Rosalie Lowrey NMLS 1331872

Rosalie Lowrey NMLS 1331872 I was once a buyer with no hope! Now I’m the lender who makes it happen. FHA, VA, USDA, Conventional, down payment help, maufactured homes. Let’s do this.

I break it down, cut the fluff, and walk you through it. Homeownership isn’t a dream, it’s a plan. Established in the heart of San Antonio, Texas, in 2023, GFS Home Loans has been a beacon of excellence in mortgage banking. Our commitment begins at prequalification and extends beyond the closing of your home purchase. As a team of seasoned professionals, we are devoted to ensuring your home-buying

experience is both seamless and rewarding. As an equal housing lender, we take pride in serving our vibrant community with a diverse portfolio of residential mortgage options, including:

VA Loans
FHA Loans
Conventional Loans for primary, secondary, and investment properties
Nonconforming – Jumbo Loans
Refinancing Options – Rate & Term, Cash-Out, and VA IRRRL
Innovative “Out of the Box” portfolio products

At GFS Home Loans, we specialize in finding the perfect loan match for every client, tailored to meet their individual needs. We manage your mortgage process entirely in-house, with our dedicated GFS employees who are deeply rooted in the communities we serve. For us, you are more than just a loan number, and service is more than a word in our name. Our commitment is to exceptional, personalized service from the first step in your home search to the moment you hold your new home's keys. TEXAS RECOVERY FUND NOTICE: CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A MORTGAGE BANKER OR A LICENSED MORTGAGE BANKER RESIDENTIAL MORTGAGE LOAN ORIGINATOR SHOULD COMPLETE AND SEND A COMPLAINT FORM TO THE TEXAS DEPARTMENT OF SAVINGS AND MORTGAGE LENDING, 2601 NORTH LAMAR, SUITE 201, AUSTIN, TEXAS 78705. COMPLAINT FORMS AND INSTRUCTIONS MAY BE OBTAINED FROM THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV. A TOLL-FREE CONSUMER HOTLINE IS AVAILABLE AT 1-877-276-5550. THE DEPARTMENT MAINTAINS A RECOVERY FUND TO MAKE PAYMENTS OF CERTAIN ACTUAL OUT OF POCKET DAMAGES SUSTAINED BY BORROWERS CAUSED BY ACTS OF LICENSED MORTGAGE BANKER RESIDENTIAL MORTGAGE LOAN ORIGINATORS. A WRITTEN APPLICATION FOR REIMBURSEMENT FROM THE RECOVERY FUND MUST BE FILED WITH AND INVESTIGATED BY THE DEPARTMENT PRIOR TO THE PAYMENT OF A CLAIM. FOR MORE INFORMATION ABOUT THE RECOVERY FUND, PLEASE CONSULT THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV.

Proud to be part of the August Million Dollar Club and thankful for everyone behind this achievement! 🏆 GFS Home Loans
09/04/2026

Proud to be part of the August Million Dollar Club and thankful for everyone behind this achievement! 🏆



GFS Home Loans

JMitchell Ventures, LLC I drank your free water! Ms Rita gave it to me. You missed out!
08/21/2026

JMitchell Ventures, LLC I drank your free water! Ms Rita gave it to me. You missed out!

08/19/2026

Game time!!

I closed a transaction recently. Nothing too crazy happened during the process. Take a guess at how many emails were sent and received for ONE transaction.

Who can guess where I was today???!!!
08/19/2026

Who can guess where I was today???!!!

08/08/2026

In response to the earlier game comments. I was going to edit but it’s too good so here it is. 😂

08/07/2026

🏡 FRIDAY FACEBOOK GAME: Things You Can Say About Your House… But Maybe Not Your Significant Other

I'll go first:

"The foundation seems a little unstable.” 😂

Your turn.

Comment with something completely normal you could say about your **HOUSE** that takes on a very different meaning if you say the exact same thing to your significant other. It does not necessarily have to be TRUE about the significate other. This is just a fun game!

Keep it Facebook appropriate-ish. I do have a professional reputation to maintain. Allegedly. 😂

Bonus points if you can make me laugh without getting me reported.

Ready… GO.

EDIT TO ADD: James (doesn’t know this yet) and I will be reading the comments to each other on video and will post. I am going to do my best to not look at the comments. James if you see this, DO NOT READ THE COMMENTS!!

Honored to be named to the Million Dollar Club for July! Thank you to my amazing clients and partners for making it happ...
08/06/2026

Honored to be named to the Million Dollar Club for July! Thank you to my amazing clients and partners for making it happen. Let’s keep moving forward together!

08/06/2026

🏡 Let’s Play a Game…

If someone handed you $10,000 today that could only be used toward buying a home, what would stop you from buying?

A. My credit isn’t where it needs to be.

B. I don’t have enough income.

C. I don’t know where to start.

D. I think homes are too expensive right now.

E. Something else (tell me in the comments!)

There are a lot of myths about home financing, and many people rule themselves out before they ever talk to a lender.

No pressure. No sales pitch. I’m just curious what people think the biggest obstacle is.

Drop your letter (or your answer) below. You might be surprised to learn that some obstacles have solutions you didn’t know existed.

07/31/2026

Current Angelina County housing trends, the latest mortgage and inflation news, and what is happening across the Pineywoods this weekend.

Rosalie's Market Insight (For those who want the short version first)

One thing worth paying attention to right now is that buyers have more opportunities to compare homes than they did a few years ago. That extra time can be valuable, but it's also important not to focus only on the purchase price. Property taxes, insurance, maintenance, and financing all contribute to the true cost of homeownership.

For REALTORS® and buyers alike, having those conversations early can make the process smoother and reduce surprises after a contract is signed.

Detailed Version from public data (yes, sources can be provided upon request)

As we head into the weekend across Angelina County and the surrounding Pineywoods communities, the local housing market continues to offer opportunities for buyers, sellers, and homeowners who are prepared to make decisions based on their individual circumstances rather than national headlines alone.

Inventory has improved in several East Texas markets, giving buyers more properties to compare. At the same time, mortgage rates, insurance costs, property taxes, and home condition remain important parts of the affordability conversation.

Here is this week’s local housing and financial market update.

**Local Real Estate Market Update

Angelina County entered the summer with approximately 742 homes listed for sale and a median listing price near $289,900.

The median listing price was up less than 1% from one year earlier but had declined approximately 1.8% from the prior month. Homes were spending a median of 76 days on the market, which was longer than a year ago.

June sales closed at approximately 97% of asking price on average, and Realtor.com classified Angelina County as a buyer’s market because the supply of available homes was greater than current demand.

Within the county, median asking prices varied considerably by location:

Lufkin: approximately $282,450
Hudson: approximately $279,710
Diboll: approximately $211,950
Huntington: approximately $369,900
Zavalla: approximately $299,900
Pollok: approximately $259,950

These are listing-price medians, not appraised values or guaranteed sale prices. Property type, acreage, condition, neighborhood, waterfront access, improvements, and available comparable sales can all affect an individual property’s value.

Nacogdoches County also showed increased buyer choice, with approximately 490 homes for sale and a median listing price of $332,500. Inventory was slightly higher than one year ago, while the median time on market increased to approximately 88 days. Homes sold for about 98% of asking price on average in June.

In Shelby County, homes sold near asking price on average during June, although activity varies widely among Center, Timpson, Joaquin, Shelbyville, and the county’s rural areas.

In Newton County, the Newton market’s median listing price was approximately $183,000, while Burkeville’s was around $240,000. Lake, recreational, acreage, and rural properties can cause substantial price variation in these smaller markets.

Sabine and San Augustine counties continue to be influenced by lake, rural, and second-home inventory. San Augustine County’s recent public data showed a median listing price near $257,450, approximately 203 properties for sale, and a median market time of 58 days.

The practical takeaway is that buyers generally have more time and more choices than they did during the most competitive years. That does not mean every seller must accept a substantial discount or that every property will be easy to finance.

For buyers, the full payment should be reviewed early, including principal, interest, taxes, homeowners insurance, flood insurance when applicable, mortgage insurance, and possible association dues.

For sellers, accurate pricing, clean presentation, showing availability, and early attention to repair or insurance concerns can help prevent a listing from sitting longer than necessary.

For real estate professionals, this remains a market where early communication among the buyer, REALTOR®, lender, insurance agent, title company, and other transaction partners can make a meaningful difference.

**National Economic and Financial Market Context

Mortgage rates moved higher this week.

Freddie Mac reported that the average 30-year fixed mortgage rate increased to 6.55% as of July 16, compared with 6.49% the prior week and 6.75% one year earlier. The average 15-year fixed rate increased to 5.93%.

These are national survey averages, not a rate quote available to every borrower. Actual mortgage pricing varies based on credit, loan program, down payment, property type, occupancy, loan amount, points, market conditions, and other factors.

The latest inflation report offered some improvement. The Consumer Price Index increased 3.5% over the 12 months ending in June, down from 4.2% in May. Core inflation, which excludes food and energy, increased 2.6% over the year.

Inflation remains important because mortgage rates are closely influenced by bond-market expectations regarding inflation, economic growth, and Federal Reserve policy.

The Federal Reserve maintained its federal funds target range at 3.50% to 3.75% during its June meeting. The federal funds rate is not the same as a mortgage rate, but Federal Reserve policy and economic expectations can influence borrowing costs throughout the economy.

National housing demand also remains sensitive to affordability. Pending home sales declined 5.4% in June, indicating that elevated rates and home prices continue to affect the number of buyers signing contracts.

The broader message is mixed rather than dramatic. Inflation has improved, but mortgage rates remain elevated and can move quickly as markets react to economic and geopolitical developments.

Anyone considering buying or refinancing should focus on the complete financial picture rather than waiting for a particular headline or attempting to predict the exact lowest rate.

**Positive Local News and Weekend Events

Downtown Lufkin’s Summer in the City series continues Saturday, July 18, with Music Mingle, presented by the Lufkin Limners.

The free summer series was created to support downtown activity and bring residents and visitors together for music, arts, family entertainment, and community events. Attendees should check the official event page or Visit Lufkin social media for final time, location, and weather updates.

The Lufkin Chamber is also celebrating its 2026 Leading Edge graduating class. The six-month leadership program helps participants strengthen leadership skills and become more involved in the local community.

In Nacogdoches, the public library calendar includes Scrapbooking Friends on Saturday, July 18. Families and visitors can also enjoy the area’s trails, parks, historic downtown, gardens, and local businesses throughout the weekend.

Across the broader Pineywoods region, Lake Sam Rayburn, Toledo Bend Reservoir, the Angelina and Davy Crockett national forests, and local parks continue to support tourism and small businesses during the summer travel season.

Anyone planning an outdoor activity should check the weather, lake conditions, park information, and event schedules before traveling. East Texas weather remains deeply committed to making simple plans unnecessarily complicated.

**Closing

Housing conditions across East Texas vary considerably by city, neighborhood, property type, and price range.

A home in Lufkin may face different market conditions than acreage in Huntington, a lake home near Sam Rayburn, a historic property in Nacogdoches, or a rural home in Sabine, Shelby, San Augustine, Jasper, or Newton County.

That is why local information and personalized planning matter.

If a friend, family member, past client, or coworker has questions about buying, refinancing, preparing for homeownership, or understanding today’s mortgage market, I am always glad to provide clear information and a practical starting point.

Have a safe and enjoyable weekend.

Rosalie Lowrey
Mortgage Loan Originator
GFS Home Loans
NMLS #1331872
936-465-7229
[email protected]
www.RosalieLowreyMortgage.com

Mortgages Made Simple, Dreams Made Possible.

All loans are subject to approval. Equal Housing Lender.

Address

1318 S John Redditt Drive, Ste C
Lufkin, TX
75904

Alerts

Be the first to know and let us send you an email when Rosalie Lowrey NMLS 1331872 posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.

Shortcuts

Share