J.R. Rudd Mortgage Consultant

J.R. Rudd Mortgage Consultant COMPLAINT FORMS AND INSTRUCTIONS MAY BE OBTAINED FROM THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV.

NMLS # 1674336
I am authorized to do business in the state of Texas
Guild Mortgage Company is an Equal Housing Lender: Company NMLS ID 3274
(www.nmlsconsumeraccess.org/).guildmortgage.com/licensing CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A MORTGAGE BANKER OR A LICENSED MORTGAGE BANKER RESIDENTIAL MORTGAGE LOAN ORIGINATOR SHOULD COMPLETE AND SEND A COMPLAINT FORM TO THE TEXAS DEPARTMENT OF SA

VINGS AND MORTGAGE LENDING, 2601 NORTH LAMAR, SUITE 201, AUSTIN, TEXAS 78705. A TOLL-FREE CONSUMER HOTLINE IS AVAILABLE AT 1-877-276-5550. THE DEPARTMENT MAINTAINS A RECOVERY FUND TO MAKE PAYMENTS OF CERTAIN ACTUAL OUT OF POCKET DAMAGES SUSTAINED BY BORROWERS CAUSED BY ACTS OF LICENSED MORTGAGE BANKER RESIDENTIAL MORTGAGE LOAN ORIGINATORS. A WRITTEN APPLICATION FOR REIMBURSEMENT FROM THE RECOVERY FUND MUST BE FILED WITH AND INVESTIGATED BY THE DEPARTMENT PRIOR TO THE PAYMENT OF A CLAIM. FOR MORE INFORMATION ABOUT THE RECOVERY FUND, PLEASE CONSULT THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV. https://www.nmlsconsumeraccess.org/
Guild Mortgage Company; Equal Housing Opportunity; NMLS #3274
Licensed in Texas
www.Ruddteam.com
For more licensing information, please visit www.guildmortgage.com/licensing

05/09/2026

🏡 Texas Homebuyers: This May could offer more opportunity than you think.

If you've been waiting for the “perfect time” to buy a home, the current Texas market may be creating more flexibility than we've seen in several years.

Here’s what I’m seeing right now:
✔️ More homes are coming on the market�✔️ Buyers have more negotiating power�✔️ Sellers are increasingly offering concessions to help with closing costs or rate buydowns�✔️ Mortgage rates are still fluctuating, but there are strategies to improve affordability
In today’s market, success isn’t just about the interest rate…it’s about understanding all the financing options available to reduce your monthly payment and maximize your buying power.

Whether you're a first-time homebuyer, moving up, or simply exploring your options, getting pre-approved can help you understand exactly where you stand.

If you have questions about buying, refinancing, or what you may qualify for today, feel free to reach out. I’m always happy to help.

J.R. Rudd
214-454-8167

Address

Ennis, TX

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