualify for far less than you need

That’s not a money problem.
That’s a qualification problem.

Business cash flow loans loans change the equation.

• We use 12 to 24 months of deposits or Profit and Loss statement
• Not your tax returns
• Not your write-offs

Yes, the rate might be about 1 percent higher.

On a $500K loan, that’s roughly $300 to $400 per month.

But you saved $200,000 in taxes…

Paying around $4,000 per year to unlock homeownership?
That’s a business decision all day.

Realtors:

That “dead deal” might not be dead. It may just be structured wrong.

Self-employed buyers:

If you’ve been told no, you haven’t been told the full story.

Message me. Let’s look at it the right way.

Thanks to all our amazing customers. If you're looking for a lender for a purchase or refi, call us. One of our core val...
03/03/2026

Thanks to all our amazing customers. If you're looking for a lender for a purchase or refi, call us. One of our core values is reliability, and making sure we get the job done right and on time is our priority!*

This is a review submitted for Network Funding, LP. Original borrower review is published at https://www.facebook.com/networkfunding/reviews/. Some edits may be made to review posts for clarity or to correct errors.

03/02/2026

Want a lower mortgage payment without going through a refinance? Mortgage recasting allows you to apply a lump sum to your principal, and your lender adjusts your monthly payment to reflect the reduced balance. It’s a powerful way to create more breathing room in your budget.

Interested? Reach out today and let's see if it's the best option for you!

02/27/2026

Interest rates moved lower this week. The 10 Year Treasury is looking to close below 4% for this first time since September 2024.

The move lower in yields today was somewhat unexpected after the January PPI report revealed Core Producer Prices rising at +0.8% MoM vs expectations of +0.3%. The +0.8% MoM increase matches levels last seen July 2025 and March 2022 before that. Potential war with Iran and Private Credit concerns are pushing yields lower.

Mortgage Applications increased slightly (+0.4%) WoW, led by Refinances (+4.1%).

Initial Jobless Claims remain muted, rising 4k Wow to 212k, below expectations of 215k.

Odds of a June rate cut are now 56% vs 54% last week.

02/20/2026

Interest rates moved higher this week.

While Existing Home Sales was disappointing last week, falling 4.4% YoY, New Home Sales finished 2025 +3.76% YoY at a 745k annualized pace. Housing Starts also finished the year on a positive note, rising 6.2% MoM.

Inflation data was disappointing. Headline and Core PCE both came in hotter than expected, rising +0.356% MoM / +2.9% YoY and +0.355% MoM / +2.997% YoY. Consumer Spending outpaced Incomes, with spending rising +0.425% MoM / +4.683% YoY and incomes rising +0.326% MoM / +4.303% YoY.

Initial Jobless claims continue to remain steady, falling -23k WoW to 206k.

The Supreme Court struck down tariffs that were imposed via the International Emergency Economic Powers Act (IEPPA)(1977). The ruling did not address whether the government will have to pay back tariff revenue it has collected. The White House, anticipating the ruling, has already imposed a 10% global tariff under Section 122 of the Trade Act of 1974, which allows the president to impose tariffs for up to 150 days.

After all was said and done, odds of a June rate cut fell -6.5% to ~52%.

02/18/2026

🏡 Did you know? 84% of Americans say homeownership is a priority.

There’s nothing quite like having a place to truly call your own — building memories, creating stability, and investing in your future. 💙

If owning a home is on your goal list, you’re definitely not alone! Let’s turn that priority into a plan. ✨

04/01/2024

It’s the 1st, your rent is due today & that’s not a lame April Fools joke (okay, maybe it is slightly)

If you wanna fire your landlord & start building YOUR own wealth…. Gimme a holla! 😉

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16702 House Hahl Road Bldg 7B
Cypress, TX
77433

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