806 Mortgage

05/15/2026

The biggest purchase of your life deserves more than a rushed explanation.

05/13/2026

You can buy a house with $0 down. Here's how. 💰
Most people think you need 20% down to buy a house. That's not true. There are three ways to become a homeowner with no money down.

Option 1: VA Loans
• For veterans and active military
• 0% down payment required
• No mortgage insurance (PMI)
• Great rates

Option 2: USDA Loans
• For rural and suburban areas around Lubbock
• 0% down for qualified buyers
• Income limits apply

Option 3: Down Payment Assistance
• Programs that cover your down payment
• Some cover closing costs too
• Available for first-time buyers

The catch: You need good credit, steady income, and it has to be your main home.
But if you qualify, you could own a home next month instead of waiting years to save.
Stop thinking you need perfect credit or tons of cash. You need the right program and the right team.

Ready to see if you qualify? Comment "RATES" below.

04/30/2026

This mistake is costing buyers $50,000+ and they don't even know it. 💸
Everyone thinks they need to save 20% down to avoid paying mortgage insurance. Sounds smart, but it's actually costing you big money.
Here's the math:
• $450k house with 5% down = $150/month PMI
• Over 3 years that's $5,000 in PMI
• But if you wait 3 years to save 20%, that house now costs $500k
• You didn't save money. You spent $50,000 more.
The real problem isn't PMI. It's waiting.
While you're saving for a bigger down payment, house prices keep going up. You're losing money every month you wait.
PMI goes away. Higher purchase prices don't.
Stop trying to time the perfect down payment. Start building equity now.
Want to know your real numbers? We'll break down exactly what waiting is actually costing you.

04/24/2026

Why choose a local mortgage broker over a big bank? Let us show you. 🏠

Big banks can only offer you their rates. That's like buying a car from just one dealer when there are 20 others with better deals.

Here's what we do different:

• We shop dozens of lenders for you
• One application = multiple rate options
• Wholesale rates (often lower than bank rates)
• We compare FHA, VA, USDA, conventional loans
• Find the perfect fit for your situation

The best part? We're your neighbors. We live in Lubbock too. We know the area and care about your success.

The result:Our clients save thousands over their loan compared to going straight to a bank.

Why settle for one option when you can see them all?

Ready to see what rates you qualify for? Comment "BROKER" below.

04/17/2026

For those in Silverton, it’s 1/2 mile to the bus stop for school. 🚌♥️

📍 11 FM 378, Lockney, TX 79241

Located just 13 miles north of Lockney, this spacious property sits on 2.26 acres and offers the perfect mix of comfort and functionality.
✨ Property Highlights:�• 4 Bedrooms | 3 Bathrooms�• Tastefully remodeled master bathroom with a large closet�• New carpet & fresh paint – move-in ready!�• Expansive living room with a cozy brick fireplace�• Open flow to the kitchen & dining area�• Large laundry room + THREE storage rooms
🚜 Outside you’ll find a 40 x 50 metal barn with electricity, 220 outlets, an overhead door, and a loft area — perfect for projects, storage, or equipment.
Additional features include:�✔️ Cheerful sunroom�✔️ Two-car garage�✔️ Two water heaters�✔️ New septic system�✔️ Metal roof & trim

Comment for the link 🔗
DM or call us for more info 💬📱

Street Real Estate
Office• 806.293.9944
3010 Olton Rd Plainview, Tx 79072

03/31/2026

Think you can’t buy a house because you don’t have enough saved for a down payment?

That’s one of the biggest misconceptions in home buying.

In this episode of Will It Qualify?, Brittany asks about her down payment options.

Here’s the truth:
There are down payment assistance programs specifically designed to help buyers who don’t have large savings.

Low savings doesn’t always mean low opportunity when you have the right loan strategy and guidance.

Next week’s question:
Will gift funds from family qualify for a mortgage? 👀

03/24/2026

Student loans… do they automatically stop you from buying a house?

Not always.

In this episode of Will It Qualify?, Sally calls in with a question about her student loan payments and whether they’ll affect her mortgage approval.

Here’s where it gets tricky:
Different loan programs calculate student loan payments differently, especially if they’re income-driven or deferred.

That’s why loan structure matters just as much as the total loan balance when lenders calculate what you qualify for.

Next week’s question:
Will buying a house with NO down payment qualify? 👀

03/17/2026

You’re already pre-approved… so you’re safe to buy that new truck, right?

Not so fast.

In this episode of Will It Qualify?, Chad calls in with a situation a lot of buyers run into right before closing.

He’s pre-approved, but he’s thinking about adding a brand new truck payment before the deal is finalized.

Here’s the problem:
Even small financial changes during the mortgage process can instantly change your approval.

New debt, new payments, or big purchases can all affect what you qualify for.

Next week’s question:
Will student loan debt stop you from qualifying for a mortgage? 👀

03/10/2026

Everyone thinks the credit score is the deal breaker… but that’s not always the case.

In this episode of Will It Qualify?, Jerry asks if a low credit score will ruin his chances of buying a home. The answer might surprise you.

Here’s the truth: lenders care about patterns and consistency, not just a single number on your credit report.

And yes — some buyers can qualify with scores as low as 580 on certain loan programs.

But here’s the real question…

If you buy that new truck before closing, will you still qualify? 👀

Tune in next week to find out.

03/05/2026

Lets step inside a real closing at Lubbock Abstract.

One of the most interesting parts of the home buying process is what happens right here at the closing table.

We asked our client what surprised her most about the process…
Her answer? How quickly everything came together.

We also asked the title team why title insurance matters so much.
Because sometimes questions about past liens or ownership can come up years later, and having that policy helps protect you and verify the history of the property.

And the best moment of all?
That feeling when you finally sit down at the closing table and realize…

You’re officially done.

03/04/2026