Carter Hornsby Mortgage

09/16/2026

🏡 Waiting for lower interest rates does not always mean you will pay less.

A few years ago, mortgage rates were around 3%, but home prices were also considerably lower. Rates are higher today, and home values have continued to rise.

The real question is not just, “When will rates come back down?”

It is also, “How much more could the same home cost by then?”

Trying to perfectly time both mortgage rates and home prices is nearly impossible. A better approach is to find out what you can comfortably afford today and buy when the payment and numbers make sense for you. If rates improve later, refinancing may be an option.

Do not focus only on the interest rate. Look at the entire opportunity.

A quick phone call can help you understand your options, and you may be closer to homeownership than you think. You are also welcome to stop by our Dothan office and speak with us in person.

📲 Carter Hornsby
Mortgage Loan Originator
NEXA Mortgage, LLC
NMLS #1979916
334.432.0262
[email protected]

Licensed in Alabama and Florida🏠

09/10/2026

🏡 Turned Down by Another Mortgage Lender? Get a Second Opinion.

One lender saying no does not always mean homeownership is off the table. Different lenders offer different loan programs, guidelines, and solutions. The right strategy can make all the difference.

We help people EVERY DAY who think they cannot buy a home, only to find out the process is much simpler than they expected.

Just a quick phone call will let me know if I can help you. I will review your situation, explain your options honestly, and help you create a clear path forward, whether you are ready now or need a little more time.

If you would prefer to meet in person, you are welcome to come by our office as well.

📲 Call or text me at 334 432 0262 for a no pressure conversation.

You may have more options than you have been told. 🔑

Send a message to learn more

08/26/2026

OPEN HOUSE ALERT🚨

WHO: Maryland Nall - Axen Realty and Carter Hornsby Mortgage📲 Pre Approvals on Site!

WHAT: Public Open House🏡

WHEN: Sunday Aug 30 2-4 ⏰

WHERE: 844 State Hwy 131 Eufaula Al 36027 🌲

WHY: View a beautiful property and Enter for a chance to win a cake by Sugar and Slice 🎂

08/12/2026

08/05/2026

Honest question...

If you've wanted to buy a house but haven't, what's been the thing that's stopped you?

🏡 Down payment?
💰 Monthly payment?
📉 Credit?
🤷‍♂️ Don't know where to start?
⏳ Waiting on rates?
📄 Been told you don't qualify?

I'm asking because we get people approved weekly who were convinced they couldn't buy. They come in thinking their credit is too low, they don't have enough money, or they were told they have to wait another year.

A lot of the time... it ends up not being a problem at all.

This goes for people who've already talked to another lender too.

I hear, "I was told I wouldn't qualify," all the time. My first question is always... why?

This isn't a knock on other loan officers. There are a ton of good ones out there. But not everyone has the same experience, not every lender offers the same loan programs, and guidelines change constantly. If you don't stay on top of them, it's easy to tell someone "no" when the answer could actually be "yes."

I've helped numerous people buy homes after being told by someone else that it wasn't possible.

So I'm curious... What's stopping you from buying a home?

No judgment. No sales pitch. Just curious what people think is the biggest hurdle today.

Comment below or shoot me a message if you'd rather keep it private. If you've been told "no" before, it might be worth getting a second set of eyes on it. I can run the numbers without pulling credit, so what do you have to lose?

Also, here the link to get your free annual credit report if your curious to where you may stand. www.annualcreditreport.com

334-432-0262

01/30/2026

Cleared to Close x2 ✔️✔️
Hard work, teamwork, and a great way to head into the weekend.

If you’re thinking about buying, refinancing, or just want to know your options—who’s next?

01/27/2026

Grateful is an understatement 🙌

I’m excited to share that I finished in the top 22% of NEXA nationwide for 2025 🎉

All glory to God, who made every bit of this possible.

This milestone wouldn’t be possible without the trust and support of my amazing clients, referral partners, friends, and family. Thank you to everyone who chose me to help guide you through one of the biggest financial decisions of your life — your business truly means more than you know.

Here’s to continuing to serve, grow, and help even more people in 2026 and beyond. 🚀
Who’s next?

01/10/2026

CTC in 3 days 🚀
No stress. No surprises. Just results.
If buying or refinancing is on your radar, I’m ready when you are.
Who’s next? 🏡💼
334-432-0262

01/02/2026