Susan Adams Valor Home Loans

08/30/2026

08/19/2026

For a cleaner earnest money paper trail:



Pay from an account that can be documented
Keep the receipt or transfer confirmation
Save the canceled check when applicable
Tell the mortgage professional before using funds from another person


Third-party funds may require additional documentation, so ask before the deadline forces a rushed decision.

Save this before submitting your deposit.

Send it to someone who needs to see this

— If we haven’t met yet, I’m Susan Adams your go-to mortgage banker proudly serving clients nationwide with Texas heart (214) 783-6874

08/13/2026

🚨 WAIT… YOU DON’T HAVE TO BE A FIRST-TIME BUYER.

If you’ve been saying:

“I could afford the payment… I just don’t have enough cash to get into the house.”

👉 THIS is the part you need to know about.

There’s an FHA program called Arrive Home that may provide 3.5% toward your down payment — with no interest, and the assistance can be forgiven after 3 years of on-time mortgage payments.

And NO, you don’t have to be a first-time homebuyer.

✔️ Down to 600 FICO
✔️ Up to 57% DTI
✔️ Non-occupying co-borrowers allowed
✔️ No first-time buyer requirement

So before you decide, “I can't buy a house right now,” let's see if you actually qualify.

📲 Message me ARRIVE and I'll help you take a look.

Susan Adams | Mortgage Banker
Valor Home Loans
NMLS #2737039
(214) 783-6874
[email protected]

08/06/2026

🏡 Could the down payment be the only thing standing between you and homeownership?

Many buyers assume they need to save for years before purchasing a home. The truth is, there are down payment assistance programs that may help qualified buyers reduce the amount of cash needed to close. Even better, you do not have to be a first-time homebuyer to qualify.

Every situation is different, and eligibility depends on several factors, but it costs nothing to find out what options may be available to you.

If you've been thinking about buying a home—or know someone who has—I'd be happy to answer your questions and see if this program could be a good fit.

📞 Susan Adams
Mortgage Banker | Valor Home Loans
📲 (214) 783-6874

Buying a home may be closer than you think. Let's talk!

07/30/2026

🌎 Happy International Friendship Day!
Great friendships are built on trust, support, and showing up when it matters most-the same values we bring to every homebuying journey. ❤️