Nikkie Bickham, Mortgage Lender NMLS #755411

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Nikkie Bickham, Mortgage Lender NMLS #755411 https://www.zillow.com/lender-profile/TheNikkieBickhamTeam/
Providing opportunities for low rates, hassle free mortgages for buying or refinancing a home.

NMLS #755411/ #1124061 VP of Lending - Leading Loan Originator connecting homeowners with the financing needed to achieve their goals TX, AZ, AR, LA, CO, AZ, FL, GA, TN & CA! Nikkie Bickham, Mortgage LenderNMLS #755411

10/02/2026

Self-employed? Your tax returns don’t tell your whole story. 💼

Write-offs are great at tax time, but they can make qualifying for a mortgage feel out of reach. That’s where we come in.

At Signature Group, we offer loan options built for business owners:
✔️ Bank statement loans
✔️ 1099-only loans
✔️ P&L programs
✔️ Asset-based qualifying
✔️ DSCR loans for investors

You took the path of entrepreneurship. Now let us help you take the path to homeownership. 🏡

📲 Call us at 469-865-4948 or visit https://nikkiebickham.com to explore your options.

MortgageOptions NonQM SignatureGroup Homeownership

Signature Group by Lower LLC
Nikkie Bickham NMLS 755411
Equal Housing Lender. This is not a commitment to lend. All loans are subject to credit approval, underwriting guidelines, and property eligibility. Non-QM loan programs may have higher interest rates, fees, and down payment requirements than conventional loans. DSCR loans are for investment properties only. Program availability, terms, and conditions are subject to change without notice. Licensed in TX, AZ, CA, CO, AR, LA, FL, GA, TN

Closing Day 💙 Grateful for the friendship. Honored by the trust. Congratulations on your first home Steven 🎉🤍
10/02/2026

Closing Day 💙 Grateful for the friendship. Honored by the trust. Congratulations on your first home Steven 🎉🤍

10/02/2026

Buying your first home might be closer than you think. 🏡🔑

Many first-time buyers assume they need 20% down or perfect credit to get started. The truth? There are loan programs and down payment assistance options designed specifically for first-time homebuyers.

At Signature Group, we'll guide you through every step, from pre-approval to the day you get your keys.

📲 Ready to see what's possible? Call us at 469-865-4948 or visit https://nikkiebickham.com to get started.

Nikkie Bickham / VP of Lending NMLS #755411

The Signature Group powered by Lower, LLC



Equal Housing Lender. This is not a commitment to lend. All loans are subject to credit approval, underwriting guidelines, and property eligibility. Program availability, terms, and conditions are subject to change without notice. Down payment assistance programs have eligibility requirements and limited funding.

Mortgage bonds are getting HAMMERED. 😵‍💫The 10-year Treasury just pushed into territory we haven’t seen since 2007.Mortg...
09/23/2026

Mortgage bonds are getting HAMMERED. 😵‍💫

The 10-year Treasury just pushed into territory we haven’t seen since 2007.

Mortgage rates? They’re feeling every bit of it.

So why am I still saying there may be a buying opportunity right now?

Because a bad rate market can create a really good negotiation market.

When rates jump, buyers retreat.
And when buyers retreat, leverage shifts.

🏡 Homes sit longer.
💰 Price reductions happen.
🤝 Sellers become more willing to negotiate.
💵 Closing-cost concessions become easier to ask for.
🔥 And suddenly you’re not fighting 12 other buyers for the same house.

I am not a realtor, but this is what I am seeing day over day and its important that sellers start to understand that THIS market is shifting fast.

If you want to MOVE your home in this market, you have to acknowledge the reality of THIS market.

Buyers are looking at higher payments. They have more choices, and they're going to be more selective.

That means the days of throwing a price on a house based on what your neighbor got two years ago and expecting buyers to line up may be a lot harder to come by than before.

Price matters. Condition matters. Concessions matter.

A seller who understands today's buyer may have a much better chance of getting their home SOLD.

Remember 2020–2021?

Everybody wants those rates back.

But apparently we've forgotten what came WITH them.

Multiple offers.
Over asking.
Appraisal gaps.
Waived inspections.
Almost ZERO negotiating power.
Cheap money didn't always mean a cheap house.
Today?

The RATE may not be ideal.
But the DEAL may be better.

If rates improve in the future, you may have an opportunity to refinance if you qualify and the numbers make sense.

But you can't go back and renegotiate what you paid for the house.
You can't go back and ask the seller for $10,000 in concessions.

And you can't recreate the leverage you had because other buyers were too nervous to enter the market.

Am I saying everyone should run out and buy a house today?

No.

I'm saying stop looking at the interest rate in isolation.

The question isn't simply:

“What's the rate?”

It's:

“What can I negotiate TODAY that I couldn't negotiate when everyone else wanted the same house?”

Because sometimes the market that feels the worst is the market where a prepared buyer has the most leverage.

Rates matter. Strategy matters. Timing matters.

Address

203 FM 161 Business South Unit1
Dallas, TX
75656

Telephone

+14698654948

Website

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