John Frels - Mortgage GURU NMLS# 282056

19/09/2024

REALTORS....
GIVE YOUR BORROWERS A HUGE ADVANTAGE STARTING TODAY!

New 2025 conforming loan limits won’t be released until November, but we’re honoring expected limits NOW for conventional and VA loans*, so you can start qualifying more borrowers!

$803,500 one-unit conventional and VA loans*
(increased from $766,550) (Higher than other Lenders)

Updated conforming loan limits are also available on conventional loans for 2–4 unit properties

*VA borrowers must have full entitlement to take advantage of expected loan limits.

27/05/2024

Send a message to learn more

22/04/2024

OK REALTOR PEEPS...
IT'S MY BIRTHDAY WEEK!

I'd just LOOOOVE for y'all to think of me with your next Purchase Client!
I'm also FUN to work with...and happen to be really good at what I do!

At NRL Mortgage, we believe that what we do is important, but what defines us is how we do it. From before you apply to long after you close, we guide you through the most important transactions of your life by providing the most important thing a lender can: reliability. Founded in 2007 and headqua...

09/04/2024

WOOOO HOOOO.....just got a contract that's closing on my Birthday! 4/24

Any other Realtors want to JOIN IN????

At NRL Mortgage, we believe that what we do is important, but what defines us is how we do it. From before you apply to long after you close, we guide you through the most important transactions of your life by providing the most important thing a lender can: reliability. Founded in 2007 and headqua...

03/04/2024

A little Frels Family History....

Frelsburg, Texas, Colorado County: history, landmark, vintage & contemporary photos, road trip nearby destinations, hotels & more.

17/03/2024

Happy St Gertrude's Day!!!

14/03/2024

Wouldn't THAT be NICE!?!?!?
NRLMortgage.com/JohnFrels

13/03/2024

When you see yet another FB Friend excited about their new home purchase....but somehow forgot to call upon you for their Mortgage....

Always use LOCAL PEOPLE YOU KNOW...for Services.
PLEASE DON'T FORGET ABOUT ME when it comes to Purchasing/Refinancing/Home Equity
NRLMortgage.com/JohnFrels 713-822-0475

08/03/2024

I would GUESS that I have at least 1000 Realtor Friends here on FB.....and I'm here to tell you ALL that I really hate "Dialing for Dollars"....
Instead....could some of you....any of you....please think of me for your next Client or someone you know that is looking to buy?
I'd really appreciate it! 😘

27/02/2024

HEY GUYS....Started another Area Foodie Group with my Friend Fiona Gilmour.....for you all join!!!!
Rice, West University, Bellaire Area Foodies

JOIN US and Let's just EAT ACROSS THIS AMAZING CITY AREA BY AREA!!!

09/01/2024

🏡 NEW YEAR...SAME QUESTION: BUY OR RENT? 🤔

Texas got a nice boost to its Conforming and FHA loan limits!
With Conforming...One-Unit Properties: $766,550, Two-Unit Properties: $981,500, Three-Unit Properties: $1,186,350, Four-Unit Properties: $1,474,400.

FHA has a new ceiling of $498,257 for one-family properties, $637,950 for two-family properties, $771,125 for three-family properties, and $958,350 for four-family properties.

SOOOO... the housing market poses a tough decision for many: Should you buy a home or continue renting?
Here are some key trends to consider:
Home prices are expected to keep rising, with annual growth projected at 2.4% in 2024, 2.7% in 2025, and 3.7% in 2026.
Rental prices are growing faster than home prices, making renting more favorable for monthly cash flow.
In some markets, mortgage payments are actually higher than monthly rent prices.

Give me a call to discuss!


Apply online at

At NRL Mortgage, we believe that what we do is important, but what defines us is how we do it. From before you apply to long after you close, we guide you through the most important transactions of your life by providing the most important thing a lender can: reliability. Founded in 2007 and headqua...