Larissa Cable- Mortgage Loan Officer NMLS 525982

Larissa Cable- Mortgage Loan Officer NMLS 525982 I'm here to help you with the American dream of home ownership! NMLS #525982

03/01/2026

If you’re thinking about buying a home, chances are… you’ve already asked ChatGPT a few questions.

And honestly? I don’t blame you.

But here’s the thing- AI can give you general information.

It can’t look at your income.
It can’t see your debt.
It doesn’t know West Texas taxes, insurance trends, or what’s actually happening in our local market.

So I decided to do something fun.

I pulled the five most common homebuying questions people are asking ChatGPT right now…

And in this series, I’m going to answer them the way a real lender should — clearly, honestly, and specific to what actually happens when you’re buying a home.

Because Google can give you answers.
AI can give you information.
But strategy? That takes a professional.

If you’re even thinking about buying this year, follow along. This series might save you thousands, and a whole lot of stress.

02/07/2026

You should NEVER have to guess what your mortgage payment is.

If you’re working with a good lender, they won’t just give you a number —
they’ll walk you through exactly how that payment is calculated.

One of the biggest issues I’m seeing right now?
👉 Homeowners insurance and property taxes being underestimated.

Those two line items can change your payment significantly, and if they’re guessed or glossed over, you could be in for an unpleasant surprise after closing.

A solid lender will explain:
• How your taxes are calculated
• How insurance is estimated (and why it matters)
• How both impact your total monthly payment

Buying a home is a big commitment — clarity is not optional.
Ask questions. Demand transparency. Work with someone who educates you, not someone who rushes you.

If you want to understand your numbers before you sign anything, that’s exactly how it should be. 🏡✨

01/29/2026

Friendly reminder: file your homestead exemption!

- file it once and it stays with the home for as long as you own it. ✅

- you can save on your taxes. 💰

- it’s not too late! if you forgot to file it when you bought your house, the appraisal district will actually refund you the money for previous years. 🤯

01/22/2026

In case we haven’t met or it’s been a while…👋🏻

I’d love to help you on your home-buying journey!

01/09/2026

2025 was a year of steady shifts in the mortgage market, and understanding where rates landed helps us know where we’re headed next. 🏡✨
In this video, I’m recapping the key rate trends from this year and setting the foundation for my upcoming breakdown on 2026 expectations.
If you’re planning to buy, sell, or refinance—this is info you don’t want to miss.

01/05/2026

Happy New Year! If home buying is in your plan for this year, start now! It’s never too early to make a plan.

12/13/2025

Knowing where the opportunity is in this market matters more than ever.

I sat down with Cole Whisenhunt to talk about what buyers, sellers, and agents should actually be paying attention to right now—not the headlines, not the noise, but the real opportunities that exist if you know where to look.

This market isn’t about waiting it out.
It’s about strategy and leverage.

Whether you’re buying, selling, or advising clients, understanding where the opportunity lives can make all the difference.

12/03/2025

✨ Buyer’s Market? Seller’s Market? Or… Balanced? Let’s Break It Down.

In today’s housing world, everyone wants to know: Who really has the leverage—buyers or sellers?
⁣
The data shows we’re sitting in what’s technically a balanced market… but when you look at what’s actually happening at the negotiation table, the story shifts. 👀

Here’s the difference in simple terms:

🔴 Seller’s Market
• Low inventory
• Homes sell fast
• Multiple offers
• Sellers call the shots (fewer concessions, fewer repairs, higher prices)

⚫ Buyer’s Market
• More inventory
• Homes sit longer
• Buyers have negotiating power
• Sellers offer concessions, rate buydowns, repairs, closing cost help

⚪ Balanced Market
• Supply & demand are roughly even
• Price growth slows
• Homes still sell—but not with the frenzy of last year

👉 Right now, the numbers say “balanced,” but the behavior says “buyer’s market.”
Buyers are negotiating more, asking for repairs, securing concessions, and getting creative financing options.
Sellers who keep their homes on the market during this season are typically more serious and open to working with motivated buyers.

Bottom line? If you’re a buyer, this is a window of opportunity.
If you’re a seller, pricing and strategy matter more than ever—and that’s where expert guidance comes in.

Check out how the Lubbock’s market is sitting right now with as we discuss!

Thinking About Buying a Home? Stop Guessing What You Can Afford 🏡✨Too many buyers jump into the market with guesses — gu...
12/01/2025

Thinking About Buying a Home? Stop Guessing What You Can Afford 🏡✨

Too many buyers jump into the market with guesses — guessing their price range, guessing their payment, guessing how much they need to save.
But the truth is… you don’t have to guess.

That’s exactly what we’re here for.

We can review your finances, walk you through your options, and show you exactly what you’re qualified for — before you start shopping.
No surprises. No confusion. No wasted time looking at homes outside your true budget.

✨ We’ll help you get prepared, confident, and ready to buy with clarity.
When you know your numbers, you can focus on finding the right home — not stressing over the “what ifs.”

Ready to get started? Send us a message and let’s get you set up with a clear, personalized plan.

It’s been a wonderful few days of celebrating Thanksgiving! So glad to be with family and friends!
12/01/2025

It’s been a wonderful few days of celebrating Thanksgiving! So glad to be with family and friends!

5 Things You Might Be Doing Wrong on Your Mortgage Application 🏡💸Before you hit “submit,” double-check these common mist...
11/26/2025

5 Things You Might Be Doing Wrong on Your Mortgage Application 🏡💸

Before you hit “submit,” double-check these common mistakes:

1️⃣ Skipping Your Credit Check
Errors or high credit use can tank your approval. Always review your report first.

2️⃣ Making Big Money Moves Too Soon
New credit cards, car loans, or big deposits = red flags. Keep things steady until closing.

3️⃣ Not submitting your financial documents for review
Your lender needs to review these to make sure you're approved to submit offers.

4️⃣ Forgetting About Closing Costs
It’s not just the down payment. Budget an extra 2–5% for closing costs and cash-to-close.

5️⃣ Communicate with your lender on any possible changes
Always let your lender know if any changes prior to closing will take place. Communication is key!

👉 Avoid these pitfalls and you’ll be miles ahead in the mortgage process.

Grateful for partnerships like this, and excited to keep delivering exceptional service to all who put their trust in me...
11/24/2025

Grateful for partnerships like this, and excited to keep delivering exceptional service to all who put their trust in me!

Thank you so much Lynn for your kind words. It takes a village and I'm grateful to have such great relationships with me along the way!

Address

6319 79th
Lubbock, TX
79424

Telephone

+18068312840

Website

Alerts

Be the first to know and let us send you an email when Larissa Cable- Mortgage Loan Officer NMLS 525982 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 Larissa Cable- Mortgage Loan Officer NMLS 525982:

Shortcuts

Share

Category