Money Mike - Mike Clover of Homewood Mortgage,LLC

06/08/2026

A new report shows 84% of Gen Z is delaying marriage, kids, and career changes just to afford a house. More than half don’t expect to buy until age 40 — and waiting that long costs around $150,000 in lost equity. This isn’t about lattes or discipline. The market changed. If you’re a first-time buyer in Texas and want to know what your real options look like — comment DREAM and I’ll reach out personally.

NMLS #234770

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06/07/2026

This one change would cause the biggest housing boom in American history

Description:
The average American pays $4,172 a year on a home they already own — and that bill comes from your city, your county, and your school district. Not Washington. Here’s the 3-move constitutional fix that unlocks housing affordability for millions overnight. Save this and share it with every homeowner you know. NMLS #[your number]

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06/06/2026

Why you can’t afford a home — and it’s not your fault 📉

Description:
The math hits different when you see the numbers side by side.

Home prices: +400% since 1985
Real wages (inflation-adjusted): +12% over 20 years
Texas home prices rose 2x faster than wages
DFW buyers need 48% more income than 6 years ago

This is a structural problem — not a personal failure.

Drop “AFFORD” in the comments and I’ll run the real numbers for your situation. 👇

Money Mike | Mortgage Banker since 2001 | NMLS #234771

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06/03/2026

Florida just made it official — property tax elimination is going to voters in November 2026. Texas Gov. Abbott is pushing the exact same thing. The average Texas homeowner pays $353 a month just in property taxes — $4,232 a year before your mortgage, insurance, or anything else. This is the biggest shift in housing affordability I’ve seen in 24 years in the mortgage business. Save this. Follow for Part 2. 🏡

06/03/2026

Financing this spec home in McKinney, Texas.

This is what construction financing is supposed to look like — plans, budget, appraisal, draw schedule, and the long-term mortgage all reviewed before the build starts.

A spec home is not just about pouring a slab and hoping it works out.

The numbers have to make sense before the first draw is ever released.

That is where having the right financing structure matters.

I’m Money Mike — keeping you informed.

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06/01/2026

I’ve been in the mortgage business since 2001 and the questions I’m getting right now are unlike anything I’ve seen in years. Is the housing market about to crash? Are home prices dropping? Should you buy now or wait? I’m breaking it all down with no fluff, no hype — just straight answers from someone who has seen it all. If you’re thinking about buying, selling, or refinancing right now, you NEED to watch this. Drop your questions below 👇 I answer every single one.

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05/30/2026

Coming soon in Johnson County, Texas.

This custom home is officially in the works, and it is going to have a beautiful stone exterior, thoughtful design, and that country feel people are looking for right now.

Johnson County continues to grow, and homes like this are exactly why so many buyers are looking outside the bigger city markets.

If you have been thinking about building, buying land, or getting a construction loan, let’s review the full picture before you start looking.

I’m Money Mike — keeping you informed.

05/28/2026

05/24/2026

Should you buy a home in Texas right now?

The honest answer is yes, but only if the full cost of ownership makes sense.

For most middle-class families, paying toward a mortgage is one of the biggest wealth builders they will ever have. But in Texas, you need to understand more than the home price.

Your fixed-rate principal and interest payment stays the same, but your total monthly payment can still change because of:

Property taxes
Homeowners insurance
Escrow changes
Maintenance
Repairs

And while Texans are fighting for property tax relief, you still have to buy based on today’s numbers, not tomorrow’s hopes.

Before you start looking at homes, get preapproved, review the taxes, estimate the insurance, and understand the real monthly cost.

Comment BUY or DM me before you start shopping.

I’m Money Mike, a mortgage banker in Texas since 2001.

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