East Texas Mortgage Guy

East Texas Mortgage Guy Get Clear. Get Confident. Get Moving. See y'all at the Closing Table! Brian Hammond, MLO
Mortgage Lender for Texas National Bank
NMLS 1836943

06/05/2026

A lot of people think they need everything perfect before they start the home buying process.
Perfect credit.
A huge down payment.
The perfect market.
The truth is, the best time to start is when you're thinking about it.
Even if you're not ready today, having a plan puts you ahead of most buyers.
Text "MISTAKES" to 936-404-7883 or DM me on my East Texas Mortgage Guy socials.

06/04/2026

A lot of buyers focus only on the loan amount.
But your monthly payment may also include:
✔ Property Taxes
✔ Homeowners Insurance
✔ Mortgage Insurance
Understanding your full payment is one of the smartest things you can do before buying a home.
Text "MISTAKES" to 936-404-7883 or DM me and I'll help you run the numbers.

06/03/2026

Buying furniture. Financing a car. Opening a new credit card.
These are some of the biggest mistakes buyers make during the mortgage process.
Even small financial changes can impact your approval.
Before making any big financial moves, talk to your lender first.
Text "MISTAKES" to 936-404-7883 or DM me on my East Texas Mortgage Guy socials.

06/03/2026

Online mortgage calculators can be helpful...
But they don't always tell the full story.
Taxes, insurance, interest rates, and your personal situation all impact your payment.
Before you make plans based on an estimate, make sure you're looking at real numbers.
Text "MISTAKES" to 936-404-7883 or DM me and I'll help you figure out what your payment could actually look like.

06/01/2026

Most buyers start the home buying process backwards.

Before you start touring homes in East Texas, you need to know what you can actually afford.

Getting prequalified first saves time, avoids disappointment, and helps you shop with confidence.

Text "MISTAKES" to 936-404-7883 or DM me on my East Texas Mortgage Guy socials and I'll help you get started.

05/21/2026

Mortgage rates just hit their highest point in about 9 months… and everybody keeps asking the same question:

“Should I wait for rates to drop before buying a house?”

That’s exactly what I talked about in Episode 4 of the East Texas Mortgage Guy Podcast 🎙️

I break down:
• Why rates have gone up
• What’s actually impacting the market
• Why buyers are STILL buying homes
• And why waiting on the “perfect” market hasn’t worked out well for a lot of people the last few years

The truth is…life doesn’t wait on perfect rates.

People get married.
Families grow.
Jobs change.
People need more space.

If buying makes sense for your situation, it’s worth at least running the numbers and seeing what your options look like.

I’ll drop the episode link in the comments 👇

And if you want to see what buying could realistically look like for you in East Texas, text “RATES” to 936-404-7883 or DM me on my East Texas Mortgage Guy socials.

04/29/2026

If you’re thinking about buying a home in East Texas…

The best thing you can do right now is know your numbers.

That’s what gives you confidence and keeps you from wasting time.

If you want to know what you can actually afford, I’ll help you figure it out.

Message me “NUMBERS” or text 936-404-7883 and I’ll get you started.

04/28/2026

Most people buying a home focus on the price…

But that’s not the number that actually matters.

Your monthly payment is what determines what you can really afford—and that number can look very different depending on your situation.

If you’re thinking about buying in East Texas, I’ll help you break it down so you know exactly where you stand.

Message me “NUMBERS” or text 936-404-7883 and I’ll get you prequalified.

04/27/2026

Two people can look at the exact same house…

And have completely different monthly payments.

It all depends on your situation—credit, down payment, and timing all play a role.

If you’re buying in East Texas, I’ll help you figure out your real numbers.

Message me “NUMBERS” or text 936-404-7883.

04/26/2026

Your monthly payment isn’t just the loan…

There’s more that goes into it than most people realize.

Taxes, insurance, and other factors can change your payment more than you think.

If you want to know what YOUR payment would actually look like, I’ll help you figure it out.

Message me “NUMBERS” or text 936-404-7883.

Address

Lufkin, TX

Telephone

+19364047883

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