Eagle Mortgage Company NMLS# 872948

Eagle Mortgage Company NMLS# 872948 Eagle Mortgage is a mortgage brokerage that works with many lenders and various loan programs to find the best mortgage solution for you.

Licensed in Texas & Oklahoma With over 15 years of experience in the mortgage industry, Chad Rutherford is a trusted mortgage broker who has helped countless families secure affordable and responsible home financing. At the heart of Chad’s approach is his unwavering commitment to being a trusted advisor and excellent communicator. As a mortgage broker, Chad leverages his extensive industry knowled

ge and relationships with a variety of lenders to find the best mortgage options available to his clients. Unlike traditional loan officers, whose role is limited to offering loans, Chad’s mission is to ensure his clients get the best loan for each unique situation. By carefully navigating the complex mortgage landscape, he tailors each solution to fit the unique needs of the borrower, whether they’re refinancing, purchasing their first home, investing, or exploring other loan options. Throughout his career, Chad has built a reputation for providing personalized service, along with the best communication and expert guidance. He has helped hundreds of families throughout the years, ensuring they make informed decisions about their home financing. His goal is always to make the mortgage process as smooth, transparent, and cost-effective as possible. Eagle Mortgage specializes in a wide range of mortgage products, including:
Rate & Term Refinances
Cash-out Loans
Conventional, FHA, VA, & USDA Purchases
DSCR / Investment Home Loans

Whether you're buying your first home, refinancing to save money, considering investing in real estate, or taking advantage of equity with a cash-out loan, Chad Rutherford is here to provide expert advice and secure the best deal for you and your family. His mission is simple: to be your most trusted mortgage advisor & ensure you get the best mortgage solution that fits your unique needs.

A lot of homeowners have equity, but they can’t use it. 🏠🏡And when your equity is trapped, your options shrink. Not just...
05/30/2026

A lot of homeowners have equity, but they can’t use it. 🏠🏡

And when your equity is trapped, your options shrink.

Not just for investing, but for things like remodeling, consolidating high-interest debt, buying your next home, or creating more monthly breathing room.

The goal isn’t to “do something” with your equity.

It’s to have a clear plan so you’re not making rushed decisions later.

If you’re thinking about making a move in 2026, this is the season to get your numbers organized and map out options.

05/29/2026

Rent increases hit differently because it’s not just the money. 💸💸

It’s the feeling that you’re paying more and getting nothing back.

Here’s the perspective shift: rent is a monthly expense with a guaranteed end point.

Ownership is a monthly expense that can also build something over time.

This isn’t about shaming renting or pushing anyone to buy before they’re ready.

It’s about recognizing the real tradeoff and then getting a plan that fits your life.

What we see separate renters who become homeowners from renters who stay stuck usually isn’t income.

It’s clarity:
🔹 What payment range actually feels safe for you
🔹 Which loan options match your situation
🔹 What you need to change now, and what can wait

If you want a simple next step, give me a call today at 972-814-6552

📈💸Rent going up again can feel like you’re getting punished for doing everything “right.”And here’s the part most people...
05/28/2026

📈💸Rent going up again can feel like you’re getting punished for doing everything “right.”
And here’s the part most people miss: it’s usually not that homeowners have more income...it’s that they have more clarity.

We see this all the time: two people with similar paychecks and similar monthly budgets. one keeps renting. the other buys.

The difference usually comes down to three things:
🔹Knowing which loan options fit your real situation
🔹 Understanding what you actually need up front (and what can wait)
🔹 Running the numbers the right way, so you’re not guessing

Buying isn’t about being “perfect.” it’s about having a plan that matches your timeline, your comfort zone, and your life.
Click here to get started: https://lynx.ly/5208d0c7

This is what most people miss when they hear, “Rates went up 1%.” 📈It’s not just a monthly payment conversation.It’s a t...
05/27/2026

This is what most people miss when they hear, “Rates went up 1%.” 📈

It’s not just a monthly payment conversation.
It’s a total cost of borrowing conversation.

Even small rate changes can reshape:
🔹 how much interest you pay over time
🔹 how fast you build equity
🔹 how much flexibility you have in your monthly budget
🔹 what price point feels comfortable (not just “approved”)

That’s why the smartest buyers don’t ask, “What rate can I get?” first.
They ask, “What payment do I want to live with, and what strategy gets me there?”

Sometimes the answer is a different price point.
Sometimes it’s negotiating credits.
Sometimes it’s choosing a different loan structure.
Sometimes it’s waiting while you strengthen your file.

☎️Call today and I can share numbers we use to help buyers make rate headlines feel less scary and more actionable. 972-814-6552

If you’re self-employed, you’ve probably heard some version of: “Come back when your tax returns look stronger.” 💪But bu...
05/26/2026

If you’re self-employed, you’ve probably heard some version of: “Come back when your tax returns look stronger.” 💪

But business owners don’t always show income the way W-2 borrowers do.
Write-offs, reinvesting, seasonal swings, and growth years can make “paper income” look smaller than your real cash flow.

Here’s the good news: there are mortgage options designed for non-traditional income, like bank statement loans and other alternative documentation programs.

That can mean you may qualify using things like consistent deposits and business cash flow instead of only W-2s and tax returns.

A few important truths:
🔹 You still have to show you can repay the loan. Any mortgage should be underwritten responsibly.
🔹Guidelines vary by program and lender. There’s no one-size-fits-all.

🇺🇸 Happy Memorial Day 🇺🇸
05/25/2026

🇺🇸 Happy Memorial Day 🇺🇸

This is the part of the rent vs buy conversation that gets skipped. 😅Rent is usually a known number each month.Buying ha...
05/21/2026

This is the part of the rent vs buy conversation that gets skipped. 😅

Rent is usually a known number each month.

Buying has more moving parts, but it also has one thing rent doesn’t: ownership upside over time.

That said, we want to say this clearly:

Home values don’t rise in a straight line.

And buying only “wins” when the payment fits your life and you plan to stay long enough for the math to work.

So instead of asking, “Should I buy right now?” we help people ask better questions:

⭐If my rent goes up again, what does that do to my plan?
⭐ If I buy, can I still keep a cash cushion?
⭐ How long do I realistically plan to stay?
⭐What payment feels comfortable even if life gets more expensive?

If you want a simple side-by-side breakdown for your situation (rent, savings, timeline, comfort payment), give me a call today and I’ll share the worksheet we use with clients. 972-814-8552

A lot of people don’t stay renting because they love renting. 💔They stay renting because they’re trying to be responsibl...
05/20/2026

A lot of people don’t stay renting because they love renting. 💔

They stay renting because they’re trying to be responsible, and they’ve been told a few “rules” that aren’t always true.

These are the ones we hear every week:

1️⃣ “I need 20% down.”
For many buyers, the better question is: can you buy without draining your savings and still keep a healthy buffer?

2️⃣ “My credit isn’t good enough.”
Credit is rarely a yes/no. It’s usually a “not yet, here’s the path.” Sometimes it’s one adjustment and 60–90 days.

3️⃣ “I can’t afford it.”
Maybe. Or maybe you’re using an online estimate that’s missing taxes, insurance, or the way your real monthly life works.

4️⃣ “I need to pay off all my debt first.”
Sometimes that’s smart. Other times it delays you for years when a balanced approach would’ve kept you stable and moving forward.

We’re not here to talk you into buying.

We’re here to help you get clear on what’s true for you, with real numbers and a plan you can trust. Click here for more information: https://lynx.ly/5208d0c7

“Is it time for a Buyer Refresh?”If you’ve been looking for a while, changed your timeline, or the monthly numbers feel ...
05/18/2026

“Is it time for a Buyer Refresh?”

If you’ve been looking for a while, changed your timeline, or the monthly numbers feel different than they did a few months ago… yes.

A Buyer Refresh is basically a reset that helps you stop guessing and start moving with confidence again.

Here’s when we recommend it:
🔹 your pre-approval is 60 to 90+ days old
🔹 taxes or insurance estimates have shifted
🔹you changed jobs, pay structure, or got new debt

Your savings changed (up or down)
🔹you’re seeing homes you like, but the payment feels tight
🔹 you’re just tired of “almost” and want a clearer plan

What we refresh:
🔹 your comfort payment (not your max)
🔹 your cash-to-close with a buffer
🔹your offer strategy based on today’s market reality

Because shopping with old numbers is how buyers end up stressed, surprised, or stuck.

Address

306 West Main Street, Suite B
Gunter, TX
75058

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm

Telephone

+19723821176

Website

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