Bernie DeMent - True North Home Loans

Bernie DeMent - True North Home Loans Branch Manager at Service First Mortgage

05/19/2026

Did you know there are ways to lower your interest rate upfront when buying a home?
A seller-paid buydown allows the seller to contribute toward reducing your interest rate, helping to lower your monthly payment (especially in the early years of your loan).
This can be a powerful strategy in today’s market, giving buyers more flexibility and affordability.
It’s not one-size-fits-all, but it’s an option worth exploring if you’re planning to purchase.
https://myoc.io/BernieDement



NMLS # 266216

05/12/2026

Are you waiting…or preparing? There’s a big difference.
Waiting for the “perfect” rate or market conditions can leave you stuck on the sidelines. Preparing, on the other hand, puts you in a position to act when the opportunity is right for you.
The truth is, no one can perfectly time the market, but you can control how ready you are.
Preparing means:
• Understanding your options
• Knowing your budget
• Having a strategy in place
Whether you’re buying a home or thinking about refinancing, those who win are the ones who are ready when the moment comes.
https://myoc.io/BernieDement



NMLS # 266216

Wishing every mother a day as beautiful and inspiring as the love they give. Happy Mother’s Day! 🌹💖https://myoc.io/Berni...
05/10/2026

Wishing every mother a day as beautiful and inspiring as the love they give. Happy Mother’s Day! 🌹💖
https://myoc.io/BernieDement

NMLS # 266216

Today, on Military Spouse Appreciation Day, we honor the incredible partners who hold down the home front with strength,...
05/08/2026

Today, on Military Spouse Appreciation Day, we honor the incredible partners who hold down the home front with strength, grace, and endless support. Thank you for your service, your sacrifices, and your love. 💙
https://myoc.io/BernieDement



NMLS # 266216

05/07/2026

Are you spending your days watching rates, waiting for them to drop so you can refinance? Here’s a smarter way to approach it.
Instead of trying to time the market yourself, work with a Loan Advisor to set your “strike rate,” the point where refinancing makes sense for your goals.
From there, your Loan Advisor monitors the market and lets you know when it’s time to act.
No guessing. No constant checking. Just a clear strategy.
https://myoc.io/BernieDement



NMLS # 266216

05/05/2026

A little reminder today…
Give yourself the same patience, grace, and encouragement you give to everyone else.
https://myoc.io/BernieDement



NMLS # 266216

Bold wallpaper… love it or leave it?Where would you use this: bedroom, bathroom, or nowhere at all?https://myoc.io/Berni...
04/30/2026

Bold wallpaper… love it or leave it?
Where would you use this: bedroom, bathroom, or nowhere at all?
https://myoc.io/BernieDement



NMLS # 266216

04/28/2026

A home equity line of credit (HELOC) can be a powerful financial tool—and it’s not just for buying your next home.
A HELOC allows you to borrow against the equity you’ve built in your home, and you make payments on only the amount you actually use. That flexibility means you can access funds when you need them for a variety of goals.
Homeowners commonly use a HELOC to:
✔️ Cover home improvements or renovations
✔️ Consolidate higher-interest debt
✔️ Fund major life expenses like tuition or travel
✔️ Create a financial cushion for unexpected expenses
✔️ Help bridge the gap when moving to a new home
If you’re planning to sell your home and want to use a HELOC as part of your move strategy, it’s important to set it up before your home is listed for sale. Once a property is on the market, most lenders will no longer allow a new HELOC to be opened.
https://myoc.io/BernieDement



NMLS # 266216

04/23/2026

Thinking about remodeling your home or buying a fixer-upper? A renovation loan can help make those upgrades possible.
Here’s how it typically works:
1️⃣ The loan amount is based on the home’s projected value after the renovations are completed, also known as the “after-repair value” or ARV
2️⃣ Funds for the renovation are included in the mortgage and placed in a dedicated account.
3️⃣ As the work is completed, funds are released to the contractor in stages.
4️⃣ When the project is finished, the loan functions like a traditional mortgage.
A renovation loan allows you to improve a property without paying the full cost upfront, while potentially increasing the value of the home.
https://myoc.io/BernieDement



NMLS # 266216

Address

8509 Western Hills Boulevard, Suite 200
Fort Worth, TX
76108

Telephone

+16824992317

Website

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