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

10/23/2026

Don’t let credit myths keep you from exploring your homeownership goals.

Every situation is unique, and there may be more options than you realize. Let’s talk through your goals and explore a path forward.

10/19/2026

When evaluating how much house you can truly afford, it’s vital to look beyond just the mortgage qualification. Factors like taxes, insurance, and maintenance all play a role in your budget. Engaging early with a mortgage banker can clarify your options and make homeownership more attainable. 💡 Have questions? I'm here to help! Reach out anytime for guidance on your home loan journey. 🏡✨

Reach out if you have questions or if you want to explore options or strategies for a smooth journey to homeownership! Let’s build your roadmap together! 💪✨

Learn how to decide how much to borrow and what extra homeowner expenses to account for

10/15/2026

Follow the road to financial flexibility.

Your home’s equity could help you fund the projects, plans, and possibilities that matter most. With a HELOC (home equity line of credit), you can leverage the value you’ve already built and enjoy our introductory rate of 3.99% APR for 6 months, then as low as 7.00% APR thereafter.

Let’s talk about how your equity can work for you!

🔗 https://ow.ly/EZgv30sZOo7

10/14/2026

The appraisal process is changing, and I’m here to keep you informed.

Reach out to learn how upcoming appraisal changes may impact your transactions.

10/12/2026

Wishing everyone a reflective Columbus Day as we take time to learn from history and strive for greater understanding and unity.

10/09/2026

Reminder: Our mortgage offices, financial centers and ExpressBank will be closed Monday, Oct. 12, in observance of the federal holiday. Transactions made Oct. 10-13 will be posted by the morning of Oct. 14.

09/30/2026

Staying informed helps your clients stay confident.

Beginning November 2, 2026, updated appraisal standards will enhance property reporting and improve consistency across the mortgage industry.

Let’s chat about how these changes may impact your buyers and sellers.

09/24/2026

Medical professionals have unique financing needs. We put together mortgage solutions with you in mind.

Our Advanced Medical Professional (AMP) loan program offers specialized home financing solutions for eligible medical professionals, including:

▷ Up to 100% financing available for qualified borrowers
▷ Loan amounts up to $2.25 million
▷ Flexible qualification options
▷ Student loan flexibility
▷ No mortgage insurance on eligible transactions

Let's discuss your home financing options.

09/23/2026

🏠🔑 Houston-area homebuyers: this opportunity is for you! For a limited time, save $3,000 on closing costs when you purchase or refinance with an FHA loan.

Whether you're working with a low-down payment or building your credit, homeownership may be more attainable than you think. Let us help you take the next step toward finding the home of your dreams.

Contact me today to learn more about this amazing opportunity!

09/22/2026

At the 2026 National Tribal Housing Summit yesterday, the Department of Housing and Urban Development (HUD) awarded $150 million in Indian Housing Block Grant (IHBG) awards to more than 30 Native comm...

At the 2026 National Tribal Housing Summit yesterday, the Department of Housing and Urban Development (HUD) awarded $150 million in Indian Housing Block Grant (IHBG) awards to more than 30 Native comm...