Torrey Jacoby at Rate NMLS 1002704

Torrey Jacoby at Rate NMLS 1002704 Torrey Jacoby, NMLS 1002704
VP of Mortgage Lending at Rate, NMLS 2611.

08/27/2026

Preparation is the part of homebuying many people skip, yet it’s the part that pays off the most. The early steps are simpler than you think, and each one makes what follows easier.

Reach out anytime and I’ll help you find your starting line.
https://myoc.io/jpxHm0qSS6O/l7NN2



NMLS # 1002704

08/25/2026

HELOC (Home Equity Line of Credit) and cash-out refi get mixed up all the time, and it's easy to see why. Both are ways to make use of the equity you've built, they just work very differently. Knowing how they compare puts you in a better spot to decide what fits when your goals shift. No need to have it all figured out today.

Save this for when the time feels right, and reach out whenever you'd like to talk it through.
https://myoc.io/jpxHm0qSS6O/dNcwk



NMLS # 1002704

08/24/2026

Do you know everything your monthly payment covers? Most people are surprised it's more than just principal and interest. Taxes and insurance are in there too, and that's the part most people miss.

If you've got questions about what makes up your payment, reach out to me today, I'm happy to walk you through it.
https://myoc.io/jpxHm0qSS6O/1INzw



NMLS # 1002704

08/20/2026

When your tax return doesn’t capture your full financial picture, it’s time to use your assets. Bank accounts, retirement accounts, investment portfolios, stocks, crypto and bonds could offer you loan amounts up to $5M, without a W-2.

I could qualify you for a mortgage using the wealth you’ve been building. Get in touch today and find out which doors your finances could open.
https://myoc.io/jpxHm0qSS6O/fL3MF



NMLS # 1002704

08/19/2026

A clearer housing plan starts with understanding your options. Renting may be right for now, but if you want more predictability in your
monthly budget, it may be worth seeing how homeownership compares.
https://myoc.io/jpxHm0qSS6O/UClbc



NMLS # 1002704

Pending home sales declined in July across all four regions, with signed contracts down from both last month and last ye...
08/18/2026

Pending home sales declined in July across all four regions, with signed contracts down from both last month and last year. More available homes could give buyers more to compare, while shifting activity means timing, budget and loan strategy matter. With the right options, you can better understand what fits your goals in a changing market.

Let’s review what today’s housing market trends could mean for your homeownership goals.
https://myoc.io/jpxHm0qSS6O/Xf873



NMLS # 1002704

08/17/2026

Return on investment is not the only reason to improve a home. Sometimes a project is worth it simply because it makes the place yours. What is the best or worst project ROI you have seen? Drop it in the comments.

And if you are considering a project of your own, reach out anytime and let’s talk through how it fits your bigger picture.
https://myoc.io/jpxHm0qSS6O/Up75u



NMLS # 1002704

08/13/2026

A home is not just where you live. It is where you gather the people who matter and make the nights worth remembering. When the space is yours, every plan gets a little easier to say yes to.

Let me know in the comments which event would come first on your calendar. And when you're ready to start your homeownership journey, I'd be happy to help you explore your options.
https://myoc.io/jpxHm0qSS6O/9F8qo



NMLS # 1002704

08/12/2026

Renting can be the right fit for a season. But when your goals start changing, it may be time to understand what ownership could make possible.

I can help you compare the numbers and plan for what comes next.
https://myoc.io/jpxHm0qSS6O/ViLEQ



NMLS # 1002704

Decreasing existing-home sales and a stubborn mortgage rate creates opportunity if you know how to navigate it. With a L...
08/11/2026

Decreasing existing-home sales and a stubborn mortgage rate creates opportunity if you know how to navigate it. With a Loan Officer at your side, a long-term plan could help you take advantage of more inventory and sellers eager to close.
https://myoc.io/jpxHm0qSS6O/jyf5k



NMLS # 1002704

Address

2603 Augusta Drive Suite 420
Houston, TX
77057

Telephone

+18327125048

Website

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