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.

02/25/2026

🏠 Todays market emphasizes steady progress over dramatic shifts. With modest price appreciation (1-2% nationally in many forecasts) and stable rates, equity builds primarily through consistent mortgage payments and time.

💰 Homeowners who prioritize making extra principal payments when possible, even small amounts that compound over years, maintain their property to preserve its value, and review their insurance and tax assessments periodically for potential savings are positioning themselves well for future flexibility, whether upgrading, downsizing, or enjoying greater financial security.

For aspiring buyers, starting with strong credit habits and savings discipline sets the foundation for similar long-term gains. Homeownership remains one of the most reliable paths to building wealth when approached thoughtfully.

📈For current homeowners, 2026 offers a chance to reassess their equity and options strategically. With home values relat...
02/22/2026

📈For current homeowners, 2026 offers a chance to reassess their equity and options strategically. With home values relatively stable (national forecasts show flat to modest 0-2% growth this year) and rates hovering near 6%, equity built over recent years remains a great asset.

Here are some valuable considerations:

💫Take advantage of using free tools or professional estimates to track your current home value based on recent comparable sales.
💫If you've paid down principal or seen modest appreciation, your equity position may support future moves (upgrading, downsizing, or investment).
💫 For those with higher original rates, even small dips toward 6% can open refinance windows for lower payments or cash-out flexibility options. It's always best to consult an experienced licensed loan officer to weigh closing costs and break-even timelines.

Long-term planning beats reacting to headlines. Equity is built through time, payments, and smart decisions.👍🏻

Tag or share with a friend☺️

📈Understanding true home affordability in 2026 goes beyond just the mortgage rate. With 30-year fixed rates averaging ar...
02/19/2026

📈Understanding true home affordability in 2026 goes beyond just the mortgage rate. With 30-year fixed rates averaging around 6.1-6.2% recently, many buyers are focusing on the full monthly picture: principal, interest, taxes, insurance, and maintenance.

Practical breakdown to consider:

🏠Aim to keep total housing costs under 28-33% of your gross monthly income for breathing room.
💵Factor in property taxes and homeowners insurance early as these vary widely by location and can add hundreds monthly.
💰Build a buffer for unexpected repairs (1-2% of home value annually is a common rule of thumb).

A small shift in these numbers can make a big difference in long-term comfort. You're going to want to run different scenarios with your actual numbers to see what feels sustainable.

Tag or share this with a friend.☺️

💳 Building a strong foundation for homeownership starts with your credit health. In 2026, with rates holding steady arou...
02/16/2026

💳 Building a strong foundation for homeownership starts with your credit health. In 2026, with rates holding steady around 6 percent, a solid credit profile can make all the difference in securing favorable terms.

Here are three actionable ways to boost your score before applying:

1️⃣ Review your credit report annually for errors and dispute inaccuracies promptly. Free reports are available from major bureaus.

2️⃣ Maintain low credit card balances, ideally under 30 percent of your limit, to improve utilization ratios.

3️⃣ Establish a history of on-time payments across all accounts, as this factor weighs heavily in scoring models.

These steps not only enhance approval odds but also open doors to better rates, potentially saving you thousands. Preparation always pays off.

Tag a friend who would benefit from this 😊

02/14/2026

💗Happy Valentines Day to all. Don't let past credit mistakes steal your dream of homeownership.

Those that feel their credit is "too far gone" it's not over. With patience, smart habits, and the right guidance, many people turn things around and work towards home ownership.

🏠Down payments remain a key hurdle for many aspiring homeowners, but smart strategies can make them more achievable in 2...
02/13/2026

🏠Down payments remain a key hurdle for many aspiring homeowners, but smart strategies can make them more achievable in 2026's evolving market.

Consider these valuable approaches:

❗Explore assistance programs tailored to your situation, such as grants for first-time buyers or employer-matched savings plans.

❗Build savings systematically by automating transfers to a dedicated account and cutting non-essential expenses.

❗Leverage gifts from family, which many loan programs allow without penalties, as long as they're properly documented.

Aiming for 5-10 percent down can access competitive options, and some programs require even less. The goal is aligning your plan with long-term affordability.

Tag a friend who might benefit from this.😊

📈2026 Housing Market Update: Signs of a More Balanced Year AheadAs we move farther into 2026, the data shows the housing...
02/11/2026

📈2026 Housing Market Update: Signs of a More Balanced Year Ahead

As we move farther into 2026, the data shows the housing market that's slowly finding its footing after some challenging years. Here's what key trends show right now:

​🏠Mortgage rates are holding steady near 6%, with the 30-year fixed averaging around 6.1% recently (per Freddie Mac). Forecasts from Fannie Mae and others suggest rates could average close to 6% for much of the year, potentially dipping toward the high-5% range later if inflation continues cooling. This is a workable range compared to recent peaks and gives more buyers realistic qualifying power.

🏠Home prices are showing signs of stabilization. National forecasts (from J.P. Morgan, Redfin, Zillow, and others) point to flat to modest growth of 0-2% this year. In some regions, prices are even cooling slightly as inventory builds. This shift helps affordability improve, especially as wage growth outpaces home price increases for the first sustained period in years.

🏠Inventory is gradually increasing. More homes are coming on the market, and new construction continues to add supply. This reduces bidding wars in many areas and creates more negotiating room for buyers, while giving homeowners options if they're considering a move-up or downsizing.

Affordability is the big story. With rates lower than last year's highs and price growth restrained, more households are gaining purchasing power. It's not a dramatic reset overnight, but it's the start of a healthier, more balanced market where preparation pays off.

Knowledge of your options early (credit health, down payment planning, realistic budgeting) positions you to act confidently. The market isn't waiting for perfect conditions; it's actually rewarding those who are informed and ready.

Address

Eagle, ID
83646

Telephone

+12084402034

Website

Alerts

Be the first to know and let us send you an email when Darci Tullock Loans posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.

Contact The Business

Send a message to Darci Tullock Loans:

Shortcuts

Share

Category