Cultivate Mortgage - NMLS 2408906

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Denton, TX
Cultivate Mortgage - NMLS 2408906

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Cultivate Mortgage NMLS # 2408906
We are your local mortgage brokers, helping you plant your roots and grow your portfolio.

11/02/2026

Many down payment assistance programs require a 620 credit score, but we have options that go as low as 600. Call us to talk about your options.

10/23/2026

Getting a divorce? You need to talk to a Mortgage professional before that divorce decree is finalized. We want to make sure that you’re making decisions based on accurate information and that we structure what is happening with any real estate in a way that will not hinder your plans moving forward.

10/22/2026

Buying a home with the plan to “just refinance later”? Give yourself room for a different outcome. 🏡

Future mortgage rates are uncertain, and refinancing involves costs and qualifying again. A comfortable payment today should leave room for savings, everyday expenses, and the occasional unexpected repair.

The takeaway here is simple: a future refinance can be an opportunity, but your homebuying budget should work without one.

10/21/2026

Next Week! Join us for "Horror Stories" - a 2hr lunch & learn. This class examines real-world transaction failures, legal red flags, and contract defaults. Through case studies and an interactive "contract autopsy," license holders will learn to identify common transaction pitfalls, hidden property defects, and financing landmines. Ultimately, attendees will walk away with practical risk mitigation strategies.

This fun, spooky themed lunch and learn examines real-world transaction failures, legal red flags, and contract defaults. Through ghost story case studies and an interactive contract autopsy, license holders will learn to identify common transaction pitfalls, hidden property defects, and financing landmines. Ultimately, attendees will walk away with practical apocalypse survival risk mitigation strategies from title, mortgage, inspector, and Realtor experts.

Provider #10850-CEP, Course #39984-RECE
2 Hr CE Available, $15, pay at class

Oct 28, 11am-1pm at Landmark Community by Perry Homes

Kim ORourke, Cultivate Mortgage
Grant Cunningham, JD, CTFA, on behalf of McKnight Title
Geoffrey Stankus, Super Inspector
Texas Tammy, Texas T Realty Team

Special thanks to our sponsors
Landmark Community, Perry Homes
Tommy Bergschicker, Comparion Insurance Agency
Sonja Knight, HWA Home Warranty

10/13/2026

We had a great time at our first Horror Stories class at Greater Denton/Wise County Association of Realtors. Thanks to our panel Chance Gibbs of Gibbs Real Estate Group, Mary Buffington from Freedom Title Denton, and Geoffrey Stankus of Super Inspector!

A fantastic lunch was provided by Soroya LaMastra of First American Home Warranty!

Realtor friends, join us for our next Horror Stories Lunch & Learn! We’ll dig into real transactions gone wrong, hidden property defects, and financing surprises—with practical lessons to help you protect your clients and keep your next deal from becoming a horror story. 🎃🏡

📅 Wednesday, October 28
⏰ 11 AM–1 PM, followed by a community tour
📍 Landmark Community | Perry Model Home
8113 Prairie Pk Blvd, Denton, TX 76207
🍽️ Lunch provided by Perry Homes
📚 2 hours of CE available for $15, payable at class

Grab a Realtor friend and register here:
https://cultivatemortgage.com/events

10/13/2026

Did you miss today's Horror Stories class? That's ok! There's another coming!

DATE CHANGE Join us for "Horror Stories": a 2hr lunch & learn. This class examines real-world transaction failures, legal red flags, and contract defaults. Through case studies and an interactive "contract autopsy," license holders will learn to identify common transaction pitfalls, hidden property defects, and financing landmines. Ultimately, attendees will walk away with practical risk mitigation strategies.
This fun, spooky themed lunch and learn examines real-world transaction failures, legal red flags, and contract defaults. Through ghost story case studies and an interactive contract autopsy, license holders will learn to identify common transaction pitfalls, hidden property defects, and financing landmines. Ultimately, attendees will walk away with practical apocalypse survival risk mitigation strategies from title, mortgage, inspector, and Realtor experts.

Provider #10850-CEP, Course #39984-RECE
2 Hr CE Available, $15, pay at class

Oct 28, 11am-1pm at Landmark Community by Perry Homes

10/12/2026

📱 Your credit app tells you one score—but is that the score a mortgage lender will use? Not necessarily.

Beginning with eligible FHA loans on or after January 1, 2027, FHA will accept VantageScore 4.0 and FICO Score 10T alongside the traditional FICO model.

More scoring options don’t automatically mean higher scores or easier approval. Your income, debts, payment history, available funds, and complete loan file still matter.

🏡 The takeaway? Don’t let a score on an app convince you homeownership is out of reach. Understanding your financing early helps you build a realistic budget, explore your options, and give your Realtor a clearer starting point when it’s time to find a home.

10/09/2026

This fun, spooky themed lunch and learn examines real-world transaction failures, legal red flags, and contract defaults. Through ghost story case studies and an interactive contract autopsy, license holders will learn to identify common transaction pitfalls, hidden property defects, and financing landmines. Ultimately, attendees will walk away with practical apocalypse survival risk mitigation strategies from title, mortgage, inspector, and Realtor experts.

Costumes or spooky clothing is encouraged, but not required.

Provider #10850-CEP, Course #39984-RECE
2 Hr CE Available, $15, pay at class

We are offering this class twice this month:
Oct 13, 11am-1pm at GDWCAR
Oct 20, 11am-1pm at Landmark Community by Perry Homes

10/07/2026

This 2hr CE lunch and learn will be a blast. Don’t miss it! Register at our website /events or DM me.

10/07/2026

We are proud to serve our local Texas Heroes by offering Hero Loans including TSAHC down payment assistance and mortgage credit certificates. These programs can help teachers, medical professionals, firefighters, police officers, and other public servants get into a home of their own. Ask us about your options!

Address

1908 Hollister Lane
Denton, TX
76210

Telephone

+19406001926

Website

http://www.cultivatemortgage.com/

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