Courtney Guerra - Loan Officer

03/19/2026

02/11/2026

🚨👩‍⚕️👨‍⚕️ ATTENTION DOCTORS & PHYSICIANS — THIS ONE IS FOR YOU 🚨

Imagine finishing residency… landing your dream job… 💼✨
…but getting told “you can’t qualify” because of student loans you’re not even actively paying yet.

Here’s the crazy part most people don’t know:
❌ Traditional loans force us to count a percentage of your entire student loan balance as a “pretend” monthly payment.

Which can slash your buying power by tens or even hundreds of thousands 😳

💥 NOT ANYMORE 💥

I’m excited to share a brand new Physician Loan Program designed specifically for doctors that:
✅ Ignores student loan balances with special underwriting
✅ $0 down (100% financing)
✅ NO PMI (even with nothing down and making your monthly payment that much more affordable!)
✅ Easier qualification built for your unique income path

Translation? 👉 More approval power. Less cash upfront. Keys sooner. 🏡🔑

You’ve worked way too hard to have your home goals held back by student debt math. If you’re a physician (or soon to be), let’s talk and see what you qualify for — you might be surprised. 📲

🩺🏡✨

11/08/2025

🏡✨ BIG News for Future Homeowners!

Fannie Mae just announced they’re removing the minimum 620 credit score requirement for certain loans — opening the door to homeownership for more people than ever before! 🙌

This change means your entire financial picture will be considered, not just a number on a report. If your credit score has held you back, this could be your moment to finally make your move toward owning a home. 🏠💪

And the timing couldn’t be better — interest rates have been coming down substantially over the past few months, making homeownership more affordable again. 📉💰

Ready to see what’s possible? Let’s talk about how this update could help you buy your first (or next) home. 💬📞

10/01/2025

🚨 Government Shutdown & Home Loans – What You Need to Know 🚨

No, it’s not the end of the world 😂 — but if you’re buying or selling a home right now, a shutdown can absolutely delay or even STOP a closing. Here are the biggest things to watch:

✅ Major Impact: Flood Insurance
The National Flood Insurance Program expires Oct 1st.
If your transaction requires flood insurance and the program lapses:
• New policies CANNOT be issued
• Renewals/modifications STOP
• Closings requiring flood insurance CANNOT happen
• Existing active policies stay in effect — check expirations
👉 Private flood insurance is still an option!

⚠️ Moderate Impact: Expect Delays
Some services lenders rely on are tied to government systems:
• Social Security & VA income/ID verification
• IRS tax transcripts & income validation
• FHA, VA & USDA loan processing
• Federal employee job/income verification

These services may still run, but with fewer employees, delays are likely.

❓Other Unknowns
• Bankruptcy & foreclosure record checks
• Tax lien verification
• USDA Direct Loans (highest chance of delay)

⏳ What This Means for Buyers & Agents:
• Be ready for contract extensions
• Watch your rate lock expiration — extensions cost money
• Check flood insurance dates
• Verify if anyone in the deal is a federal employee
• Don’t risk losing earnest money by missing deadlines

🗣️ Bottom line: In lending, time is NOT our friend. Delays can cause rate changes, contract expirations, lock fees, updated disclosures, and more.

If you’re in a transaction (or about to be), reach out and I’ll help you navigate anything that comes up. I’m on top of this so you don’t get blindsided!

📲 Always here to help with questions or scenarios!

09/12/2025

🎉 Closing Day Success! 🎉

Huge congratulations to my amazing buyer on their new home 🏡✨ We went USDA with 0% down payment – proof that dreams really can come true without breaking the bank!

A big thank you to Trisha Boles for trusting me with your buyers 🙌 Partnerships like this make the process smooth and fun.

And to my client – you were such a joy to work with! Easy, positive, and a reminder of why I love what I do 💙

Here’s to new beginnings and a home full of memories! 🥂

09/09/2025

✨ Agents, this one’s for you! ✨

Have you ever wished you had a quick overview of the loan programs you’ll run into most as a real estate agent? 🏡

I put together a fun, easy-to-use Loan Program Cheat Sheet to help you match your buyers with the right financing option—fast!

📌 Created by Lonestar Premier Mortgage to make your job easier.
📌 A handy reference guide you’ll actually want to keep close.
📌 Saves you time and helps you close deals quicker.

👉 Comment below or message me and I’ll send you a copy!

09/04/2025

📉 **Rates Are Dropping — Here’s Your Window to Save BIG** 🏡💰

The Fed just signaled more rate cuts ahead—and the market reacted fast. Mortgage rates have already fallen noticeably in the past few weeks. 📉

That makes **right now** an excellent time to look into refinancing. We’re already helping families lower their payments, lock in stability, and get ahead financially.

🔄 **Bonus Opportunity:** Many homeowners are also tapping into their home equity to:
✔️ Consolidate high-interest debt
✔️ Reduce monthly expenses
✔️ Create breathing room in their budget

✅ Lower your rate
✅ Simplify your finances
✅ Stay ahead while others wait

📲 DM me to run the numbers—no pressure, just smart options to see how much you could save.

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07/05/2025

Please join me tomorrow from 12-2 pm
Where I can answer any lending question you may have!

07/03/2025

🎉 Big News, Friends! 🎉

I’m excited to invite you to the Grand Opening of Bay Area Realty right here in La Porte! 🏡✨

We’re celebrating in style with free food, great company, and an awesome meet & greet with the team! Plus, I’m proud to share that Lonestar Premier Mortgage (NMLS # 2326822) will be our preferred lender 💼

Come out, show some love, and support our amazing local businesses! 🙌

📍 Check out the flyer for all the details — can’t wait to see you there! 🎈

04/26/2025

This is me everyday lol