Tracy Cole - Senior Mortgage Banker, NMLS #492786 - Bank of Texas Mortgage

09/09/2026

Navigating the home-buying journey? Choosing between an FHA and conventional loan doesn't have to be complicated. FHA loans can be a great fit for buyers with lower credit scores or smaller down payments, while conventional loans may offer long-term savings.

Let's talk about which option best fits your goals. I'm here to help you find the right path to homeownership! 📞💬

Credit scores, down payments, mortgage insurance and long-term costs may factor into the decision

09/05/2026

Wishing everyone a safe and happy weekend! Please note that our mortgage offices, financial centers and ExpressBank will be closed on Monday, September 7.

Transactions from September 5 through September 8 will be posted by the morning of September 9.

09/04/2026

More housing options can mean more opportunities for homebuyers. The ROAD to Housing Act is intended to support housing development, expand access to financing, and help communities address inventory shortages.

These types of initiatives can help strengthen the long-term path to homeownership. Read this column from my colleague to learn more about what he calls the most significant housing legislation passed in the last 15 years: https://ow.ly/FGrP50ZFKOF

If you're considering buying a home, let's talk about what options may be available to you today.

First-time buyers often find themselves competing for a limited number of homes. We need more supply. | Opinion

09/03/2026

I truly appreciate my clients' trust in me and my team during their homebuying journey. It's an honor to be part of such an important milestone, and I'm committed to making the experience smooth and positive every step of the way.

09/01/2026

Don't let market volatility derail your long-term goals. Stay focused, avoid emotional decisions, and keep your financial plan front and center.

Need guidance on how a home loan fits into your financial strategy? I'm here to help.

How to stay grounded, avoid costly mistakes and keep your long-term plan on track

08/21/2026

The equity you’ve built can help make things happen. Whether you’re upgrading your home, simplifying finances, or preparing for a big life event, a HELOC (home equity line of credit) gives you the flexibility to move forward with confidence.

👉Contact me today to learn more about our limited-time HELOC offer – hurry, it ends August 27, 2026.

🔗 https://ow.ly/TmaK30sXNaT

08/18/2026

Homeowners are rethinking their options in today's market! With mortgage rates on the rise, many are opting to remodel instead of sell, leveraging their home equity without losing their low-rate mortgages. 🏡💰

If you're considering a home upgrade or need to consolidate debt, understanding options like HELOCs vs. cash-out refinances is key. Each has unique benefits based on your goals.

Have questions about your home loan options? I'm here to help—let's chat!

What to know if you're considering updating—or upgrading—your home

08/13/2026

Navigating the shifting landscape of mortgage rates can be daunting. With recent leadership changes at the Fed, there are many factors at play that could impact our mortgage rates. Understanding these dynamics is crucial for making informed decisions. If you have questions about how these trends may affect your home loan options, feel free to reach out. I'm here to help! 🏡💼

Changes are likely but how much can change—and the market’s reaction—is unclear