Adam Bartling - Texas Mortgage Broker

06/06/2026

Veterans: Yall requested this article on VA Entitlement and purchasing multiple homes on VA Loans

Calculate your remaining VA loan entitlement with 4 real COE examples, the 2026 formula & a free calculator. Texas VA loan help

05/22/2026

Who is the best lender? What lenders have the best rates? What lenders work with first-time home buyers? What lenders have down payment assistance? What lenders should I avoid?

These are all questions that people ask, so let me shed some light.
BartlingLending.com

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.