Monica Appel - Mortgage Professional

08/05/2026

10 questions to ask before you buy a home in Texas

Most buyers tour a house, love the kitchen, and never ask the questions that actually protect them. These 10 do. They cost nothing to ask and the answers can save you thousands after closing.

1. Why is the seller moving?
2. How long has it been listed?
3. What did it sell for last time?
4. Any insurance claims on the home?
5. How old are the roof, HVAC, and water heater?
6. What are the ACTUAL utility bills?
7. Any planned construction nearby?
8. What's included in the sale?
9. HOA rules and fees?
10. Were renovations permitted?

Screenshot this before your next showing.

Guest Post: https://www.homepros411.com/blog/construction-to-permanent-loan-vs-two-time-close-construction-loan-which-one-is-best-for-you

07/22/2026

Good credit matters, but lenders also look closely at your debt-to-income ratio.

DTI compares your monthly debt payments to your gross monthly income. A lower DTI can improve your chances of qualifying and may give you more buying power.

Before you start house hunting, let’s review the numbers and build a plan that works for your budget.

07/21/2026

Izaac officially closed on the purchase of his very first home today, and we could not be more excited for him. Here’s to new keys, new memories, and an exciting new chapter! 🔑😊

07/14/2026

Texas real estate agents! Sharing a helpful opportunity for anyone who still needs their Legal Update II CE credits!

Our partners at Kendall Homes are hosting a complimentary 4-hour Legal Update II class at their Rose Hill Estates model home in Willis. Attendees can earn CE credits, tour the community, connect with other local professionals, and enjoy lunch provided by The Texas Mortgage Pros.

📅 August 5, 2026
⏰ Registration: 9:40 AM
📚 Class: 10:00 AM–2:00 PM
📍 Kendall Homes at Rose Hill Estates
9723 Rambling Rose Way, Willis, TX 77378

Space may be limited, so please use the QR code on the flyer to RSVP. Feel free to share this with any agents who may benefit!

07/14/2026

Today's inflation report was a win for homebuyers and mortgage rates. If inflation continues trending lower and oil prices stabilize, the outlook for mortgage rates remains positive.

07/13/2026

Mortgage rates are under a little pressure as global events push oil prices higher.

07/10/2026

Mortgage rates are holding steady as markets look ahead to next week’s inflation reports. If inflation continues to cool, buyers could see improved affordability and better financing opportunities.

The key takeaway: focus on the payment that works for your budget and stay prepared to act when the right home comes along.

03/13/2024

5.0 star review received on Experience.com for Monica Appel by Zachary M - nnnnnnnnnn

Click to see all 21 reviews of Monica Appel - USA Mortgage, Retail Branch Manager

03/05/2024

5.0 star review received on Experience.com for Monica Appel by Barry J G - Quick response, very attentive to needs

Click to see all 20 reviews of Monica Appel - USA Mortgage, Retail Branch Manager