Your Loans Girl: Bobbie Cooper Terry, Mortgage Broker - NMLS 2284899

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Irving, TX
Your Loans Girl: Bobbie Cooper Terry, Mortgage Broker - NMLS 2284899

Providing opportunities for low rates, hassle free mortgages for buying or refinancing a home throughout Texas
(2)

You've heard the horror stories...how hard it is to qualify, not to mention the fighting, shopping, and haggling to get a good rate. I've got great news...When you're ready, the next step in getting a low rate mortgage made easy is to contact me so we can review your unique situation and make sure that you get a low rate mortgage without the stress and hassle. NMLS #2284899
(817) 455-2750
[email protected]

CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A MORTGAGE
BANKER OR A LICENSED MORTGAGE BANKER RESIDENTIAL MORTGAGE
LOAN ORIGINATOR SHOULD COMPLETE AND SEND A COMPLAINT FORM TO
THE TEXAS DEPARTMENT OF SAVINGS AND MORTGAGE LENDING, 2601
NORTH LAMAR, SUITE 201, AUSTIN, TEXAS 78705. COMPLAINT FORMS AND
INSTRUCTIONS MAY BE OBTAINED FROM THE DEPARTMENT’S WEBSITE AT
WWW.SML.TEXAS.GOV. A TOLL-FREE CONSUMER HOTLINE IS AVAILABLE AT
1-877-276-5550. THE DEPARTMENT MAINTAINS A RECOVERY FUND TO MAKE PAYMENTS OF
CERTAIN ACTUAL OUT OF POCKET DAMAGES SUSTAINED BY BORROWERS
CAUSED BY ACTS OF LICENSED MORTGAGE BANKER RESIDENTIAL
MORTGAGE LOAN ORIGINATORS. A WRITTEN APPLICATION FOR
REIMBURSEMENT FROM THE RECOVERY FUND MUST BE FILED WITH AND
INVESTIGATED BY THE DEPARTMENT PRIOR TO THE PAYMENT OF A CLAIM. FOR MORE INFORMATION ABOUT THE RECOVERY FUND, PLEASE CONSULT
THE DEPARTMENT’S WEB SITE AT WWW.SML.TEXAS.GOV.

09/09/2026

POV: I’m reviewing your bank statement and see a random $50,000 deposit… 😅

My first question: “Okayyy… where did that come from?”

Here’s why 👇

When you’re buying a home, large deposits can raise questions during underwriting. Mortgage professionals need to know where the money came from and have documentation to back it up.

Maybe it was:
💰 A gift from family
🚗 Money from selling something
🏦 A transfer from another account
💼 A bonus or other income

None of those automatically mean there’s a problem — I need to be able to explain and document it.

So before you move a big chunk of money around while buying a home, talk to a mortgage pro or talk to me first.

A 2-minute conversation now can save you a whole lot of headache later. 🙌

09/09/2026

Real Knowledge • Real Strategy • Your Loans Girl!

🏡 Your appraisal came in HIGHER than the price you agreed to pay… now what? 👀

First, that’s a good problem to have! 🔑

A higher appraisal means the home’s appraised value is above your contract price. And depending on your situation, that could create options you may not have considered.

The key is knowing what you can and can’t do with that extra value.

That’s where having a knowledgeable lender in your corner matters. I’ll help you understand the numbers, your loan guidelines, and whether there’s a strategy worth exploring.

Buying a home?
Let’s get you preapproved and make your next move a smart one. 🫱🏽‍🫲🏻

Bobbie Terry | Your Loans Girl
Mortgage Loan Originator | NMLS #2284899
📞 817-455-2750
📧 [email protected]

*** Every loan and transaction is different. Options are subject to loan-program guidelines and eligibility.

09/08/2026

🏡 𝗙𝗼𝗿 𝘁𝗵𝗲 𝗪𝗲𝗲𝗸 𝗼𝗳 𝗦𝗲𝗽𝘁𝗲𝗺𝗯𝗲𝗿 𝟳, 𝟮𝟬𝟮𝟲

𝗟𝗮𝘀𝘁 𝗪𝗲𝗲𝗸'𝘀 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗥𝗮𝘁𝗲 𝗥𝗲𝗰𝗮𝗽: 𝗥𝗮𝘁𝗲𝘀 𝗺𝗼𝘃𝗲𝗱 𝗵𝗶𝗴𝗵𝗲𝗿 👎
Mortgage rates continued to creep higher last week, helped along by rising oil prices and markets pricing in a possible Fed rate hike this month after Fed Chair Warsh's comments in Jackson Hole and stronger-than-expected jobs data.

𝗧𝗵𝗶𝘀 𝗪𝗲𝗲𝗸'𝘀 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗥𝗮𝘁𝗲 𝗙𝗼𝗿𝗲𝗰𝗮𝘀𝘁: 𝗥𝗮𝘁𝗲𝘀 𝗰𝗼𝘂𝗹𝗱 𝘄𝗼𝗿𝘀𝗲𝗻 👎
This week features a focus on inflation, and if it comes in higher than expected it will pressure rates higher. Rates will also be influenced by oil prices, which continue to rise. It looks likely that mortgage rates will continue to creep higher unless something unforeseen happens this week.

📈 𝗪𝗵𝗮𝘁’𝘀 𝗮𝗳𝗳𝗲𝗰𝘁𝗶𝗻𝗴 𝗿𝗮𝘁𝗲𝘀 𝘁𝗵𝗶𝘀 𝘄𝗲𝗲𝗸:
• The Fed: Mortgage rates currently reflect about a 60% chance of a Fed rate hike this month, and if inflation comes in hot, that could increase. Mortgage rates rise ahead of actual Fed rate hikes, so if markets anticipate a hike after this week's data, it will push mortgage rates higher to end the week.
• Inflation data: Wholesale inflation data comes out on Thursday, with consumer inflation data on Friday. If inflation comes in hotter than expected, it could push mortgage rates up to end the week.
• Oil: If oil prices continue to rise this week, it will pressure mortgage rates higher.

09/08/2026

Thinking about selling your current home so you can buy another one?
Don’t put that FOR SALE sign up just yet!

Your current home may have another option: Have you thought about turning it into a rental and using qualifying rental income to help you purchase your next home?

Before you sell, let’s look at the numbers and see what makes the most sense for your next move and your long-term wealth.

Ready to find out what you’re preapproved for? Let’s get started!

Bobbie Terry | Your Loans Girl
📞 817-455-2750
📧 [email protected]

Your Key to Generational Wealth! 🏡🔑💙

09/04/2026

REALTORS & BUILDERS:
Before you give up on a buyer who doesn’t fit the traditional lending box… send them my way.

Not every buyer fits neatly into conventional, FHA, VA, or USDA guidelines.
Keep in mind that “not this loan” doesn’t always mean “no loan.”

As a mortgage broker, I have access to creative and Non-QM financing solutions that can open additional paths for buyers with scenarios such as:

🔑 Self-employed borrowers with complex income
🔑 Real estate investors needing alternative financing options
🔑 Bank statement loan scenarios
🔑 DSCR & short-term rental investors
🔑 Borrowers who may not meet traditional credit requirements
🔑 Unique income, property, or documentation situations that need a different approach

My goal isn’t to force a buyer into a loan that doesn’t fit. It’s to determine whether there’s another responsible financing solution available.

So before you lose the buyer, the contract, or the new construction sale, refer the scenario. Let me take a second look.

🤝 Builders: Let’s find more ways to turn interested prospects into qualified buyers.
🏠 Realtors: Let’s keep more of your clients moving toward the closing table.

More options. More approvals. More closings for you.

👩🏽‍💻Bobbie Terry | Your Loans Girl
Mortgage Broker | NMLS #2284899
📞 817-455-2750
✉️ [email protected]

Have a tough scenario right now? Send it to me. Let’s see if there’s another way.

09/02/2026

😎 🍉 𝗛𝗮𝘃𝗲 𝗳𝘂𝗻 𝘁𝗵𝗶𝘀 𝘄𝗲𝗲𝗸𝗲𝗻𝗱! 🚤 🍦

08/31/2026

🏡 𝗙𝗼𝗿 𝘁𝗵𝗲 𝗪𝗲𝗲𝗸 𝗼𝗳 𝗔𝘂𝗴𝘂𝘀𝘁 𝟯𝟭, 𝟮𝟬𝟮𝟲

𝗟𝗮𝘀𝘁 𝗪𝗲𝗲𝗸'𝘀 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗥𝗮𝘁𝗲 𝗥𝗲𝗰𝗮𝗽: 𝗥𝗮𝘁𝗲𝘀 𝘀𝗹𝗶𝗴𝗵𝘁𝗹𝘆 𝘄𝗼𝗿𝘀𝗲 👎
Rates have been pretty stable this month but ended last week near their highest levels. Most borrowers wouldn't see a change in rate, but may see a difference in the credit or points needed to get that rate.

𝗧𝗵𝗶𝘀 𝗪𝗲𝗲𝗸'𝘀 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗥𝗮𝘁𝗲 𝗙𝗼𝗿𝗲𝗰𝗮𝘀𝘁: 𝗥𝗮𝘁𝗲𝘀 𝗰𝗼𝘂𝗹𝗱 𝘄𝗼𝗿𝘀𝗲𝗻 👎
Rates could move higher this week as oil prices rise on increased tensions in the Middle East and markets worry the Fed may hike rates at its next meeting. Any increase may be small, but it's tough to see rates moving much lower from here.

📈 𝗪𝗵𝗮𝘁’𝘀 𝗮𝗳𝗳𝗲𝗰𝘁𝗶𝗻𝗴 𝗿𝗮𝘁𝗲𝘀 𝘁𝗵𝗶𝘀 𝘄𝗲𝗲𝗸:
• The Fed: Fed Chair Warsh's Jackson Hole speech last week raised concerns that the Fed may hike rates as soon as the next Fed meeting in September to fight stubborn inflation. There is some concern the Fed may hike rates twice before the end of the year, despite upcoming midterm elections.
• Labor data: Several jobs reports come out this week, with Friday's BLS jobs report being the most important. The report will show how many jobs were created in August as well as the unemployment rate. Weak job numbers could help mortgage rates, while stronger numbers could increase the chances of a Fed rate hike in September.

08/26/2026

Starting a new job while buying a home? Here’s what I want you to know. 👇

Please talk to me before you put in your notice. 😅

Changing jobs doesn’t automatically mean you can’t buy a home, but the timing matters.

If you’re starting a new job, I’m going to need to know:

👉 When is your last day at your current job?
👉 When does the new job officially start?
👉 What will your new pay be?
👉 Are there any conditions you still have to complete?
👉 When are we planning to close?

Depending on your loan type, we may also need an offer letter and additional documentation before we can use that new income to qualify.

This is one of those situations where I’d much rather you call me before making the change than tell me after everything is already in motion. 😂

Changing jobs? Moving money around? Making a big purchase?

When you’re buying a home, keep your loan officer in the loop. A quick conversation can save us both a headache later. 🙌

08/24/2026

🇺🇸 VETERANS & ACTIVE-DUTY SERVICE MEMBERS: Before you put money down on a home… read this. 🏡

One of the biggest advantages you may have as a homebuyer is a benefit you’ve already earned: the VA home loan.

And it’s about much more than $0 down.

Things to consider are:

• No down payment may be required
• No monthly PMI
• Competitive interest rates
• No prepayment penalty
• More flexible credit guidelines than many buyers realize

That combination can mean less cash needed upfront and a more affordable path to homeownership compared with some other financing options.

Keep in mind that having VA eligibility and knowing how to strategically use it are two different things.

As a Certified Veterans Lending Specialist, I can help you understand your VA benefit, determine what you qualify for, and compare your options so you can make an informed decision—not just get a loan.

🎖️ You earned the benefit. Let’s make sure you know how to use it.

📲 Bobbie C. Terry | Mortgage Broker
Certified Veterans Lending Specialist

📞 817-455-2750
📧 [email protected]
📍 East Texas / DFW

NMLS #2284899 | Powered by Inclusive Lending, LLC

*** VA loan eligibility and approval are subject to VA and lender requirements. Not all borrowers will qualify. Equal Housing Opportunity.

Address

511 E. John Carpenter Freeway, Ste. 500
Irving, TX
75062

Website

http://bobbiecooperterrymortgage.com/

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Your Loans Girl: Bobbie Cooper Terry, Mortgage Broker - NMLS 2284899

09/09/2026

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