Janette Holland TX 160350/ FL LO 41173

Janette Holland TX 160350/ FL LO 41173 https://linktr.ee/jloan

Union Home Mortgage Corp NMLS #2229, LO NMLS #160350 TX #160350. Equal Housing Lender

05/08/2026

I’m a huge believer in Down Payment Assistance programs WHEN they make sense for the borrower.

But what most people don’t realize is:
✔️ Some are grants
✔️ Some are forgivable loans
✔️ Some require repayment later
✔️ Some can affect refinancing or selling your home

Here’s a short video about the truth most lenders don’t explain…

My job isn’t just to help people buy homes… it’s to make sure they fully understand what they’re signing up for.

If you or someone you know has everything in line but they are lacking some assets to get out of renting and becoming a homeowner, call me. I’m happy to help.
(817) 601-5456
www.TheJLoan.com
NMLS #160350


05/01/2026

Let’s be real…
“Buying a home with $0 in your bank account” is NOT how this works.

Here’s what most people don’t tell you about buying a home:

Before you even get the keys, seller concessions or down payment assistance, you will pay for:
✔️ Earnest money deposit
✔️ Option fee
✔️ Home inspection (and possibly more)
ALL UP FRONT.

And if the deal falls through… most of that money doesn’t come back to you and you start all over again with the next home.

Don’t let social media set you up to fail. There is a big difference between $0 money down and $0 money out of pocket.

A strong buyer isn’t just approved — they’re prepared.
And that makes all the difference in this market.

One thing you may have learned about me is since 2017 I have brought mortgage videos that tell you the truth because wholeheartedly I do not want you to fail. Let me help you be best prepared.

(817) 601-5456

NMLS #160350

04/22/2026

Most people have never heard of LLPAs… but they could be costing you thousands.

Here’s the part nobody really explains 👇

LLPAs (Loan-Level Price Adjustments) are how lenders price risk on your loan.
And it’s not just ONE factor—it’s multiple things that all work together.

👉 Credit score
👉 Down payment
👉 Debt-to-income ratio
👉 Occupancy (primary vs investment)
👉 Property type
👉 Loan purpose (purchase vs cash-out)
👉 Loan size

Now here’s where it gets real…

They don’t just apply individually—they STACK.

So if you have:
❌ Lower credit
❌ Minimal down payment
❌ Higher debt
❌ Investment property

You’re not just getting one adjustment… you’re layering multiple risk factors on top of each other.

And that can quietly increase your rate or closing costs by thousands.

This is why two buyers can look “similar” on paper—but one pays way more than the other.

It’s not luck. It’s not timing.
👉 It’s structure.

I don’t just quote rates—I help structure loans the RIGHT way so you’re not overpaying.

If you’re thinking about buying or refinancing and want to understand where you stand…

📲 Call/Text me: 817-601-5456
Janette Holland | NMLS #160350

04/06/2026

“Cash isn’t winning right now…” 🤔

I heard this from a realtor this week—and I couldn’t let that slide.

Truth is 👇
💰 Cash is STILL one of the strongest tools in real estate
…but it’s not always the best strategy for every buyer.

✔ Wins bidding wars
✔ Removes financing risk
✔ Closes FAST

But also…
⚠️ Ties up your money
⚠️ Limits leverage
⚠️ Isn’t always necessary

The real power?
👉 Knowing when to use cash—and when to use strategy.

That’s exactly what I help my clients do every day.

If you want to compete like a cash buyer WITHOUT draining your savings…

📲 Call/Text me: 817-601-5456
NMLS #160350

03/18/2026

Most people think just income and credit are what qualifies you for a home… but that’s not what lenders only look at👀

So what is it?

👉 It comes down to a number most people don’t even know they should be paying attention to.

In this video, I break down:
✔ What it is
✔ How it’s calculated
✔ And why it can make or break your approval

The truth is—you may be closer to buying a home than you think… or there may be a few small adjustments that can change everything.

And the best part?
There are loan programs that allow more flexibility than most people realize.

💬 If you’re even thinking about buying, let’s take a look at your numbers together and create a plan.

📲 Call or Text 817-601-5456
Janette Holland | NMLS #160350

RealEstateTips DebtToIncome MortgageExpert LoanOfficerLife

03/18/2026

Most people think just income and credit are what qualifies you for a home… but that’s not what lenders only look at👀

So what is it?

👉 It comes down to a number most people don’t even know they should be paying attention to.

In this video, I break down:
✔ What it is
✔ How it’s calculated
✔ And why it can make or break your approval

The truth is—you may be closer to buying a home than you think… or there may be a few small adjustments that can change everything.

And the best part?
There are loan programs that allow more flexibility than most people realize.

💬 If you’re even thinking about buying, let’s take a look at your numbers together and create a plan.

📲 Call or Text 817-601-5456
Janette Holland | NMLS #160350

RealEstateTips DebtToIncome MortgageExpert LoanOfficerLife

03/10/2026

🏡 Don’t skip the home you love just because it needs work.

With renovation loans, you may be able to finance repairs or upgrades directly into your mortgage instead of using credit cards or draining your savings.

Whether you’re buying a home or refinancing, these programs can help you turn an outdated property into the home you’ve been dreaming about.

✔ Purchase or Refinance
✔ FHA, VA & Conventional options
✔ Finance repairs, updates, or remodels

Want to see if this could work for you?

📲 Call or Text: 817-601-5456
Janette Holland | NMLS #160350

03/05/2026

In today’s market, monthly payment is the biggest concern for buyers, not just the purchase price.

Many sellers think lowering the price is the best way to help a buyer… but often a temporary rate buydown helps far more.

Let’s look at a real example:

📊 Option 1: Lower the price
Loan Amount: $440,000

📊 Option 2: Keep the price but offer a 2/1 Buydown
Loan Amount: $450,000

With a 2/1 buydown, the seller provides a credit that temporarily lowers the buyer’s interest rate:

✔ Year 1: Rate is 2% lower
✔ Year 2: Rate is 1% lower
✔ Year 3 onward: Fixed rate for the remainder of the loan

💡 What this does is dramatically reduce the buyer’s payment during the first two years, when homeowners are adjusting to their new expenses.

For many buyers this means:

✅ Hundreds of dollars lower monthly payment in Year 1
✅ Easier transition into homeownership
✅ More purchasing power
✅ Higher likelihood of qualifying

And here’s the surprising part…

👉 The seller cost to fund the buydown is often similar to a $10K price reduction, but the buyer feels a much bigger payment benefit.

In today’s market, creative financing strategies like this can be the difference between a listing sitting… or selling.

If you’re a buyer, seller, or realtor and want to see how a 2/1 buydown compares to price reductions, I’m happy to run the numbers.

📞 Call or text: 817-601-5456
📧 Email: [email protected]
NMLS #160350

03/03/2026

🩺🏡 ATTENTION DOCTORS, DENTISTS & MEDICAL PROFESSIONALS! 🏡🩺

You’ve dedicated your life to helping others. Now it’s time for a mortgage program designed specifically for YOU.

Introducing our Medical Professionals Home Loan Program — built to remove the common roadblocks physicians and specialists face when buying a home.

✨ Here’s what makes this program powerful:

✔️ 100% Financing Available – Yes, $0 Down Options
✔️ Up to $2,000,000 Loan Amounts
✔️ NO Mortgage Insurance Required
✔️ Fixed & ARM Options (15, 20, 25, 30-year terms)
✔️ Primary Residence Purchases & Rate/Term Refinances
✔️ Manual Underwrite – Real human review, not just an automated system

💡 Student Loans in Deferment?
If you’re in residency or fellowship, those payments may be excluded from your DTI.

👩‍⚕️👨‍⚕️ Eligible professionals include:
MD, DO, DDS, DMD, DPM, PharmD, CRNA, Veterinarians, Residents & Fellows and more.

This program understands:
• Delayed income due to schooling
• High student loan balances
• Contract-based employment
• Future projected income

You worked too hard to let traditional guidelines hold you back.

If you’re a medical professional ready to purchase or refinance your primary residence — let’s build a strategy around YOUR career path.

📲 Call or Text: 817-601-5456
📧 [email protected]
🌐 www.TheJLoan.com

NMLS #160350

03/02/2026

💡 What if your ASSETS—not your income—could qualify you for a home?

Have money in the bank…
But the bank says NO because you don’t show “traditional income”? 😩

You’re not alone.

✨ Introducing the Asset Utilization Loan ✨
A smart mortgage option that uses your eligible assets to calculate qualifying income.

No pay stubs.
No tax returns required.

Here is how it works:
📊 We take your total eligible assets
➗ Divide them over a set period
➡️ Create qualifying monthly income

👉 No need to liquidate or take distributions

This program is perfect for:
✔️ Retirees
✔️ High-net-worth individuals
✔️ Investors
✔️ Self-employed borrowers
✔️ W2 earners with strong assets

(No age restrictions 👀)

🔥 Why borrowers LOVE this loan:
✔️ As little as 10% down
✔️ NO mortgage insurance
✔️ Standard 30-year fixed options
✔️ Assets stay 100% yours
✔️ Can be combined with other income

💰 Assets may include:
✔️ Checking & savings
✔️ CDs
✔️ Investment accounts
✔️ Retirement funds
✔️ Certain cryptocurrency (case-by-case)(Detailed review required)

🚫 This is NOT a loophole
🚫 Assets are NOT collateralized
🚫 You are NOT required to withdraw funds

It’s simply a smarter way to show ability to repay.

💬 Think this might work for you?
Comment “ASSETS” or DM me “ASSET LOAN”
and let’s explore your options.

🏡 Sometimes the right loan makes all the difference.

NMLS #160350

(817) 601-5456
www.TheJLoan.com
[email protected]

For those of you who keep waiting for rates to drop... stop waiting. I am not saying eventually they won't or will...no ...
10/04/2024

For those of you who keep waiting for rates to drop... stop waiting. I am not saying eventually they won't or will...no one really knows this but look at chart over just this week and then look at it over the month. Fed Rate cutes do NOT affect mortgage rates. Do not float your rate. Lock it and love it like you do your spouse. Mortgage market is very cyclical..rates will rise, rates will fall, but in the 18 years I have done home loans only 2 of the 18 years had rates in the 2 percent range.

If you thinking of buying or refinancing, if it makes financial sense DO IT. To put this in perspective... on a $300k loan amount if rate was locked in at 6.5% and then rates drop to 6.0%, or jumps to 7.0 it is roughly a $100 swing up or down.
Statistics shows that most people will refinance at least once or twice or sell there home before 7 years is up....so what exactly are you waiting for?
for your HOME LOAN
(817) 601-5456
NMLS #160350

Address

8813 N Tarrant Pkwy #230
Keller, TX
76182

Opening Hours

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

Website

Alerts

Be the first to know and let us send you an email when Janette Holland TX 160350/ FL LO 41173 posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.

Contact The Business

Send a message to Janette Holland TX 160350/ FL LO 41173:

Shortcuts

Share

Category