Home Loans by Deb Spaulding - NMLS #1783129

02/23/2026

It’s that time of the year. 📑
This is sound advise if you’re considering buying a home ⤵️

Filing your taxes soon? Here's how it connects to your mortgage goals:

✅ Applying for a mortgage? Lenders typically need your last 2 years of tax returns. Make sure they're filed and available!

✅ Self-employed? Your tax returns show your qualifying income. Work with your accountant to maximize your mortgage approval potential.

✅ Expecting a refund? That money can go toward your down payment or closing costs!

✅ Planning to buy this year? Avoid major tax filing changes that could affect your debt-to-income ratio.

https://www.mortgageprocessinggroup.com/

08/21/2025

💳 Did you know different types of home loans have different average credit score requirements?

FHA: 682
USDA: 705
VA: 736
Conventional: 768
Jumbo: 780

Don’t worry if your score isn’t “perfect”—there’s a loan program that could fit your situation! 🙌

What’s one thing you’re doing right now to boost your credit score?

08/13/2025

Drowning in credit card bills and high-interest payments? Put your home's equity to work for YOU! Our Home Equity Line of Credit offers a smarter way to consolidate your debt and potentially save thousands in interest.

✅ Approvals in MINUTES, not weeks
✅ Funds in your account in just 5 DAYS
✅ Simple online application process
✅ Lower interest rates than credit cards
✅ No Appraisal Necessary
✅ One manageable monthly payment

Why struggle with multiple high-interest payments when you can simplify your finances and breathe easier? Our streamlined process makes it incredibly easy to apply - and you'll have access to your funds before you know it!

Apply now at https://bit.ly/HELOCApp and have cash in hand within 5 days!

08/06/2025

We had such a great tour yesterday 🏡✨ Powerful, knowledgeable women supporting one another — sharing market insights, strategizing 🔍, and masterminding on how to better serve our amazing clients! 💪🏼💼

Grateful to connect and collaborate with these incredible ladies:
Eva Madrigal, Maggie Diamond, Stacy Mills, Sasha Lopez.

💬 What’s one way your circle empowers and supports you in business?

07/30/2025

🤔 Still holding off on buying, hoping for lower interest rates?

Here’s the truth: while you wait, home prices are still creeping up—and so is the cost of waiting. 🏠💰

📹 This video breaks down what waiting vs. buying now really looks like for your wallet.

Timing the market perfectly? Rare. Making a smart move now? Possible.

07/23/2025

07/16/2025

🏡 Need Extra Cash? Your Home Can Help!

A HELOC (Home Equity Line of Credit) lets you borrow against the value of your home — like a credit card, but with better rates and bigger benefits.

✨ Use it for:
🔹 Home improvements
🔹 Paying off high-interest debt
🔹 Big purchases or unexpected expenses

💡 You only pay interest on what you actually use!

Ready to see what’s possible?
👉 Apply now: https://bit.ly/HELOCApp

Let’s put your home equity to work for you! 💪

07/09/2025

💰 Need Cash Without Selling Your Home? A HELOC might be the answer! 🏡

Tap into your home’s equity with a Home Equity Line of Credit (HELOC) — a flexible way to access funds when you need them most.

✅ Use it for home improvements, debt consolidation, or major expenses
✅ Only pay interest on what you borrow
✅ Keep your existing low-rate mortgage

A HELOC puts the power of your home to work for you. 🙌
📲 Message me today to see if it’s the right fit for you!

You can also click on this link to apply: https://bit.ly/HELOCApp

07/03/2025

🏡 Great home tour in Queen Creek this week! 🙌

Thank you JetNEXA and Mike Kortas for the luxury van ride 🚐💎
Big thanks to the amazing agents who attended and to the sponsors who helped make the tour a success! 🙏✨

If you have a listing in Queen Creek, give me a shout for the next tour! 📲📍

06/27/2025

🎉 Closed 10 Days Early! 🏡💨
The sellers on this deal were ready to go, and my clients agreed to move up the closing date — teamwork makes the dream work! 💪
We got CTC within 24 hours, docs out the next day, and closed on Friday after Juneteenth. 🇺🇸✊🏾

I always aim to provide excellent service to my clients and business partners, ensuring the smoothest, most positive experience possible. 🙌💼

Huge shoutout to my amazing Realtor partner Gina Petershagen for going above and beyond for these clients and being such a solid teammate! 🫶🏼✨

06/20/2025

☀️ Summer is officially OPEN for business! 🏡🔥

While you're planning beach days and BBQs, don’t forget — it’s also a great time to lock in your home financing and make your move! 💼🔑

I’m here to help make your homeownership dreams a reality this summer. Let’s get you pre-approved! 📲✨

06/18/2025

🏡🎉 Exciting News! I am thrilled to share that one of my clients just received a speedy 'clear to close' on their mortgage journey with me at NEXA Mortgage! It's amazing to see their dream of homeownership come closer to reality.

My goal is to make the home-buying process as smooth and efficient as possible.
I am here to support and guide my clients every step of the way! 🔑

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