Brandon West - Mortgage Broker and Residential Loan Officer

Brandon West - Mortgage Broker and Residential Loan Officer Mortgage Broker and Residential Lending Services
NMLS # 2682756.

10/27/2025

Buying a House? Applying for a loan? Here are 3 tips to get your credit in the best shape before you apply!

Be careful y’all!!
10/16/2025

Be careful y’all!!

Come one, come all. If you need a loan for your brand new Texas home, then we’ve got the rates lower than a rattlesnakes...
10/13/2025

Come one, come all. If you need a loan for your brand new Texas home, then we’ve got the rates lower than a rattlesnakes belly, so you can keep more cash in your boots than a bull rider.

If you like muscle cars, hot rods, and vintage drag cars - I highly recommend this event. Just 1hr north of Austin in a ...
10/07/2025

If you like muscle cars, hot rods, and vintage drag cars - I highly recommend this event. Just 1hr north of Austin in a cool town called

The most authentic Mexican Breakfast you can get. Underground farm to table restaurants in Central Texas, for the true a...
10/05/2025

The most authentic Mexican Breakfast you can get. Underground farm to table restaurants in Central Texas, for the true authentic barbacoa and menudo experience🇲🇽

Marble Falls is a great place to invest in a 2nd Home, Vacation home, Airbnb, etc. Lots of great local community events....
10/05/2025

Marble Falls is a great place to invest in a 2nd Home, Vacation home, Airbnb, etc. Lots of great local community events. My personal favorite is the Annual Car Show in Downtown Marble Falls. Great event to kick off the Fall Season!

Realtor Safety is something many people do t bring enough awareness to! Come join and others Wednesday Oct 8th for a...
10/03/2025

Realtor Safety is something many people do t bring enough awareness to! Come join and others Wednesday Oct 8th for a great class to learn what you can do to protect yourself and stay safe! Details in image. If you know a Realtor, or have a family member who is a Realtor please like, comment and share!

Home Renovation Loans! Do you need to upgrade your home, tap into equity, or make repairs? A Home Renovation Loan coul...
09/29/2025

Home Renovation Loans! Do you need to upgrade your home, tap into equity, or make repairs? A Home Renovation Loan could help you accomplish all of the above! DM for more details

A Good Mortgage Broker should be presenting multiple options, loan programs, and strategies to get lower interest rates....
09/26/2025

A Good Mortgage Broker should be presenting multiple options, loan programs, and strategies to get lower interest rates. If they are not, you’re not working with some one who has your best “interest” as their number one priority.

💼 Mortgage Pro Tip for Business Owners or Self Employed 📑💼 Here’s What Banks and Lenders Look For on Tax Returns 📑Gettin...
09/25/2025

💼 Mortgage Pro Tip for Business Owners or Self Employed 📑

💼 Here’s What Banks and Lenders Look For on Tax Returns 📑

Getting a mortgage when you’re self-employed or own a business works a little differently. Most lenders require:

✅ 2 Years of Tax Returns – Both personal & business returns to show stable income.
- In most cases Lenders take the average of the last 2 years.

✅ Profit & Loss Statements – To confirm your current year matches past performance.

✅ Consistency Matters – Lenders average your last 2 years of income. If your most recent year is lower by 20% or more, that lower number usually drives the approval.
- Banks and Lenders look for income being "consistent or likely to increase."
- For this reason, its helpful to consider a tax planning strategy for the year or time you plan on purchasing a new home.

✅ Add-Backs Can Help – Certain write-offs like depreciation or mileage may be added back to increase qualifying income.
- If you have large expenses like vehicles, large equipment, etc. you can "Depreciate" those large expenses which can help to keep qualifying income up, while still taking advantage of potential tax benefits.

Pro Tips:

💡 The way you file taxes impacts how much home you qualify for. Too many write-offs = lower qualifying income.

💡 As Oct 15th approaches, many lenders may require you file your return before Oct 15th.

💡 Many self employe'd people like to benefit from increased write offs, however, in the year you are planning to purchase a home, you may want to reconsider how you file.

💡 There are other loan program options like Bank Statement Loans which can help calculate qualifying income another way and can sometimes increase the amount of qualifying income.

📑 Let’s review your returns early so you’re ready to buy when the right property comes up. 📑

🏡 Planning on Buying a home in early 2026?Why Taking advantage of Home Pricing Dip in Fall/Winter is a Smarter Time to B...
09/23/2025

🏡 Planning on Buying a home in early 2026?

Why Taking advantage of Home Pricing Dip in Fall/Winter is a Smarter Time to Buy!

Everyone is waiting for rates to drop further… but here’s the catch:

📉 Rates are already lower today compared to just a few months ago. In Fact, rates are lower today than they have been 80% of the time since 1980!

📈 When rates drop further, demand spikes — and home prices usually rise.

💰 That means waiting could cost you more: a lower rate, but a higher purchase price. Here is an Example:

🏡Assume a baseline of $500k at a 5.75% interest rate - Payment would be approx $3751, with a 2% prop tax.

💰 - 5.50% at a purchase price of $510,745 = $3751/mo
💰 - 5.25% at a purchase price of $521,818 = $3751/mo
💰 - 5.00% at a purchase price of $533,228 = $3751/mo

What does this mean to Buyers?
📈 - In this example price range - For every .25% rate drop, if the purchase increases by just 2% the benefit of the rate drop is effectively eliminated with respect to monthly payment.

💡 Buying now lets you lock in at today’s rates BEFORE prices climb — giving you the best of both worlds.

Buying or Selling a Home - Check these Real Estate Facts!15% of Pending Home Sales fall through and do not close. Meani...
09/22/2025

Buying or Selling a Home - Check these Real Estate Facts!

15% of Pending Home Sales fall through and do not close. Meaning The home was under contract, but the transaction did not complete.

Reasons Include: Buyer Backing out During Inspections, Appraisal Challenges (declining markets), and Financing falling through (borrowers who get qualified from low quality sources).

For FSBO - Its Estimated only 10% of For Sale By Owners actually sell without a Realtor... AND Its estimated that up to 70% of FSBO contracts fall through. Data from NAR and Homelight found that FSBO sales typically sell for 15%-23% less than when selling with a realtor.

Reasons Include: Buyers fearful of purchasing a home that is self represented, pricing issues, appraisal gaps and issues, Inspection/finding issues, contract mistakes, Real Estate Scams,

There is just too much on the line when selling a house.

Enlist the help and support of qualified Real Estate, Lending and Title professionals to help ensure whether you are buying or selling that successfully complete your transaction, and that you get the absolute highest possible price for your property, or the best possible price on your new purchase.

If you don't the risks include law suits, lost deposits, losing your property entirely, victim of fraud, victim of wire fraud, or purchasing property with severe structural/foundational damage.

Address

Liberty Hill, TX

Opening Hours

Monday 8am - 5pm
Tuesday 8am - 5:30pm
Wednesday 8am - 5pm
Thursday 8am - 5pm
Friday 8am - 5pm

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