The Good Buy Mortgage Company

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The Good Buy Mortgage Company (NMLS # 1886348)

What part of buying feels unclear?You do not need to know every mortgage term before starting a conversation.Which topic...
10/20/2026

What part of buying feels unclear?

You do not need to know every mortgage term before starting a conversation.

Which topic would help you most right now: credit, cash needed for closing, or documenting income? Share the topic below and we can explain where to begin. Keep personal financial details and documents out of public comments.

Clear questions deserve clear answers. That is the purpose of this Good Buy Answers series.

Shelby Hicks | NMLS #1820068
The Good Buy Mortgage Company | NMLS #1886348
Cell: 214-708-7737 | Office: 469-351-1081
www.tgbmc.com | Texas only | Equal Housing Opportunity

Subject to credit, property and underwriting approval. Program availability, terms and conditions vary. This is not a commitment to lend.

What payment fits your life?A home's price is only part of the budget. Property taxes, homeowners insurance, possible mo...
10/19/2026

What payment fits your life?

A home's price is only part of the budget. Property taxes, homeowners insurance, possible mortgage insurance and HOA dues can affect your monthly housing cost. Maintenance and utilities also deserve a place in your plan.

The amount a lender may approve and the amount you feel comfortable spending can be different.

Let's talk through the whole picture before you focus on a purchase price.

Shelby Hicks | NMLS #1820068
The Good Buy Mortgage Company | NMLS #1886348
Cell: 214-708-7737 | Office: 469-351-1081
www.tgbmc.com | Texas only | Equal Housing Opportunity

Subject to credit, property and underwriting approval. Program availability, terms and conditions vary. This is not a commitment to lend.

Need cash out? Start with three questions.If you own a business and want to explore a cash-out refinance, start with the...
10/18/2026

Need cash out? Start with three questions.

If you own a business and want to explore a cash-out refinance, start with the property, the existing loan and your income documentation.

A Texas homestead cash-out loan has requirements that differ from an investment-property loan. Business ownership does not remove those rules, and a bank-statement option available elsewhere may not be available for your Texas transaction.

Let's review the purpose, costs and available options before you make plans for the funds.

Shelby Hicks | NMLS #1820068
The Good Buy Mortgage Company | NMLS #1886348
Cell: 214-708-7737 | Office: 469-351-1081
www.tgbmc.com | Texas only | Equal Housing Opportunity

Subject to credit, property and underwriting approval. Program availability, terms and conditions vary. This is not a commitment to lend.

DSCR: what does the rent support?DSCR stands for debt service coverage ratio. For many residential investment-property p...
10/17/2026

DSCR: what does the rent support?

DSCR stands for debt service coverage ratio. For many residential investment-property programs, the lender compares qualifying rent with the property's required housing payment, using its own calculation rules.

That approach differs from qualifying primarily through personal employment income. It does not mean every property or borrower qualifies.

Have a rental purchase in mind? Ask what information is needed for an initial review.

Shelby Hicks | NMLS #1820068
The Good Buy Mortgage Company | NMLS #1886348
Cell: 214-708-7737 | Office: 469-351-1081
www.tgbmc.com | Texas only | Equal Housing Opportunity

Subject to credit, property and underwriting approval. Program availability, terms and conditions vary. This is not a commitment to lend.

Business-purpose investment-property financing only. Not for owner-occupied homes. Lender-specific eligibility, reserves and prepayment terms apply.

What is a HECM reverse mortgage?A Home Equity Conversion Mortgage, or HECM, is an FHA-insured reverse mortgage for eligi...
10/16/2026

What is a HECM reverse mortgage?

A Home Equity Conversion Mortgage, or HECM, is an FHA-insured reverse mortgage for eligible homeowners age 62 or older. It allows access to a portion of home equity, subject to program requirements.

It is a loan, not a grant. Interest and fees can increase the balance and reduce remaining equity. Review costs, alternatives and your long-term housing plans before deciding.

Ask us for a plain-language HECM conversation.

Shelby Hicks | NMLS #1820068
The Good Buy Mortgage Company | NMLS #1886348
Cell: 214-708-7737 | Office: 469-351-1081
www.tgbmc.com | Texas only | Equal Housing Opportunity

Subject to credit, property and underwriting approval. Program availability, terms and conditions vary. This is not a commitment to lend.

HECM borrowers must meet age, counseling, financial assessment and property requirements. Taxes, insurance, maintenance and occupancy obligations continue; failure to comply may lead to foreclosure. Interest and fees accrue, and the loan becomes due under its terms. TGBMC is not a government agency.

Self-employed and thinking about buying a home? A W-2 is not the only way to document income.GOOD BUY ANSWERS • DAY 2Run...
10/15/2026

Self-employed and thinking about buying a home? A W-2 is not the only way to document income.

GOOD BUY ANSWERS • DAY 2

Running your own business does not automatically put homeownership out of reach. The review looks at documented qualifying income, credit, debts and available funds.

Business revenue and qualifying income are not always the same. For a conventional loan, lenders analyze filed personal and, when required, business tax returns, along with other records needed for your circumstances. Income trends and business expenses matter.

Start by organizing your filed returns, current business records and asset statements. Ask which documents your situation requires before sending anything, and use a secure channel for financial records.

Message us BUSINESS to start your Homeowner Ready conversation.

Shelby Hicks | NMLS #1820068
The Good Buy Mortgage Company | NMLS #1886348
Cell: 214-708-7737 | Office: 469-351-1081
www.tgbmc.com

Texas only. Subject to credit and underwriting approval. This is not a commitment to lend.

Buying a home in Texas? Start with a plan before you start touring. 🏡GOOD BUY ANSWERS • DAY 11️⃣ Set a comfortable budge...
10/14/2026

Buying a home in Texas? Start with a plan before you start touring. 🏡

GOOD BUY ANSWERS • DAY 1

1️⃣ Set a comfortable budget. Include principal and interest, property taxes, homeowners insurance, any mortgage insurance and HOA dues—plus room for maintenance and savings.

2️⃣ Gather your financial records. Have recent income records, bank statements and information about your debts ready. Self-employed? Ask which business and income documents fit your situation. Please don’t send financial documents through social media.

3️⃣ Talk through preapproval. A lender can review your credit, income and assets and explain potential loan options. Preapproval is conditional; final approval also depends on the property and underwriting requirements.

You don’t need to have every answer before asking your first question. Message us “READY” to start your Homeowner Ready conversation.

Shelby Hicks | NMLS #1820068
The Good Buy Mortgage Company | NMLS #1886348
Cell: 214-708-7737 | Office: 469-351-1081
www.tgbmc.com

Texas only. Subject to credit and underwriting approval. This is not a commitment to lend.

📉First Fed rate cut in 2025! 🙌 If you have questions about how this impacts your ability to refinance or purchase, we’d ...
09/17/2025

📉First Fed rate cut in 2025! 🙌

If you have questions about how this impacts your ability to refinance or purchase, we’d be happy to help answer those questions.

09/08/2025

Did you buy a house with the philosophy of "marry the house and date the rate"? If so, now is your time!

💥 Think you need 3–5% down to buy a home? Think again… 👀📉 This new 1% Down Payment Program helps qualified buyers purcha...
07/30/2025

💥 Think you need 3–5% down to buy a home? Think again… 👀

📉 This new 1% Down Payment Program helps qualified buyers purchase with WAY less out of pocket — and still go Conventional (not FHA)!

✅ You put down just 1%
✅ Lender covers up to $7,000
✅ Lower PMI than FHA
✅ Temporary rate buydown options available
✅ Great for first-time buyers or renters who want to OWN

💡 Income limits apply — but it’s easier to qualify than you think.

👉 Swipe through to see how it works
📲 DM me “1% DOWN” for a quick check to see if you’re eligible — no pressure, just real numbers.

Address

Decatur, TX
76234

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm

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