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The Financial Suit Team We will work with you, to learn your financial situation in depth so we can create a plan for you to reach your goals.

The Financial Suit Team
Phong Truong - NMLS #1755092
NEXA Mortgage LLC - NMLS #1660690
Branch License # 2106227
Company State License #: AZMB - 0944059
Corporate: 3100 W Ray Rd STE 201 Office # 209, Chandler AZ 85226 As an experienced Team of Mortgage Professionals, with the United States' leading brokerage, the Financial Suit Team work diligently to ensure you are well informed on today's market. We have access to a major network of lenders in the USA, so your options are extensive. From there we will narrow down your options with the lenders/banks that are best suited to you. We will always ensure you are not only getting the best interest rate, but the best mortgage product suited to your specific needs. Whether you're buying your first home, an investment property, renewing your current mortgage, or even looking at consolidating current debts, We are the team to talk to. We pride ourselves on being an expert in the industry and love what we do! COMPLIANCE

"CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A COMPANY OR A RESIDENTIAL MORTGAGE LOAN ORIGINATOR SHOULD COMPLETE AND SEND A COMPLAINT FORM TO THE TEXAS DEPARTMENT OF SAVINGS AND MORTGAGE LENDING, 2601 NORTH LAMAR, SUITE 201, AUSTIN, TEXAS 78705. COMPLAINT FORMS AND INSTRUCTIONS MAY BE OBTAINED FROM THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV. A TOLL-FREE CONSUMER HOTLINE IS AVAILABLE AT 1-877-276-5550. THE DEPARTMENT MAINTAINS A RECOVERY FUND TO MAKE PAYMENTS OF CERTAIN ACTUAL OUT-OF-POCKET DAMAGES SUSTAINED BY BORROWERS CAUSED BY ACTS OF LICENSED RESIDENTIAL MORTGAGE LOAN ORIGINATORS. A WRITTEN APPLICATION FOR REIMBURSEMENT FROM THE RECOVERY FUND MUST BE FILED WITH AND INVESTIGATED BY THE DEPARTMENT PRIOR TO THE PAYMENT OF A CLAIM. FOR MORE INFORMATION ABOUT THE RECOVERY FUND, PLEASE CONSULT THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV."https://www.sml.texas.gov/ResidentialMortgageLoanOriginator/documents/rmlo_compliance_reporting/rmlo_80_200_b_recovery_fund_notice.pdf

10/16/2026

Your next real estate move could start with a property you already own.

A rental-property HELOC can help eligible investors access equity while keeping their existing first mortgage in place.

Program highlights:
• Up to 90% combined loan-to-value, subject to eligibility
• Closing as quickly as 5 business days with a completed, eligible file
• No appraisal required
• No hard credit pull
• No tax returns needed
• Bank-account deposits can be reviewed through a secure Plaid connection

Considering another investment or improvements to an existing rental? Let's see whether this option fits your plans.

Call 832.402.6558 for HELOC on your rental property.

Program eligibility and terms apply. Closing times vary. The property secures the HELOC, and borrowing adds a repayment obligation.

Phong Truong | NMLS #1755092
NEXA Lending, LLC | NMLS #1660690 | Equal Housing Lender

A clear explanation. A returned call. Someone catching a detail before it becomes a problem.Those moments may never beco...
10/16/2026

A clear explanation. A returned call. Someone catching a detail before it becomes a problem.

Those moments may never become the headline, but they can make a complicated process feel more manageable.

Today, a thank-you to the people who bring care and follow-through to their work, and to the partners who make time for the questions behind the paperwork.

Who made your week a little easier?

A different way to spend a Houston evening: Blue, Sable, Turning at MATCH this Saturday, October 17, at 6 or 8 p.m.Jasmi...
10/15/2026

A different way to spend a Houston evening: Blue, Sable, Turning at MATCH this Saturday, October 17, at 6 or 8 p.m.

Jasmine Hearn's performance brings movement, sound and film into a story connected to Buffalo Bayou.

Sometimes getting to know a city means making room for the people telling its stories. If this sounds like your kind of evening, check the organizer's current details and ticket availability before heading out.

Details: https://matchouston.org/events/2026/blue-sable-turning

10/15/2026

Inflation ran hot. Mortgage pricing still finished a little better. How can both be true? 🏡

September consumer prices rose 0.6% for the month and 3.7% over the year, BLS reported Wednesday. Core inflation was 2.6% over the year.

MND reported worse mortgage pricing after the inflation release, followed by a recovery. Its explanation: stock selling may have redirected some money into bonds. That is an interpretation, not a dependable trading rule.

Wednesday’s closing benchmarks: MND 30-year fixed 7.45% (−1 basis point); Treasury 2-year 4.82% (+3); Treasury 10-year 5.19% (−2). Changes are versus Tuesday.

For someone comparing lenders, the practical lesson is the timestamp. A quote from the morning and one from the afternoon can reflect different markets, even before you compare fees.

Ask both lenders to price the same loan scenario at about the same time. Match the loan type, term, down payment and lock period. Then compare the rate alongside points, lender credits and closing costs.

If your rate is already locked, a better headline does not automatically change it. Ask about the specific terms of your agreement.

September producer-price data is scheduled Thursday at 7:30 a.m. Central. This evening snapshot does not include that release or Thursday’s market reaction.

Before choosing the lower number, ask: “Are these two quotes actually comparable?”

Wednesday-evening snapshot for Thursday, October 15, 9 a.m. Central. Public benchmarks, not personal loan quotes. General education, not a loan offer.

Rates dipped. Does that make a refinance worth it? Check the payback period before you celebrate. 🏡Tuesday brought a lit...
10/14/2026

Rates dipped. Does that make a refinance worth it? Check the payback period before you celebrate. 🏡

Tuesday brought a little relief: Mortgage News Daily’s 30-year fixed index fell to 7.46%, down 2 basis points from Friday’s 7.48%. MND described it as another two-week low.

MND attributed the improvement to renewed bond buying after yields had risen, with unusually quiet trading during the day. More demand for bonds can push prices up and yields down. That is reported market context, not a promise about your next quote.

Tuesday’s official Treasury yields also eased: 2-year 4.79%, down 1 basis point; 10-year 5.21%, down 3. Changes are versus Friday, October 9. Monday was a bond-market holiday.

Here is a simple illustration, separate from the market index: suppose a refinance has $3,000 in net loan costs and reduces principal and interest by $125 a month. The simple cash-flow break-even is 24 months. If you replace that loan after 18 months, you have recovered $2,250 of the $3,000 through those payment savings.

That is only a first screen. Compare the remaining balance, interest and repayment term too. A lower payment from restarting a longer term is not automatically a lower-cost loan. Separate true loan costs from prepaid taxes, insurance and escrow deposits.

September CPI is scheduled for Wednesday, October 14 at 7:30 a.m. Central, before this 9 a.m. edition. This Tuesday-evening draft does not contain that result or the market reaction. Material morning changes need a refreshed briefing.

Before you refinance, ask: “What will this cost, and how long do I realistically expect to keep the new loan?”

Tuesday-evening snapshot for Wednesday, October 14. Public benchmarks, not personal loan quotes. General education, not a loan offer.

You can know your business inside out and still wonder how a mortgage lender will read it.Bank statements, a profit-and-...
10/13/2026

You can know your business inside out and still wonder how a mortgage lender will read it.

Bank statements, a profit-and-loss statement, 1099s and tax returns each show a different part of the picture. Some mortgage programs use alternative documentation, but each has its own requirements and costs.

Start with accurate records and a conversation about your plans. Keep your tax professional involved.

Which part feels hardest: organizing the documents, explaining uneven income, or knowing which questions to ask?

10/13/2026

What does the price of oil have to do with the home you want to buy? More than you might expect. 🏡

Monday morning, U.S. crude was up about 2% amid renewed geopolitical concerns, according to Schwab's October 12 market report. That was a morning snapshot, not a closing price.

Here is the mortgage connection: higher energy costs can add inflation pressure. If investors expect inflation to persist, that can put upward pressure on bond yields and new mortgage pricing. It is a possible channel, not proof that rates rose Monday or a prediction for Tuesday.

Latest published snapshot, Friday October 9: MND 30-year fixed index 7.48% (down 2 basis points); 2-year Treasury 4.80% (up 5); 10-year Treasury 5.24% (up 2). Changes are versus Thursday. Monday's cash-bond holiday left these published benchmarks dated Friday. They do not show a mortgage reaction to Monday's news.

Next: September CPI on Wednesday, October 14, and September PPI on Thursday, October 15, both at 7:30 a.m. Central. Those reports cover September, so they cannot capture Monday's October oil move. Results are still ahead.

Already have a fixed-rate mortgage? A market headline does not change your contractual principal-and-interest payment. Taxes and insurance can change separately.

Buying or refinancing with a floating rate? Before the next report, ask what a lock would protect, how long it lasts and what happens if closing is delayed. Decide around your timeline and comfort with uncertainty, not a guess about the next headline.

Monday-evening snapshot for Tuesday, October 13. Public benchmarks, not personal loan quotes. General education, not a loan offer.

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