Jenarae Ditto - Mortgage Loan Officer

Jenarae Ditto - Mortgage Loan Officer Mortgage Loan Officer serving East Texas.

Helping homebuyers, homeowners, and Realtors navigate the mortgage process with responsive service and trusted lending solutions.

🏡 OPEN HOUSE THIS SUNDAY IN TYLER!I’m excited to be co-hosting with Skye Johnson, REALTOR® this Sunday at this beautiful...
08/21/2026

🏡 OPEN HOUSE THIS SUNDAY IN TYLER!

I’m excited to be co-hosting with Skye Johnson, REALTOR® this Sunday at this beautiful mid-century modern home in the heart of Tyler! 🤍

📍 1709 Edgewood, Tyler, TX 75701
📅 Sunday, August 23
⏰ 12:00–2:00 PM
💰 Offered at $425,000

✨ 3 Bedrooms
✨ 2 Bathrooms
✨ 2,582 Sq. Ft.
✨ Beautiful lot
✨ Mid-century modern charm
✨ Fantastic Tyler location

Come by, tour the home, meet Skye and me, and ask all of your homebuying and financing questions while you’re there! I’d love the opportunity to help you explore what purchasing this home — or another one you love — could look like for you. 🏡🔑

Hosted by:
Skye Johnson, REALTOR®
The Property Shoppe Group | eXp Realty

Mortgage Financing:
Jenarae Ditto | Mortgage Loan Officer
📱 903-422-6516
NMLS #2738932

Listing Agent: Kim Bass Houser, REALTOR®

Tag someone who needs to come see this one! 👀🏡

Falling for the kitchen is easy. 🤍Making sure you’ll love the payment just as much is where I come in.Before you fall in...
08/20/2026

Falling for the kitchen is easy. 🤍

Making sure you’ll love the payment just as much is where I come in.

Before you fall in love with a home, it helps to know what the numbers actually look like—not just the purchase price, but the estimated monthly payment, cash needed to close, and financing options available to you.

Because finding a home you love is exciting. Finding one you love and feel comfortable paying for is even better. 🏡

Message me “PAYMENT” and I’ll help you start with the numbers before you start touring.

— Jenarae Ditto
Mortgage Loan Officer | East Texas
NMLS #630601

08/20/2026

Starting a new job and buying a home at the same time can absolutely work — but your employment timeline matters more than most buyers realize. 🏡💼

A lender may need more than the salary listed on your offer letter. Your new employment documentation should clearly show things like your employer, position, pay, and official start date.

If the job is still contingent on something like a background check, licensing requirement, or another condition, additional documentation may be needed before closing.

The gap between jobs can matter too. If your current paycheck ends before the new one begins, your lender may need to determine whether the future income can be used to qualify and whether there are enough funds available to cover that transition period.

Requirements can vary depending on the loan program and your individual situation, which is why it’s so important to coordinate your employment change before making big timeline decisions.

Before choosing a closing date, line up:

• Your last day at your current job
• Your anticipated closing date
• Your first day at your new job

If you’re planning a career move while also planning a home purchase, talk with your mortgage lender before giving notice, scheduling the move, or setting your closing date.

Save this one for later — or send it to someone who’s trying to juggle a new job and a new home at the same time. ❤️

If we haven’t met yet, I’m Jenarae Ditto, Mortgage Loan Officer serving East Texas. I’d love to help you put together a financing plan that works with your timeline.

Jenarae Ditto | Mortgage Loan Officer
NMLS #2738932

08/20/2026

Rent vs. mortgage isn’t the whole comparison.

When you’re deciding whether it makes sense to buy, the better question is: What does the full financial picture look like for you?

Before making the decision, look at:

🏡 How long you plan to stay
Buying may make more sense when you expect to stay long enough for the costs of purchasing to be worthwhile.

💰 How much cash you’ll need
Think beyond the down payment. Closing costs and keeping money available for emergencies matter too.

📊 Your full monthly housing payment
Principal and interest are only part of it. Property taxes, homeowners insurance, and any HOA dues should be included.

🔨 The cost of owning the home
Maintenance and unexpected repairs become your responsibility, so they deserve a place in the budget.

🔄 How much flexibility you need
A possible move, job change, or major life transition may make renting the better fit right now—and that’s okay.

Homeownership can create stability and help build equity, but the goal isn’t simply to buy. The goal is to buy when the numbers and timing make sense for your life.

If you’re trying to decide whether renting or buying makes more sense, I can help you compare the numbers based on your actual budget and goals.

Send this to someone who’s trying to decide whether it’s time to buy.

— Jenarae Ditto, Mortgage Loan Officer
Your go-to mortgage resource in East Texas
NMLS #2738932

• mortgage payment planning • rent vs. buy • homebuyer education

Some things just make sense together. 😄Peanut butter + jelly 🥜🍓Chips + guacamole 🥑Pre-approval + house hunting 🏡A pre-ap...
08/05/2026

Some things just make sense together. 😄

Peanut butter + jelly 🥜🍓
Chips + guacamole 🥑
Pre-approval + house hunting 🏡

A pre-approval doesn't choose the home for you—it gives you the confidence to search with purpose.

✔️ Know your budget
✔️ Understand your monthly payment
✔️ Be ready to make a strong offer when you find the one

What pairing would you add to the list? 👇

Hi, I'm Jenarae Ditto, Mortgage Loan Officer with United Heritage Credit Union, proudly serving East Texas. Whether you're buying your first home or your next home, I'd love to help you get started.

📞 903-422-6516
💌 [email protected]

📍 Tyler • Lindale • East Texas

Address

Lindale, TX
75703

Website

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