Mindy Romero - Mortgage Loan Originator - NMLS ID 1978507

Mindy Romero - Mortgage Loan Originator - NMLS ID 1978507 Southwest Funding in San Antonio, TX.

It’s that time of the year!
06/04/2026

It’s that time of the year!

Are experts right? 🔮 Experts say we’re stuck at 6-6.5% through 2027. But today’s 30-year rate? 5.97% according to one so...
02/09/2026

Are experts right? 🔮

Experts say we’re stuck at 6-6.5% through 2027. But today’s 30-year rate? 5.97% according to one source. 

In some instances we’ve been under 6% for over a week now. Sub-5% by year end? Probably not without a recession. But the high 5s everyone said wouldn’t happen until late 2026? Already here.

Sources: Freddie Mac, Zillow, Fannie Mae

Are you seeing this happen in your area? The market has flipped according to new Redfin data:Buyers who scored below lis...
02/07/2026

Are you seeing this happen in your area?

The market has flipped according to new Redfin data:
Buyers who scored below list price in 2025 got a 7.9% discount—the largest since 2012. That’s $31,592 off the typical home.
There are 47% more sellers than buyers right now —a record gap.

Nearly two-thirds of buyers paid less than list price , highest since 2019.

"Why am I not closing on time??"Sends this meme 👀😳😅
12/09/2025

"Why am I not closing on time??"
Sends this meme 👀😳😅

A lot can change in just 30 days. Lower rates translate into more affordability, which means you can stretch your budget...
09/18/2025

A lot can change in just 30 days. Lower rates translate into more affordability, which means you can stretch your budget further or lower your monthly payment.

If you’ve been waiting for the right moment to buy, this is a reminder that timing matters. Let’s talk about what today’s numbers mean for you.



Mindy Romero
Southwest Funding

✨ OMG!! The headlines say “Foreclosures are UP!” 😱 Filings are up but here’s the truth that the media doesn’t always ex...
08/30/2025

✨ OMG!! The headlines say “Foreclosures are UP!” 😱

Filings are up but here’s the truth that the media doesn’t always explain:

👉 A foreclosure filing is NOT a lost home. It’s a warning notice for late payments.
👉 A completed foreclosure means the family actually lost the home. Big difference.

If you only read the headlines, you’d think we’re headed back to 2008. But look at the real numbers 👇

📊 Completed Foreclosures (actual homes lost)
• 2025 (YTD): 21,000
• 2019: 144,000
• 2010: 1,180,000
• 2009: 1,035,033
• 2008: 983,881
• 2007: 1,280,000
• 2006: 717,000
• 2005: 532,000
• 2004: 464,000
• 2003: 640,000

💡 Notice something? We’re nowhere near the crisis years. 21,000 YTD in 2025 is a tiny fraction of what happened in the housing crash and years before.

Don’t let scary headlines spook you. Filings being up isn’t great news but the housing market is certainly NOT collapsing.

Don’t believe the hype. Believe the numbers. The American dream is alive, and homeownership is stronger than the fear. ❤️. Buy the house.

But buy it with me as your agent and lender!! 🥹😎
Mindy Romero
Southwest Funding

No one really tells you the real reason to get pre-approved before you start looking at homes.It’s not just so your Real...
08/13/2025

No one really tells you the real reason to get pre-approved before you start looking at homes.

It’s not just so your Realtor knows you qualify.

It’s so we can fix anything that could slow down or completely derail your loan before you’re under contract.

A lot of buyers think, “I pay $2,200 a month in rent, so I’m good.”

But behind the scenes:

- Bonus or commission income? Lenders average it over two years, even if last month was your best month ever.

- Missing a single W-2 or year-end paystub? We have to stop and chase it down from HR before you can move forward.

- Own a business? Lenders use your tax returns, not your gross sales, and write-offs can shrink your qualifying income fast.

All of that takes time.

And if we’re doing it after you’ve found the home you love, you risk losing it to a buyer who’s already ready.

Pre-approval isn’t busywork.

It's for you to know and understand your numbers and be prepared the second the right home hits the market.

The $800/month surprise that ruined her house hunt...I’ll never forget this call.She’d been shopping for weeks.Touring h...
07/02/2025

The $800/month surprise that ruined her house hunt...

I’ll never forget this call.

She’d been shopping for weeks.
Touring houses.
Picking out paint colors in her mind.
Already planning the housewarming party menu.

All based on one “preapproval” from a lender who ghosted her as soon as she needed real answers.

When she finally called me, she said:
“Can you just confirm my payment? He told me it would be around $1,300.”

I knew right then this was about to get awkward.

I ran the numbers.
Checked the taxes.
Added the insurance.

Her actual payment?
$2,100.

You could feel the air leave the conversation.
Like someone told her Santa wasn’t real, her dog wasn’t cute, and Costco stopped selling $1.50 hot dogs...all at once.

This happens all the time.

People go out with champagne taste and a beer budget.
They shop first.
They guess the payment.
And they fall in love with houses they were never going to be able to buy.

Then when reality shows up, it feels like everything’s been ripped away.

And look, I get it.
Nobody wants to start with numbers.
It feels like a buzzkill.

But you know what’s worse?
Spending your weekends house shopping only to end up disappointed AF because the math didn’t match the fantasy.

Here’s a reality check you can do yourself before you tour a single house:

Estimate your payment like this:

$650 per $100k borrowed.
Then add:
-Taxes
-Insurance
-HOA fees
-PMI if you’re putting less than 20% down

So that “affordable” $400k house?
You’re probably looking at $2,600+ a month before utilities and groceries.

It’s not meant to scare you.
It’s meant to save you from heartbreak—and to save your agent from spending every Saturday showing homes you were never going to buy.

Because knowing your numbers upfront doesn’t kill the dream.
It protects it.

Elon Musk Reveals Tesla 2025 Motorhome for UNDER $17,000For years, people have dreamed of having an affordable, stylish,...
06/23/2025

Elon Musk Reveals Tesla 2025 Motorhome for UNDER $17,000

For years, people have dreamed of having an affordable, stylish, and tech-savvy motorhome. Now, Elon Musk, the man who's always shaking things up, has just revealed something that’s caught everyone off guard. The CEO of SpaceX has announced the launch of the Tesla 2025 motorhome, and the best part? It’s priced at under 177,000 dollars!

Would you rather have this or a new home?

Just kidding… if you’ve seen this misleading story posted. It’s not real. While there have been online claims and discussions about a 2025 Tesla motorhome, there is no official confirmation or announcement from Tesla about such a vehicle. Many online posts and videos are speculative or based on AI-generated images, not actual Tesla plans.

HMU if you’re ready to see if you qualify to buy a house!

Mindy Romero

Patrick Mahomes bought Mom an $825K Texas home—so she just cut his childhood house to $279K and hopes it goes quick now…...
06/22/2025

Patrick Mahomes bought Mom an $825K Texas home—so she just cut his childhood house to $279K and hopes it goes quick now…

Randi Mahomes revealed on Instagram that Patrick, wife Brittany and brother Jackson surprised her with an $825,000 new build in March—“the surprise of my life,” she wrote.

With the upgrade secured, she put the NFL star’s Tyler, TX childhood home on the market and has trimmed the price from $500K to roughly $279K after six weeks of little interest.

Realtor notes that local buyers care more about location and updates than gridiron provenance.

Randi calls the sale “bittersweet” but says the new house finally gives room for grand-babies and her youngest daughter Mia.
Sentiment aside, the listing still needs a buyer.

Even the famous have to price their homes right to sell!

Address

Dallas, TX

Telephone

+14693387823

Website

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