Rand Toulouse-Panther City Mortgage Nmls#288938

05/25/2026

To all our fallen hero’s, ‘Thank you’.

Ronald Reagan had a special way of stating this during every Memorial Day during his Presidency.

President Reagan commemorates those Americans who have willingly sacrificed their lives for their country, during the Memorial Day ceremonies held at the Arl...

05/15/2026

This is why I love what I do….

05/04/2026

Let’s give it up for Kenna!

Meet Kenna, Panther City Mortgage’s detail dynamo! As our loan processor (and licensed loan officer—yes, she’s got both!), Kenna thrives on the nitty-gritty that keeps your home loan journey smooth.

While others might get lost in the paperwork, she finds joy in it! With three years under Rand’s mentorship, she’s all about ensuring each client feels cared for. Kenna’s passion? Ensuring you feel right at home, even before you receive the keys!

We’re beyond grateful to have Kenna’s dedication on our team. She’s a huge part of why we do what we do!

03/28/2026

Getting pre-approved is a big first step when buying a home.

But a lot of people ask the same thing after that…

“What happens next?”

From house hunting to inspections to closing day, we break down the steps that usually follow so you know exactly what to expect.

Buying a home is a lot less intimidating when you understand the process.

Read it here: https://www.panthercitymortgage.com/post/what-happens-after-you-get-pre-approved-for-a-mortgage

03/26/2026

Interest rates get a lot of attention, but they aren’t the only thing that matters.

The real question is whether the monthly payment fits comfortably into your budget.

A home should support your lifestyle, not stretch it too thin.

When the payment makes sense for you, the rest of the numbers tend to fall into place.

01/29/2026

🚨 **ALERT – Real Estate Wire Fraud** 🚨

I got an urgent phone call from one of my clients >>yesterday. He banks with a large U.S. bank and is scheduled to close on his home tomorrow.

He received a call that appeared to be from his bank to “set up the wire.” The caller knew the last four digits of his SSN *and* his account number. Everything sounded legitimate. Even though this client is very savvy (and works in a field familiar with criminal tactics), he admitted he was almost completely duped.

The moment they asked him to *verify additional details*, he stopped the call.

⚠️ **Reminder:** A bank will **NEVER** call you to facilitate a wire.

Please be extremely careful—wire fraud is sophisticated, convincing, and happening every day.

to Protect Yourself

• Always verify independently. Call your escrow officer, lender, or agent using a phone number you already trust.
• Be suspicious of last-minute changes, especially before weekends or holidays.
• Watch for red flags: urgent language, slight email address changes, or account names that don’t match the title company.
• Never send wiring info via email or text.
• Use strong passwords + 2FA on email and financial accounts.

If You Think Fraud Is Happening

• Call your bank **immediately** and request a wire recall
• Report it to the FBI at https://www.ic3.gov
• Notify your realtor, title company, and local authorities

Please share—this warning could save someone’s life savings.

12/09/2025

Just a quick reminder that I am a Certified VA Lending Specialist. Let me know how I can help with your VA mortgage questions! I may be a bit partial, but Panther City Mortgage is going to be better priced on rate, lower on fees (we don’t have any lender fees) and WAY more responsive than any of the 'BIG' banks who solicit VA eligible borrowers! Reach out to me for more details-(817)528-7559!

11/13/2025

My opinion about a 50-Year Mortgage:

Short version-

👉👉Ultimately, if a 50-year mortgage enables homeownership and accumulation of approximately $124K in equity as opposed to $0 from renting👉Buy the house! 🏠

Longer Version-

👉Per ChatGPT—a typical conforming single-family mortgage held or guaranteed by Fannie Mae, the average tenure on the books is in the 7 year range, give or take a couple of years depending on interest-rate environment, homeowner mobility, and refinancing incentives.

That being said, let’s look at the math for a 30 year mortgage vs 50 year mortgage vs renting:

A $400K home loan financed for 30 years at around 6.5% and 2% yearly appreciation, (which is historically on the low side) would result in a $2,528 principle and interest monthly payment and $181K equity after 12 years.

In contrast, a 50-year loan would result in a $2,255 monthly principle and interest payment AND approximately $124K equity after 12 years.

While the 50-year loan saves $273/month, it results in a loss of $57,000 in equity upon the sale vs a 30 year loan.

Alternatively, renting at a cost of $2,000 per month assuming a 3% yearly increase, would cost $333,600 over 12 years, with NO equity accumulation.

The 50-year mortgage does not make housing more affordable, but rather spreads out the cost, making it feel cheaper. However, you can always refinance or pay more towards principle each month as your income increases.

👉👉Ultimately, if a 50-year mortgage enables homeownership and accumulation of approximately $124K in equity as opposed to $0 from renting👉Buy the house! 🏠

11/11/2025

A sincere "Thank You" to ALL Veterans today! We realize freedom isn't free. Thank you to all the generations of brave men and women, all of them who have made significant sacrifices, and some of them the ultimate sacrifice. Thank you so much for volunteering to protect our Country, our Families and the Values that this great Country represents.

10/22/2025

Spent the last five days at the NAMB in Las Vegas for the annual convention! What a great event! While there I spent some time picking up a "Certified Veterans Lending Specialist' designation. Not to mention sitting in on several awesome Key Note speeches including Barry Habib.