Adam Bartling - Mortgage Broker

03/28/2026

DOCTORS
UP TO 100% FINANCING & NO MORTGAGE INSURANCE*

FLEXIBLE STUDENT LOAN CONSIDERATION

BUY BEFORE YOU START YOUR NEW JOB

BUY, REFINANCE OR ACCESS YOUR EQUITY

AVAILABLE TO A WIDE-RANGE OF MEDICAL PROFESSIONALS

Medical Doctors (MD)
Doctors of Osteopathy (DO)
Doctors of Dental Surgery (DDS)
Doctors of Dental Medicine (DMD)
Doctor of Ophthalmology (MD or DO)
Doctors of Podiatric Medicine (DPM)
Doctor of Psychiatry (MD or DO)
Doctors of Veterinary Medicine (DVM or VMD)
Doctor of Pharmacy (PharmD)
Certified Registered Nurse Anesthetists (CRNA with DNAP or DNP)
Residents, Fellows, and Interns
MD, DDS, DO Teaching Professionals (with an MD or DO)

PROGRAM DETAILS*
Can be used for:

Primary residence purchases
Rate-and-term refinances
Delayed financing (cash purchases within 6 months)
No investment properties
No second homes

Property types:

1-2 unit single-family residences
1-unit condominiums
1-unit PUDs

Qualifying standards:

FICO’s as low as 680
Loan Amounts up to $2M
Up to 50% debt-to-income (maximum 45% max DTI for ARMs or LTV above 95%)
Fully executed employment contract required

Serving Texas & 30+ states. We work for you not the Bank - VA, FHA, Conventional, DSCR, Construction loans. Phone is answered to 8pm.

02/01/2026

Houses aren't selling because of the interest rates 🤯
Your home is not selling because the price is inflated.
If your home is over 30 years old and there's no updates you cannot ask the same price per square foot as homes that are updated 🤯

If you want accurate advice ask a lender, your realtor is probably going to tell you it's overpriced but you're not listening..

It's not the market it's your pricing 😱💥💯
BartlingLending.com

12/06/2025

Remember when you're looking at the New Homes and their advertising Interest Rates 3-4%.
Sound great right?

Well squash the Emotional Decision😱...

The better financial decision is to buy with the current interest rate and refinance next year.🤯💯





BartlingLending.com

Got questions... Holla.

12/01/2025

MARKET SUMMARY Dec 1st
Rates pulled back modestly today as bond yields dipped — a bit of relief for borrowers, though conditions remain relatively tight.

MORTGAGE RATES TODAY
30‑Year Fixed: 6.14% (vs 6.24% last week)
15‑Year Fixed: 5.44% (vs ~5.51% last week)
30‑Year FHA: 5.99% (vs ~6.10% last week)
30‑Year VA: 5.76% (vs ~5.85% last week)
5/1 ARM: ~6.50% (vs ~6.55% last week — estimated)
30‑Year Jumbo: 6.44% (vs ~6.44% last week)

KEY NUMBERS
• 10‑Year Treasury: 4.02%
• Mortgage Spread: ~212 basis points (30‑yr fixed vs 10‑yr Treasury)
• S&P 500: 6,849 (up 0.5%)
• VIX: 16.35 (calm)
• Mortgage Applications: up modestly (≈ +1–2% this week)

HOUSING MARKET UPDATE
• Temperature: BALANCED
• Inventory: ~4.5 months supply
• Median Home Price: $425,000 (up 3.2% YoY)
• Days on Market: 33 days
• Key Trend: Slight easing in rates combined with stable inventory is nudging buyers back in — activity is picking up slowly.

COMPETITIVE CHECK
Rocket: 6.20%
Wells Fargo: 6.15%
Chase: 6.18%
Market Average: 6.14%
Trend: Rates slightly falling

ACTION PLAN

Locks: Be cautious but opportunistic — rates dipped but volatility remains.

Focus: Purchases and select refinances — lower‑rate borrowers might benefit.

Opportunity: Push 15‑yr fixed and FHA/VA products for qualified clients — the spreads are favorable.

Risk: Treasury yields could rebound if inflation data surprises — that could push mortgage rates up again.

11/07/2025

11/07/2025

Home loans are now going to be based on income qualification with no credit requirement 🤯

bartlinglending.com

11/03/2025

🎓 MORTGAGE MONDAY TIP

[One clear, actionable tip about mortgages, buying, or credit]

Save this post and share it with someone who's thinking about buying a home!

Got questions? Comment below or message me directly.

10/29/2025

🏘️ ROSENBERG COMMUNITY QUESTION:

What do you love most about living in Fort Bend County?

For me, it's [personal reason - schools, community, growth, etc.]

Drop your favorite thing about our community below! 👇

P.S. - If you know anyone thinking about buying or refinancing a home here, I'd love to help them discover what makes this place so special.

10/27/2025

🎖️ FROM ARMY CAPTAIN TO MORTGAGE BROKER 🏠

22 years serving my country taught me:
✓ Mission first, people always
✓ No one gets left behind
✓ Integrity is non-negotiable

Now I bring that same commitment to helping families achieve homeownership.

When you work with me, you get:
🔹 A broker who shops multiple lenders for YOUR best deal
🔹 Someone who communicates clearly and honestly
🔹 A problem solver who finds solutions, not excuses

Your mission is homeownership. Let's accomplish it together.

- Adam Bartling | Retired Army Captain | NMLS #2213358

10/25/2025

📢 SHOUT OUT TO THE BEST REALTORS IN HOUSTON! 🏆

Behind every smooth closing is an amazing real estate agent who:
✓ Guides their clients with expertise
✓ Communicates proactively
✓ Partners with lenders who deliver

If you're an agent who demands excellence for your clients, let's connect.

I bring:
🔹 Multiple lender options (not just one bank)
🔹 Fast pre-approvals (24-48 hours)
🔹 Clear communication throughout
🔹 Creative solutions for tough deals

Tag your favorite realtor below! 👇

10/24/2025

🚀 SELF-EMPLOYED? GIG WORKER? ENTREPRENEUR?

Traditional banks might say "show us your tax returns and W2s."

But we say "show us your BANK STATEMENTS."

NON-QM LOANS = OPTIONS for non-traditional income:
💼 Business owners
📊 1099 contractors
🏠 Real estate investors
💰 Commission-based income
🎨 Freelancers

Your hustle deserves a home. Let's make it happen.