Derick Johnson - Fairway Independent Mortgage Corporation

02/08/2026

01/22/2026

Most credit cards reward flights and hotel stays ✈️
But what if your next goal isn’t a vacation… it’s a home? 🏡

Fairway Home Mortgage now offers the MADE Card — a credit card designed with future homebuyers in mind. Instead of travel points, you earn rewards that can be used toward closing costs on a future home purchase or refinance.

That means your everyday spending (gas, groceries, etc) can help you get closer to homeownership — even if you’re not ready to buy just yet.

It’s a great option for first-time buyers who want to:
✔ Build credit
✔ Start saving for closing costs
✔ Prepare financially ahead of time

But that's not even the best part. You earn points by linking the card to your current mortgage and earn points passively just by paying your mortgage payment month to month. You aren't paying your mortgage WITH the card, but by having it linked to your mortgage and making payments the way you already do, you earn points!

Most cardholders earn over $1,000 per year in points that can be used towards closing cost credits, cash back, gift cards, etc, and the points NEVER expire, and there’s NO annual fee.

Curious? Message me and I’ll send you the details 😊

10/27/2025

📉 About That Upcoming Fed Rate Cut…

There’s been a lot of buzz lately about the Fed planning to cut rates soon — and many people are waiting for that announcement before making a move on buying a home or refinancing.

But here’s the reality: Mortgage rates don’t move in lockstep with the Fed rate. Mortgage rates are influenced more by long-term bond markets (especially the 10-year Treasury yield) and, most importantly, by what investors expect the Fed to do in the future.

💡 That means the mortgage market is forward-looking. So if everyone already expects the Fed to cut rates, lenders have often already priced in that change weeks or even months ahead of time.

By the time you see the headlines that say “FED CUTS RATES”, mortgage rates may have already dropped — or even started to rise again if the market sees different signals ahead.

🏡 The takeaway: Don’t wait on the Fed announcement to start your plans. If you’re serious about buying or refinancing, focus on what the market is doing now, not just what’s being talked about on the news.

It’s all about timing — and being informed helps you stay one step ahead of the crowd. If you have been planning on buying or refinancing but are not sure where to start, please reach out to me at 254-394-2863 and let's get your questions answered!

10/22/2025

🚨 Attention Realtors 🚨

It's that time again to start signing up for our next Killeen Property Tour. The next one is being held Tuesday on October 28th starting from our office at 8:45am. If you have a property that you want some more exposure on and to receive some great feedback from other realtors, please sign up asap before it fills up.

If you don't have a property but would like to join the tour to help provide feedback or possibly find a property matching the needs of one of you buyer clients, we would love to have you join as well!

Reach out to me directly at 254-394-2863 if you have any questions, I can also get you signed up for you if needed! Can't wait to hear from you!

https://www.eventbrite.com/e/property-tours-of-killeen-tickets-1411183240059?fbclid=IwY2xjawLRA0ZleHRuA2FlbQIxMQBicmlkETFnUUd0d0diaEN6Uko5blpXAR6htyCCsv9vNBrDZ1c7l7bfK7UQ0uUy09OHMok4rn5_edDoU5fwC7xIk_chbw_aem_9M2ro5HY007LF62nfuMXTQ

Join The Wood Group of Fairway and other real estate professionals for breakfast and a tour of local Central Texas properties!

10/21/2025

Helping this couple with their 2nd investment property purchase in 6 months, both with the assistance of Denise Galvez- Century 21 Randall Morris & Associates , was an absolute pleasure!

If you are interested in getting started on your first investment property or are a seasoned investor looking to expand your portfolio, reach out today let's get started!

Just Sold! 🏡 These buyers were able to secure their second investment home this year! 🙌🏽 They decided to invest in themselves and made a great buy! If your looking to invest in yourself also, lets chat!

Thank you Derick Johnson - Fairway Independent Mortgage Corporation for another smooth and fast transaction!

➡️ Looking to BUY but don’t know where to start?! Contact me now and I will send you my buyers guide and help you navigate the steps to future homeownership!! 🏡💕

➡️If you are interested in what your home could possibly SELL for in this market? Contact me for a free personalized comparative market analysis!! 🏡🪧

🗺️Covering the Central Texas area including Round Rock, Austin, Georgetown, Hutto, Jarrell, San Marcos, Killeen, Harker Heights, Copperas Cove, Temple, Fort Cavazos and surrounding areas

Denise Galvez, REALTOR®
Your Friendly Neighborhood Realtor!! 🙂
Century 21 Randall Morris & Associates
Galvezteam.com
(254)681-0556 💕

bueer

10/16/2025

🍁🏡 Want to Be in a New Home by Thanksgiving? Start NOW! 🦃✨
If you’ve been thinking about buying a home this year, here’s your friendly reminder that NOW is the perfect time to start the process — especially if you want to be moved in and settled before the holidays!
Here’s why:

✅ Typical Closings Take 21-30 Days
Starting your home search now gives you plenty of time to find the right place, get through inspections and closing, and still have time to unpack before the turkey hits the table.

✅ Motivated Sellers
Fall is a great time to buy — there are fewer buyers competing, and sellers are often eager to close before year-end. That means more negotiation power for you!

✅ Settle in Before the Holidays
Imagine hosting your first Thanksgiving or cozying up in your new living room this winter. Starting now means you’ll be home for the holidays — literally.

🎯 Ready to make your move? Let’s connect, get you preapproved, and start the search — your dream home (and Thanksgiving dinner) are waiting!

10/15/2025

🚨 Homebuyers — Don’t Skip This First Step! 🚨

Before you start scrolling through listings or calling a realtor, there’s one thing you should definitely do first: GET PREAPPROVED FOR A MORTGAGE

Here’s why it’s a game-changer 👇

💵 Know Exactly What You Can Afford

No more guessing games. A Preapproval shows you what price range you should be shopping in — saving time and avoiding disappointment.

📄 Shows You’re a Serious Buyer

In a competitive market, sellers (and realtors) want to know you're ready to go. A preapproval letter proves that you have financing lined up and you're not just browsing.

⏱️ Saves Everyone Time

Realtors love working with buyers who are ready. You’ll get better service and a smoother experience when everyone’s on the same page from the start.

🛑 MOST IMPORTANTLY - Avoid Surprises Later

Getting preapproved can uncover any issues with your credit. finances, etc before you're going under contract on a home. This gives you time to fix things if needed, making the entire process go much smoother.

🎯 Bottom line: A Preapproval puts you in control and sets the tone for a successful home buying journey.

Need help getting started? I’ve got your back — just send me a message and I'll be happy to answer any questions you have!

09/27/2025

✨ Open House today and tomorrow in Killeen! ✨

📍 170 Circle Dr • Killeen
📆 September 27 and 28
⏰ 11:30 AM to 2:30 PM
🛏 3 Bedrooms | 🛁 2 Bathrooms | 📐 42x40 Barndominium

Welcome to a one-of-a-kind barndominium that perfectly blends rustic charm and modern comfort! Step inside to find:
🔥 Cozy built-in fireplace
💡 Remote-controlled fans & lights
🧺 Washer & dryer included for move-in ease
🌳 Over half an acre with no HOA or restrictions

All in a quiet, established neighborhood with plenty of room to grow and truly make it your own.

📅 Don’t miss your chance to tour this unique property during our open house!

Contact ANGELA MEDINA 👇
📩 [email protected]
☎️ 254.371.0773
🌍 www.TheBaskervilleGroup.com

09/05/2025

🚨 MORTGAGE RATES IN THE 5's🚨

Reach out to me at 254-394-2863 and get your questions asked!

08/06/2025

Congratulations to Mr.Hicks for closing on his new home today!

A big thanks to his realtor Denise for all that you do, always a pleasure working with you!

07/21/2025

Congrats to my VA first-time homebuyer on the purchase of their new home!

Thank you Martayvias for the referral and congratulations on your first deal!

And thanks as always Poise Title Company for helping make everything a smooth process!






The Wood Group of Fairway