Darci Tullock Loans

Darci Tullock Loans Senior Mortgage Loan Officer with over 30 years of experience helping clients nationwide achieve their dream and goals of home ownership. NMLS # 112834

I have been a Senior Mortgage Loan Originator for over 30 years of experience helping clients nationwide achieve their dream and goals of home ownership. My career has always been about more than numbers as I take pride in guiding people through one of the most important financial decisions of their lives with trust, care and transparency. I work with a wide variety of loan programs including Conv

entional, FHA, VA, USDA, and many sunflower bank exclusive portfolio loan programs (DSCR, HELOC, HOME1, etc.). I always make sure to provide clear communication and personalized guidance so my clients feel confident and supported throughout the process and after. Many of the people I've worked with over the years have come back to me for their next home or referred family and friends, which is the greatest compliment I can receive. Outside of work, I enjoy spending time with my five adult children and grandchildren, being outdoors, gardening and caring for animals. Whether you're buying your first home, refinancing or preparing for the next stage of life, my goal is to make the mortgage process simple, stress free and tailored to your needs so you can focus on moving forward. Darci Tullock | NMLS #112834

04/20/2026

Let me be straight with you: buying your first home in 2026 is genuinely challenging. Rates are still elevated, the median home price just set a March record at $408,800, and inventory is about 20% below pre-pandemic levels.

But here's what's also true:

✅ The 2026 conforming loan limit jumped to $832,750 — opening the door for many buyers in higher-cost areas with as little as 3% down.
✅ Affordability has improved for 8 consecutive months, with incomes outpacing home price growth.
✅ Markets like Jacksonville, Birmingham, San Antonio, and Houston are seeing real opportunities for first-time buyers right now.

The buyers who succeed aren't waiting for perfect conditions — they're getting pre-approved, knowing their numbers, and acting when the right home shows up.

Want to know what you actually qualify for in today's market? Let's talk.

📲 Drop a comment or send me a DM — I'll give you a real, honest breakdown.


Home price data per NAR March 2026 report. Loan limit per FHFA 2026. Market data per Zillow. Qualification depends on income, credit, and debt-to-income ratio.

04/15/2026

Nobody can predict mortgage rates right now and anyone who says otherwise is guessing!

I want to be transparent.

Mortgage rate forecasting this spring has been, in the words of one industry publication, "nearly impossible." Bond markets are reacting to trade news, geopolitical events, and inflation data — sometimes all in the same day.

Here's what we actually know:
📌 30-yr fixed is averaging ~6.30% this week — its lowest in several weeks
📌 The Fed is expected to hold rates steady at its late-April meeting
📌 Experts broadly expect the 6.0%–6.5% range through the spring
📌 Housing inventory is up year-over-year, but still about 20% below pre-pandemic levels
📌 Home prices have risen 33 consecutive months year-over-year

What does that mean for you? It means the market rewards people who make decisions based on their personal financial picture... not on predictions.

If the payment works today and the home works for your life, that's the analysis that matters.

💬 What questions do you have about where things stand right now?



—
Rate data per Freddie Mac & CBS News week of 4/7–4/14/26. Market data per NAR, Bankrate, HousingWire. Not financial advice.

04/15/2026

Rates just dropped to their lowest point in weeks and here's what it means

Mortgage rates just hit their lowest point in several weeks — and if you've been sitting on the sidelines, this is worth paying attention to. The 30-year fixed rate now averages around 6.30%, down from 6.46% just last week. A year ago it was 6.62%. That's real progress.

To put it in dollars: on a $400,000 home, that rate drop saves you roughly $50/month vs. where we were just days ago. Now I won't sugarcoat it. Rates are still in the mid-6s, not the 3s we saw in 2021. But waiting for perfection has cost a lot of buyers more than the "perfect" rate would have saved them. Prices aren't dropping. Inventory is still tight.

If you're thinking about buying OR refinancing (especially if you're above 7%), let's run the actual numbers together. No pressure, just math.

📲 DM me or drop a comment below — what's your biggest question right now?



—
Rates are averages as of 4/13–4/14/26 per Freddie Mac, CBS News, and Bankrate. Individual rates vary by credit, loan size, and lender. Not a rate guarantee.

Address

Eagle, ID
83646

Telephone

+12084402034

Website

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