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Parker and Clark Mortgage Company

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United States
Katy, TX
Parker and Clark Mortgage Company

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

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. We've got great news...When you're ready, the next step in getting a low rate mortgage made easy is to contact us so we can review your unique situation and make sure that you get a low rate mortgage without the stress and hassle.

06/01/2026

🏡 𝗙𝗼𝗿 𝘁𝗵𝗲 𝗪𝗲𝗲𝗸 𝗼𝗳 𝗝𝘂𝗻𝗲 𝟭, 𝟮𝟬𝟮𝟲

𝗟𝗮𝘀𝘁 𝗪𝗲𝗲𝗸'𝘀 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗥𝗮𝘁𝗲 𝗥𝗲𝗰𝗮𝗽: 𝗥𝗮𝘁𝗲𝘀 𝗺𝗼𝘃𝗲𝗱 𝗹𝗼𝘄𝗲𝗿 👍
Rates fell for a second straight week, although the improvement was modest as peace talks with Iran continued to drag on without a final resolution. All other factors continued to take a back seat, with mortgage rates reacting almost solely to events in the Middle East.

𝗧𝗵𝗶𝘀 𝗪𝗲𝗲𝗸'𝘀 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗥𝗮𝘁𝗲 𝗙𝗼𝗿𝗲𝗰𝗮𝘀𝘁: 𝗥𝗮𝘁𝗲𝘀 𝗰𝗼𝘂𝗹𝗱 𝗯𝗲 𝘃𝗼𝗹𝗮𝘁𝗶𝗹𝗲 ⚠️
Rates will continue reacting to headlines about a potential peace deal with Iran, and that news was already volatile this morning. Unconfirmed reports that Iran may walk away from negotiations and fully block the Strait of Hormuz pushed mortgage rates higher to start the week. With markets closely tracking developments in the Middle East, rates will likely remain difficult to predict this week.

📈 𝗪𝗵𝗮𝘁’𝘀 𝗮𝗳𝗳𝗲𝗰𝘁𝗶𝗻𝗴 𝗿𝗮𝘁𝗲𝘀 𝘁𝗵𝗶𝘀 𝘄𝗲𝗲𝗸:
• The Middle East: Mortgage rates will continue to react to headlines about peace deal negotiations. When oil prices fall, rates tend to improve. When oil prices rise, rates tend to move higher. Expect some day-to-day volatility, and even changes during the day, as markets respond to new developments.
• Economic data: Although this is a big week for labor market data, it is unlikely the data will have as much impact on mortgage rates as usual.

05/27/2026

When you’re self-employed...

The income you show on your taxes matters, not just what you make in real life.

Writing everything off can lower your tax bill…
…but it can also limit your buying power when it’s time to get a mortgage.

This is why planning before you’re house hunting makes such a difference.
If you’re self-employed and considering buying, I'd be happy to discuss what mortgage professionals actually look at. So you can plan for it.

05/26/2026

🏡 𝗙𝗼𝗿 𝘁𝗵𝗲 𝗪𝗲𝗲𝗸 𝗼𝗳 𝗠𝗮𝘆 𝟮𝟱, 𝟮𝟬𝟮𝟲

𝗟𝗮𝘀𝘁 𝗪𝗲𝗲𝗸'𝘀 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗥𝗮𝘁𝗲 𝗥𝗲𝗰𝗮𝗽: 𝗥𝗮𝘁𝗲𝘀 𝗺𝗼𝘃𝗲𝗱 𝗹𝗼𝘄𝗲𝗿 👍
Rates pushed to the highest levels this year on Tuesday, but then moved lower after news broke that negotiations with Iran were progressing.

𝗧𝗵𝗶𝘀 𝗪𝗲𝗲𝗸'𝘀 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗥𝗮𝘁𝗲 𝗙𝗼𝗿𝗲𝗰𝗮𝘀𝘁: 𝗥𝗮𝘁𝗲𝘀 𝗰𝗼𝘂𝗹𝗱 𝗰𝗼𝗻𝘁𝗶𝗻𝘂𝗲 𝘁𝗼 𝗶𝗺𝗽𝗿𝗼𝘃𝗲 👍
Rates will continue to track oil prices and follow headlines about a deal with Iran that could reopen the Strait of Hormuz. Minor military skirmishes aren’t likely to hurt rates as long as they don’t derail negotiations, but if the ceasefire were to end, we would see rates jump.

📈 𝗪𝗵𝗮𝘁’𝘀 𝗮𝗳𝗳𝗲𝗰𝘁𝗶𝗻𝗴 𝗿𝗮𝘁𝗲𝘀 𝘁𝗵𝗶𝘀 𝘄𝗲𝗲𝗸:
• The Middle East: Peace talks continue with Iran, albeit slowly, as both sides push for concessions and compromises. The Strait of Hormuz remains closed to commercial traffic, and we are not likely to see mortgage rates move significantly lower from here until it reopens, though we could see modest improvement from recent highs.
• The Fed: Markets expect the Fed will be unable to cut rates this year and may even have to hike, as inflation continues to worry investors and traders.
• Economic data: It's a holiday-shortened week, but Thursday brings a few reports, including some inflation data. However, they shouldn’t cause any big moves in rates.

05/20/2026

🏡 You got the keys… now what?

Most people focus on moving boxes in.
But the first 24–48 hours in your new home can save you from expensive problems later.

Here are a few things every new homeowner should do ASAP👇

🔐 Change the locks
You never know who still has an old key.

🧼 Deep clean before unpacking
Way easier before furniture fills the rooms.

🚰 Find your main water shut-off valve
If a pipe ever bursts, this matters FAST.

🚨 Test smoke & CO detectors
A quick battery check can protect your family.

📂 Start a “home binder.”
Keep warranties, paint colors, appliance info, and repair receipts all in one place.

💰 Build a small home maintenance fund
Because eventually… something will break.

Buying a home is exciting, but knowing how to take care of it is what helps you feel confident in it.

Thinking about buying soon? Send me a DM, and I’ll help you with the process or answer any questions you have.

05/18/2026

🏡 𝗙𝗼𝗿 𝘁𝗵𝗲 𝗪𝗲𝗲𝗸 𝗼𝗳 𝗠𝗮𝘆 𝟭𝟴, 𝟮𝟬𝟮𝟲

𝗟𝗮𝘀𝘁 𝗪𝗲𝗲𝗸'𝘀 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗥𝗮𝘁𝗲 𝗥𝗲𝗰𝗮𝗽: 𝗥𝗮𝘁𝗲𝘀 𝗺𝗼𝘃𝗲𝗱 𝗵𝗶𝗴𝗵𝗲𝗿 👎
Rates moved higher last week, reflecting global market concerns about persistently high oil and energy costs and rising wholesale and consumer inflation. Although not yet reflected in mainstream media, mortgage rates ended the week averaging the highest levels of the year.

𝗧𝗵𝗶𝘀 𝗪𝗲𝗲𝗸'𝘀 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗥𝗮𝘁𝗲 𝗙𝗼𝗿𝗲𝗰𝗮𝘀𝘁: 𝗥𝗮𝘁𝗲𝘀 𝗰𝗼𝘂𝗹𝗱 𝗺𝗼𝘃𝗲 𝗵𝗶𝗴𝗵𝗲𝗿 👎
Rates are likely to move higher this week, and in the foreseeable future, unless a peaceful resolution is reached with Iran that reopens the Strait of Hormuz. The longer this drags on, the worse it could get for mortgage rates from here.

📈 𝗪𝗵𝗮𝘁’𝘀 𝗮𝗳𝗳𝗲𝗰𝘁𝗶𝗻𝗴 𝗿𝗮𝘁𝗲𝘀 𝘁𝗵𝗶𝘀 𝘄𝗲𝗲𝗸:
• The Middle East: Peace talks continue with Iran, albeit slowly, as both sides push for concessions and compromises. The Strait of Hormuz remains closed to commercial traffic, and we are not likely to see mortgage rates move much lower from here until it reopens.
• The Fed: Although newly confirmed Fed Chair Kevin Warsh replaced Jerome Powell and was expected to help lower the Fed's policy rate, markets now see a rate hike this year as more likely than any cuts due to rising inflation and a resilient labor market.
• Economic data: There is little data that will affect rates this week.

05/13/2026

I see it all the time… 😬

A buyer falls in love with a home, then loses it because they financed a new car the week before closing. Or they skipped the pre-approval and got beat by a stronger offer.

Don't let that be you.

Here are 3 things every first-time buyer should know BEFORE house hunting 👆

Save this post. Share it with someone shopping for their first home. And when you're ready or have questions, I'm here.

05/11/2026

🏡 𝗙𝗼𝗿 𝘁𝗵𝗲 𝗪𝗲𝗲𝗸 𝗼𝗳 𝗠𝗮𝘆 𝟭𝟭, 𝟮𝟬𝟮𝟲

𝗟𝗮𝘀𝘁 𝗪𝗲𝗲𝗸'𝘀 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗥𝗮𝘁𝗲 𝗥𝗲𝗰𝗮𝗽: 𝗥𝗮𝘁𝗲𝘀 𝘄𝗲𝗿𝗲 𝘂𝗻𝗰𝗵𝗮𝗻𝗴𝗲𝗱 👍
Rates fluctuated through the week last week as markets reacted to headlines about peace talks with Iran, but ended the week basically unchanged from the previous week. Jobs data through the week showed a resilient labor market that isn't likely to require the Fed to make any cuts to policy rates anytime soon.

𝗧𝗵𝗶𝘀 𝗪𝗲𝗲𝗸'𝘀 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗥𝗮𝘁𝗲 𝗙𝗼𝗿𝗲𝗰𝗮𝘀𝘁: 𝗥𝗮𝘁𝗲𝘀 𝗰𝗼𝘂𝗹𝗱 𝗿𝗲𝗺𝗮𝗶𝗻 𝗲𝗹𝗲𝘃𝗮𝘁𝗲𝗱 👎
Rates will continue to react to news out of the Middle East, but aren’t likely to move much lower until there is a resolution with Iran and the Strait of Hormuz reopens to commercial traffic, bringing oil prices back down. Rates will also respond to both wholesale and consumer inflation data this week.

📈 𝗪𝗵𝗮𝘁’𝘀 𝗮𝗳𝗳𝗲𝗰𝘁𝗶𝗻𝗴 𝗿𝗮𝘁𝗲𝘀 𝘁𝗵𝗶𝘀 𝘄𝗲𝗲𝗸:
• The Middle East: Peace talks continue with Iran, as both sides fight for all concessions and compromises. The Strait of Hormuz remains closed to commercial traffic, and we are not likely to see mortgage rates move much lower from here until it reopens.
• Economic data: This week brings wholesale and consumer inflation data, which normally would be the main focus. However, all economic data now takes a back seat to the headlines about peace talks with Iran.

05/04/2026

🏡 𝗙𝗼𝗿 𝘁𝗵𝗲 𝗪𝗲𝗲𝗸 𝗼𝗳 𝗠𝗮𝘆 𝟰, 𝟮𝟬𝟮𝟲

𝗟𝗮𝘀𝘁 𝗪𝗲𝗲𝗸'𝘀 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗥𝗮𝘁𝗲 𝗥𝗲𝗰𝗮𝗽: 𝗥𝗮𝘁𝗲𝘀 𝗺𝗼𝘃𝗲𝗱 𝗵𝗶𝗴𝗵𝗲𝗿 👎
Rates continued to creep higher last week as the Strait of Hormuz remained closed and oil prices spiked to the highest levels since March 2022. The increased costs of gas and oil are inflationary, and put pressure on mortgage rates. There was surprisingly little reaction in rates to the Fed meeting and press conference.

𝗧𝗵𝗶𝘀 𝗪𝗲𝗲𝗸'𝘀 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗥𝗮𝘁𝗲 𝗙𝗼𝗿𝗲𝗰𝗮𝘀𝘁: 𝗥𝗮𝘁𝗲𝘀 𝗰𝗼𝘂𝗹𝗱 𝗿𝗲𝗺𝗮𝗶𝗻 𝗲𝗹𝗲𝘃𝗮𝘁𝗲𝗱 👎
Rates this week will react to news out of the Middle East, but aren’t likely to move much lower until there is a resolution with Iran and the Strait of Hormuz reopens to commercial traffic, bringing oil prices back down. Rates will also respond to labor market data this week, with multiple reports throughout the week.

📈 𝗪𝗵𝗮𝘁’𝘀 𝗮𝗳𝗳𝗲𝗰𝘁𝗶𝗻𝗴 𝗿𝗮𝘁𝗲𝘀 𝘁𝗵𝗶𝘀 𝘄𝗲𝗲𝗸:
• The Middle East: The conflict with Iran continues to drag on without a resolution in sight, with negotiations stalling. The Strait of Hormuz remains closed to commercial traffic, and we are not likely to see mortgage rates move much lower from here until it reopens.
• Economic data: This week brings data on layoffs, job growth, and unemployment figures. Friday's BLS jobs data has the highest chance of impacting rates for the week.

04/29/2026

7 Steps to Buying a Home (simple version) 🏡👇

1. Save your money 💰
You’ll need more than just a down payment.
👉 Examples:
$200K home ≈ ~$17K saved
$250K home ≈ ~$20K saved
$600K home ≈ ~$41K saved

2. Get clear ✍️
Know what you can afford + what you want.
What monthly payment feels okay?
Pick your top 3 must-haves + areas

3. Get a good agent 🤝
Find someone who knows your area and helps buyers like you. I can recommend some if you need.

4. Talk to a Mortgage Pro 🏦
They tell you your real budget (not a guess).
Ask me about monthly payments + closing costs.

5. Start looking 🔍
Look at homes early — about 4 months before you need to move.

6. Make an offer 📝
Your agent helps you win the deal.
Then you do an inspection + lock in your loan.

7. Get your keys 🔑
It takes about 1–2 months after your offer is accepted.

DM me “HOME STEPS,” and I’ll help you get started :)

Address

5701 4th Street #33
Katy, TX
77488

Opening Hours

Monday	9am - 6pm
Tuesday	9am - 6pm
Wednesday	9am - 5pm
Thursday	9am - 6pm
Friday	9am - 6pm

Telephone

+12818102771

Website

http://www.parkerandclarkmortgage.com/

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