J.R. Rudd Mortgage Consultant

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

04/28/2024

*Listen up friends*

If you’re looking into a mortgage (or know someone who is), this is important info to know.

Solicitation calls from mortgage lenders trying to compete for business have skyrocketed. Unfortunately, the credit bureaus sell data (this is not new), and lenders are getting triggers notifying them that you’re in the market. They will and are spamming people with calls and texts relentlessly.

There are steps you can take proactively to prevent this harassment.

If you have questions about the process, feel free to reach out to me. I’ll be happy to help.

These photos are a real example that was shared with me…insane!

07/11/2022

Higher rates is not the same as high rates.


When I bought my first house in January 2002, the average mortgage rate was
7% with .8 pts. 😳

Check this out for some perspective on how today’s mortgage rates compare historically.

30-Year Fixed-Rate Mortgages Since 1971

03/03/2022

“April marks the month with the most new homes listed for sale.”

That means now’s the time to get your pre-approval ready to go shopping.

Give us a call, and we’ll get you ready!

When’s the perfect time to buy a home? That depends – on you – and a host of outside factors you should take into consideration, from availability, competition and interest rates, to weather, the holidays and school schedules. To learn more about determining the right time for you to buy, visit our blog at https://bit.ly/3GrRCS9

01/06/2022

Fill in the blank:
Home is _____

12/18/2020

We've got you covered with a VA interest rate reduction refinance that could potentially reduce your monthly payment!

ruddteam.com

11/16/2020

Thank you for your trust!

11/11/2020

Thank you to all the men and women who have served our great nation to help protect the freedom that we hold today.

We're proud to serve our Veterans and help them utilize their VA benefits.

07/21/2020

Fortunate for the ability to work remotely, especially during this pandemic!

We have a new way of communicating for quick updates and questions throughout the day: WALKIE TALKIES! 🤣

Oh, and if you want a lender that will communicate with you on YOUR terms - let’s talk!