Chad Bratton - Mortgage Pro

07/19/2026

Come experience this stunning Modern Farmhouse in The Plaza at Town Square! Featuring an open-concept design, private study, spacious loft, luxurious primary suite, and low-maintenance living with lawn care included. Enjoy resort-style amenities including a pool, clubhouse, fishing pond, greenbelt, and more—all with easy access to I-35!

Open house from 2-4 PM today!

Don't forget to click the pic for potential financing.

Listing courtesy of Tiffany Elcyzyn

Timeless Modern Farmhouse charm meets purposeful living in this beautifully designed home nestled in The Plaza at Town Square. From the inviting covered front porch to the impressive double 8-foot front doors, every detail creates a warm welcome. Just off the entry, a private study offers...

07/19/2026

Your private backyard oasis awaits! Tour this beautifully updated 4-bedroom home on 1.38 acres featuring a sparkling saltwater pool, incredible outdoor entertaining spaces, spacious rooms, and high-end updates throughout. Come see why this one feels like home!

Don't forget to click the pic for potential financing available.

Open house from 2-4 PM today!

Listing courtesy of Tiffany Elcyzyn Real Estate Resource Group

07/19/2026

Don't miss this one today in The Village! Lots of great updates to include: new roof and gutters, Pella windows, HVAC, water heater, water softener, plus solar panels!

Don't forget to click the pic for financing available.

Open house from 2-4 PM today!

Listing courtesy of Natalie Bratton at RE/MAX First

This home captures everything buyers love about living in The Village: charming, stylish, and a sense of "home". From the moment you arrive, you'll be welcomed by a covered front porch accented with white brick, cedar posts, and beautiful native pollinator landscaping. An electric iron ga...

05/29/2026

Most buyers are watching rates…
Smart buyers are working on these instead 👇

Because what actually impacts your payment and buying power isn’t just the market—
It’s:
📈 Your credit score
⚠️ Your debt-to-income
💵 Your cash strategy

✔️ And how prepared you are before you even start house hunting
The difference?
One buyer reacts to the market.
The other controls the outcome.
And that’s where real savings happen—both monthly and long-term.
If you’re planning to buy this year, don’t just “get pre-approved”…
Have a strategy behind it.

Comment PLAN and I’ll help you map out the smartest way to buy based on your situation 📩

https://myoc.io/

05/16/2026

If we’ve worked together, I have a quick favor to ask 🙏
Before we connected… what felt the hardest?
Not knowing where to start?
Not knowing who to trust?

There’s someone out there right now feeling exactly that.
Scrolling, overthinking, stuck.
Your story could be the thing that helps them move forward.

If I helped you with your home or mortgage, I’d really appreciate you sharing your experience 💬

Your story –
https://g.page/r/CQ2l29NMBLLAEAI/review

Comment “STORY” and I’ll send the link 📩

https://myoc.io/

05/14/2026

Most buyers don’t fail because they can’t buy…�They fail because they don’t have a strategy. ❌
If you’re waiting for the “perfect” time, rate, or home—you’re already behind.

The buyers who win?�They know their numbers, move with purpose, and treat their first home like a launchpad—not a finish line. 🚀

If you’re thinking about buying this year and want a clear plan (not guesswork),�comment or message me “READY” and I’ll help you map it out. 📩

And send this to someone who’s been talking about buying but hasn’t made the move yet. 👇
https://myoc.io/

05/12/2026

Most buyers focus on the home price…
But where deals really change is in the closing costs 💸

Because here’s the reality:
Two lenders can show you similar numbers on paper—
But the structure behind those numbers can be very different.

That’s where you’ll see:
📈 Fees hidden in the rate
💰 Opportunities for seller credits
✔️ Ways to reduce your out-of-pocket costs
And if you don’t know what to look for…
You could end up paying more without realizing it.

If you already have a Loan Estimate, I’ll review it with you 👀 and point out:
• What matters
• What doesn’t
• And where you might be overpaying

No pressure—just clarity.
Comment REVIEW or send me a message 📩


https://myoc.io/

04/23/2026

Think USDA loans are only for perfect, move-in ready homes? Think again. 🌾🏡

With a USDA Renovation loan, you may be able to buy a home in an eligible rural area AND finance the repairs in one loan — potentially with zero down payment if you qualify.

That means roof, HVAC, repairs, accessibility upgrades, and more can be rolled into your mortgage instead of paid out of pocket.
Inventory feels tight? This program can unlock homes other buyers skip.

Comment “USDA” or DM me the address you’re looking at — I’ll check property eligibility, income limits, and renovation options for you.
https://myoc.io/

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04/21/2026

Big update for VA buyers and agents 👇
Starting May 1, 2026, VA made targeted changes to appraisal standards under Chapter 12 of the Lender Handbook.
This isn’t a complete overhaul — but it DOES remove several common deal-stoppers:
• Detached structures no longer held to MPRs
• Radon requirements removed for new construction
• Non-vented heater certifications eliminated
• Paint rules simplified
• Lead paint scope narrowed
The core standard still stands: safe, sanitary, structurally sound.
But these changes = fewer unnecessary repairs, smoother closings, and better outcomes for VA buyers.
If you’re navigating a VA deal, knowing this matters.
https://myoc.io/

04/17/2026

📰 In case you missed it…

Starting July 1, 2026, student loans are undergoing major changes — and they could impact millions of borrowers.

From fewer repayment options…�to tighter borrowing limits…�to the elimination of certain loan programs…

The system is becoming more structured — and less flexible.

That means:�• Potentially higher payments�• More reliance on private loans�• And more importance on financial planning
If you’re planning to buy a home and have student loans — this matters more than ever
https://myoc.io/