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Marissa Cantu, Mortgage Loan Officer, Nmls#2329977

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United States
League City, TX
Marissa Cantu, Mortgage Loan Officer, Nmls#2329977

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Houston based Mortgage Loan Originator specializing in FHA, Conventional, VA , down payment assistance and creative financing solutions.

Helping first time homebuyers and homeowners across Texas secure competitive financing options ✨ BOLT NMLS #2583440

11/03/2026

Closing costs — the #1 surprise for first-time buyers. 📋 Here's the full breakdown. (Swipe!)

Closing costs are fees you pay on top of your down payment to finalize the purchase of your home. They typically run 2–5% of the purchase price.

On a $350,000 home, that's roughly $7,000–$17,500.

LENDER FEES:
Origination fee — what your lender charges to process the loan
Underwriting fee — cost of reviewing and approving your file
Discount points — optional, if you choose to buy your rate down

THIRD-PARTY FEES:
Title search and title insurance · Appraisal fee ($500–$700) · Home inspection ($300–$500) · Attorney or settlement fees · Recording fees

PREPAID ITEMS:
First year of homeowner's insurance · Property taxes (prorated) · Prepaid interest

GOOD NEWS: Sellers can contribute toward closing costs — up to 3% on conventional, up to 6% on FHA.

DM me "HOME" and I'll give you a real estimate before you write your first offer 💙

Marissa Cantu | Mortgage Loan Originator
Bolt Mortgage | 346.214.5460
NMLS #2329977 | BOLT NMLS #2583440

11/02/2026

November is the month. December is for keys. 🔑

Offer this month → close in 30–45 days → keys before Christmas.

The window is open. But it won't be for long.

If you want to close before the year ends — the conversation starts this week.

DM me "HOME" and let's make it happen 💙

Marissa Cantu | Mortgage Loan Originator
Bolt Mortgage | 346.214.5460
NMLS #2329977 | BOLT NMLS #2583440

10/30/2026

Final October weekend — and Christmas closing season is still very much open. 🍂🔑

Offer by November 1 → 30–45 day close → keys before Christmas ✅

This weekend:
📊 Numbers on any listing you love
✅ Pre-approval — same day, free
🎄 Christmas close? Offer by Nov 1
🔑 Let's close this year

📲 346.214.5460
💌 DM me "HOME" — fast weekend response

What are you touring this weekend? 👇

Marissa Cantu | Mortgage Loan Originator
Bolt Mortgage | 346.214.5460
NMLS #2329977 | BOLT NMLS #2583440

10/29/2026

How to make a strong offer in a competitive Houston market. 🏡 (Swipe — these work)

1. COME WITH A FULLY DOCUMENTED PRE-APPROVAL
Not a pre-qual. A real pre-approval with verified income, assets, and credit. Sellers and listing agents know the difference — and it signals your financing will actually close. A weak letter from an unknown lender raises questions before the negotiation even starts.

2. WRITE A CLEAN OFFER
Fewer contingencies where appropriate, a reasonable closing date, and solid earnest money. Clean offers are easier to say yes to — even at a lower price than a messy one. Talk to your agent before removing any contingency so you understand the risk first.

3. ASK WHAT THE SELLER ACTUALLY NEEDS
Fast close? Leaseback time? A specific date on the calendar? Your agent should find out before you write the offer. Accommodating what the seller needs can win the deal at a lower price than ignoring it.

4. MOVE FAST
Good homes in Houston don't sit. If you tour it and love it — make the decision that same day. Being pre-approved means you can move the moment you're ready. Waiting 24 hours to 'sleep on it' often means losing it.

THE MINDSET: A strong offer isn't always the highest offer. It's the most complete, most credible, most seller-friendly offer on the table.

DM me "HOME" and let's write one they can't say no to 💙

Marissa Cantu | Mortgage Loan Originator
Bolt Mortgage | 346.214.5460
NMLS #2329977 | BOLT NMLS #2583440

10/28/2026

A love letter to every buyer who almost gave up. 💙

To the buyer who had three offers rejected.
To the one who got clear to close and then the deal fell through.
To the one who has been 'almost ready' for two years.
To the one who cried in the car after losing the house they loved.

You haven't failed. You haven't missed it. You're still in it.

The path to homeownership is rarely a straight line. It's more often a series of near-misses, setbacks, and moments where you question whether it's worth it.

It is.

I have seen buyers close on their dream home after 6 rejections, a fallen deal, and a 3-year search.

Keep going. I'm right here.

DM me "HOME" when you're ready to try again 💙

Marissa Cantu | Mortgage Loan Originator
Bolt Mortgage | 346.214.5460
NMLS #2329977 | BOLT NMLS #2583440

10/27/2026

What is a rate lock — and when should you lock yours? 📊 (Swipe!)

Most buyers don't think about this until they're already in the middle of the process. Here's what you need to know before that moment hits.

THE THING MOST PEOPLE DON'T REALIZE:
Without a rate lock, the rate you were quoted is not guaranteed.
If rates rise between your application and your closing date — you pay the higher rate.

A rate lock is typically free. But locking too early or too late both have real costs.

THE FLOAT DOWN OPTION:
Some lenders offer a float down — if rates drop after you lock, you can take the lower rate once. Always ask about this.

MY APPROACH:
I help every client choose the right lock timing based on their closing date and where rates are moving. You don't have to figure this out alone.

DM me "RATE" and let's time yours right 💙

Marissa Cantu | Mortgage Loan Originator
Bolt Mortgage | 346.214.5460
NMLS #2329977 | BOLT NMLS #2583440

10/26/2026

November keys. It's not too late.

Offer this week → close by November 28.
The timeline still works.

Most buyers who feel like they've 'missed it' are actually still in the window.

All it takes is one conversation to find out.

DM me "HOME" this week 💙

Marissa Cantu | Mortgage Loan Originator
Bolt Mortgage | 346.214.5460
NMLS #2329977 | BOLT NMLS #2583440

10/23/2026

Friday — and if Thanksgiving closing passed you by, Christmas is still very much on the table. 🎄🔑

Offer by Nov 1 → 30–45 day close → keys before Christmas ✅

This weekend:
📊 Numbers on any listing you love — 15 minutes
✅ Pre-approval — same day, free
🎄 Targeting a Christmas close? Let's build your exact timeline
🔑 Let's move this weekend

📲 346.214.5460
💌 DM me "HOME" — I respond fast

What are you shopping this weekend? 👇

Marissa Cantu | Mortgage Loan Originator
Bolt Mortgage | 346.214.5460
NMLS #2329977 | BOLT NMLS #2583440

10/22/2026

5 documents to have ready before you apply for a mortgage. 📋 (Save this — it makes everything faster)

📄 1. Last 2 years of W2s or 1099s
(If self-employed: 2 years of business + personal tax returns)

💰 2. Last 2 months of bank statements — ALL pages
(Even the blank ones. Yes, really.)

📊 3. Last 30 days of pay stubs

🪪 4. Government-issued photo ID

🏠 5. Addresses of all properties you've owned in the last 2 years

Have all five of these ready when you reach out and I can have your pre-approval back same day.

DM me "HOME" and let's get started 💙

Marissa Cantu | Mortgage Loan Originator
Bolt Mortgage | 346.214.5460
NMLS #2329977 | BOLT NMLS #2583440

Address

4440 West Main Street
League City, TX
77573

Opening Hours

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

Telephone

+13462145460

Website

http://www.boltmortgage.com/marissa/

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