Excel Mortgage Brokers: Bob Reynolds #1973410

06/08/2026

We are at capacity and cannot take in animals at this time. Please consider adopting, fostering, and/or rescuing an animal.

06/08/2026

Your loan-to-value (LTV) ratio is one of the main factors that could influence your ability to qualify for certain loan programs. Give me a call to discuss what you could qualify for!

06/07/2026

06/05/2026

All those people who thought they would wait until rates dropped or the prices fell. Here we are, rates haven’t really moved and prices did dip but are rising again. If you’re serious about a home, give me a shout and we can see what you can comfortably afford.

Bob Reynolds
214.476.5686
Excel Financial Group, LLC / NMLS 389894

02/03/2026

Are you ready to start your new home search. Give us a shout and see where you are at.

Bob Reynolds
214.476.5686

Excel Financial Group, LLC / NMLS 389894

01/19/2026

Do you know what your home is actually worth right now?

• Yes — pretty confident
• Not really
• No idea at all
💬 Comment your answer below!

Truth is…
Most people are much closer to buying, refinancing, or tapping into their equity than they think.
And most homeowners are sitting on way more value than they realize.
➡️ Follow this page for:
• First-time buyer tips
• Credit hacks
• Down-payment programs
• Equity & refinance strategies
• Simple answers without bank runarounds
📩 Comment below — I’ll share one tip that could help your situation personally.

01/17/2026

3 reasons to use a mortgage broker instead of a bank:

1️⃣ More options – brokers shop multiple lenders to find the best fit, not just one bank’s product.
2️⃣ Better rates & flexibility – access to competitive programs banks don’t offer.
3️⃣ Personal guidance – one expert walking you through the process, not a call center.
Smarter loans start with more choices. 🏡

01/16/2026

🏡 Thinking About Buying a Home? Now Is the Smart Time.
If you’re waiting until spring to buy, here’s why right now may actually be your best opportunity:
✔️ Less competition – Fewer buyers in the market means less bidding wars and more negotiating power for you.
✔️ Better pricing – Home prices tend to be softer before the spring rush drives demand higher.
✔️ Motivated sellers – Sellers listing now are serious and often more flexible on price, repairs, or closing costs.
✔️ Rates can be refinanced later – You can secure a home today and always refinance if rates drop in the future.
✔️ Faster closings – Lenders, appraisers, and inspectors aren’t slammed yet, which means smoother transactions.
Once March and April hit, buyer activity increases, competition heats up, and prices often follow.
If homeownership is on your radar this year, now is the time to get ahead of the crowd. Message me and let’s look at your options before the busy season kicks in.

Reach out for more information.

Bob Reynolds
[email protected]

01/13/2026

Thinking about waiting until spring to buy a home? That could cost you more.
Right now (winter market) is actually one of the best times to buy because there are fewer buyers, which means less competition, fewer bidding wars, and more negotiating power for you. Once March and April hit, buyers flood the market and prices almost always get pushed higher.
📉 Home prices have dipped or stabilized in many areas, according to housing data — sellers are more motivated today than they will be in spring.
📊 Mortgage rates are still holding steady, and here’s the key: you can always refinance later if rates drop. You can’t go back and buy today’s lower prices once the spring rush drives them up.
Bottom line:
Buy when competition is low. Refinance when rates drop.
That’s how smart buyers win. 💰
If you’re thinking about buying this year, now is the window most people miss.

Give me a shout for more information.

214.476.5686
[email protected]