MKH Mortgage Lady NMLS 1240042 Empowered by NEXA Mortgage LLC

09/26/2025

🌟 Investors, Let’s Talk DSCR Loans! 🌟

Hey friends 👋,
If you’ve been thinking about growing your rental property portfolio but feel stuck because your personal income isn’t where you want it to be… I have GREAT news for you!

💡 DSCR Loans (Debt Service Coverage Ratio loans) are designed just for investors like you.

Here’s the best part:
✅ Approval is based on your property’s rental income, not your personal income.
✅ Great for first-time or seasoned investors.
✅ Perfect for buying or refinancing rental properties.
✅ Helps you scale your portfolio faster.

✨ Imagine being able to add that next rental property simply because the numbers make sense — not because your W-2 does!

If you’re ready to put your investments to work for YOU, send me a message or drop a 🏡 in the comments, and I’ll share how DSCR loans can help you move forward.

Let’s build wealth together, one door at a time! 🚪💰

Melissea Keyes-Huff
Mortgage Advisor
NMLS 1240042
512-790-3838 call/text
[email protected]

03/25/2025

02/05/2025

Estate planning is crucial for preserving wealth and wisdom within the Black community. By creating wills, trusts, and healthcare directives, we ensure our assets are protected and our wishes honored. This proactive approach not only safeguards our legacy but also empowers future generations. Let's prioritize estate planning to build a foundation of financial security and enduring wisdom.

Andre Jean-Pierre teaches that estate planning is more than just deciding who gets what. Anyone can do that on the back of a napkin.

11/13/2024

**🔑 Title Matters! What Every First-Time Homebuyer Should Know 🔑**

If you’re a first-time homebuyer, you may have heard the term *“title”* come up. But what does it really mean, and why is it important? Let’s break it down!

📝 **What Is a Title?**
A title is the legal documentation that shows you own the property. It confirms that you have the legal right to use, modify, or sell the home as you see fit!

🔍 **Why Title Searches Are Important:**
Before closing on a home, a title search is conducted to ensure there are no existing issues, like unpaid taxes, liens, or disputes over property ownership. This protects you from potential legal hassles in the future.

💼 **Title Insurance:**
Title insurance is a one-time fee that helps protect your ownership rights. If a hidden issue with the title arises later on, title insurance covers any legal costs, so you can enjoy peace of mind!

💡 **Top Benefits of Title Protection:**
1. Ensures clear ownership
2. Protects against unknown claims or disputes
3. Covers legal defense if title issues arise

Navigating the title process may feel like a lot, but you don’t have to go it alone! Reach out with any questions or let’s chat about how to make the journey to your new home as smooth as possible. 🏡✨


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11/12/2024

**🏠 Understanding Appraisals: A Key Step for First-Time Homebuyers! 🏠**

Buying your first home? The appraisal process can feel like a big mystery, but it’s an essential step in securing your mortgage and ensuring you’re paying a fair price! Here’s a quick breakdown:

🔍 **What’s an Appraisal?**
An appraisal is a professional, unbiased evaluation of a home's value, performed by a licensed appraiser. It helps protect both you and your lender by making sure the property’s price matches its worth.

💸 **Why It Matters:**
- *Helps secure your mortgage* – Lenders need assurance that the property value aligns with the loan amount.
- *Ensures you’re investing wisely* – You’ll know if the price reflects the market value, which can help you avoid overpaying!

📋 **What Factors Influence an Appraisal?**
- Property size and condition
- Location and neighborhood
- Recent sales of similar homes

🤔 **What If the Appraisal Is Low?**
Don’t stress! You may be able to renegotiate with the seller, bring additional funds, or even challenge the appraisal.

Appraisals are all about giving you peace of mind as you make this big investment. Have questions about the process? Drop them below or send a DM—I’m here to guide you through every step! 🏡💙

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08/08/2024

Do you have an FHA or VA home loan from 2023? You may be eligible to delay your September and October payments as well as lower your overall mortgage payment. Comment, DM or text me at (512)790-3838

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08/03/2024

📉 Mortgage Rates are Dropping! 📉

Great news for homebuyers and homeowners! Mortgage rates have recently dropped, making it an ideal time to buy a new home or refinance your current mortgage. 🌟

Whether you’re a first-time homebuyer, looking to upgrade, or considering refinancing to save on your monthly payments, now is the perfect opportunity to take advantage of these lower rates.

🏡 Ready to explore your options? Contact me today to see how you can benefit from these new, lower rates. Let’s make your homeownership dreams a reality!

📞 Melissea Keyes-Huff
NMLS 1240042
MKH Mortgage Lady
512-790-3838

07/11/2024

I hope you all are safe and sound after Hurricane Beryl. Praying that you and your loved ones during the storm.

I understand that this hurricane has been incredibly disruptive. I live in Humble and just received power a day ago. I'm here to offer my support in any way I can. Here are some resources that might be helpful during this time:

Safety Tips:
If you haven't already, please prioritize ensuring your safety and the safety of your family.

Centerpoint Energy Outage Map: https://storymaps.arcgis.com/stories/195bcf03ae0c491f9f14bf77f2c43420

Hurricane Cleanup:
FEMA (Federal Emergency Management Agency): https://www.fema.gov/ provides valuable resources for hurricane recovery, including cleanup tips AND emergency food assistance.

Filing Insurance Claims:
If your property sustained damage, contact your insurance company as soon as possible to initiate the claims process. We've included some tips for filing a successful claim:

Document Everything: Take detailed photos and videos of any damage to your property.

Keep Records: Maintain copies of receipts for any repair or replacement costs you incur.

Review Your Policy: Familiarize yourself with your homeowner's insurance policy to understand coverage details and exclusions.

I understand this is a challenging time, and I want to assure you that I'm here for you. Please don't hesitate to reach out if you have any questions or need any assistance. We're just a phone call or email away.

Melissea

Photo credit: David Smith

06/27/2024

🚀 Exciting News! Program Enhancement for Empowered DPA 🚀

🏠 National Grant Program provides up to 3.5% down payment for FHA Financing! This means more opportunities for you to achieve your dream of homeownership with no repayment and no second lien.

🔑 Eligibility Requirements:

- First-Time Homebuyers
- Current or retired employees of Local, State, or Federal Government
- Current or retired medical professionals
- Volunteers who have served in roles such as PTA, sports coach, church volunteer, etc.

📋 Qualifications:

- DU Approve/Eligible 580 - FICO NEW!!!
- Max DTI 49.99%
- Eligible for 1-2 Units, Manufactured Homes (Single, Double, & Triple), PUDs, FHA Approved Condos
- Up to 6% Seller Concessions Allowed

📞 Contact Me today to learn more about how you can take advantage of this amazing opportunity!

05/13/2024

🌸 Happy Mother's Day from MKH Mortgage Lady! 🌸

To all the incredible mothers out there, we celebrate you today and every day for your love, strength, and unwavering dedication. Thank you for all that you do to make our houses into homes.

05/05/2024

"Crucial Homebuying Vocabulary: The Significance of 'Signing' 🖋️ It's the pivotal moment where dreams meet reality as you ink the deal on your new home. Understanding the signing process ensures you're prepared for this milestone. "

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05/04/2024

"Unlocking Homebuying Jargon: Let's Talk 'Escrow' 📜 It's the neutral third-party account where funds are held during a real estate transaction until all conditions are met. Understanding escrow is key to a smooth home purchase process. "

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