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! 💪