Angelique Scott MLO

06/01/2026

📚 Before you sign a single mortgage document, take a homebuyer education course.

It's required for Texas Department of Housing and Community Affairs' Homebuyer Program — and worth every minute.

Here's what it covers:
✅ Credit, budgeting, and mortgage basics
✅ How to work with lenders and realtors
✅ What to expect at closing
✅ How to protect your home after purchase

Available online or in-person, statewide. Completion certificates valid for up to 12 months.

Understanding is the most empowering first step. Take it this spring. 🎓
👉 https://welcomehome.tdhca.texas.gov/welcome-home

06/01/2026

05/07/2026

Let's get you approved!

From stable payments to tax perks and building equity, owning a home is the gift that keeps on giving. Visit My Home to learn more about the benefits of homeownership. https://myhome.freddiemac.com/blog/homeownership/4-benefits-owning-home

05/07/2026

Contact me with credit questions!

Why are there changes in your credit scores?

If you check your credit scores regularly, you may notice the three-digit numbers change over time.Your creditors provide information to the three nationwide consumer reporting agencies (NCRAs). The NCRAs use this information to determine your credit scores. A variety of factors can cause changes in your credit scores. This is completely normal, but why does this happen? https://bit.ly/3OY6z8J

05/06/2026

Reach out with any questions!

You should always ask your loan officer how different financial decisions impact your debt-to-income ratio before making a move. DTI isn’t just a qualification number, it directly influences what loan options you may or may not have, your interest rate, and how much home you can comfortably afford. A loan officer can break down how things like new credit lines, car payments, or paying down debt will shift your buying power so you can plan with clarity instead of guessing.

04/29/2026

How do I get my credit scores?

Credit scores are calculated by using the information in your credit reports. It’s a good idea to regularly check your credit scores. So what can you do to check your credit scores? Learn more in this video. https://bit.ly/3QdNoIq

04/27/2026

Same salary.

Different habits.

Completely different lives.

It’s not always about how much you make.

It’s about what you do consistently with what you have.

One chooses comfort now.

The other chooses discipline.

One spends to feel good today.

The other builds for tomorrow.

The gap doesn’t show immediately.

But give it time, it always does.

Small decisions compound.

So do small excuses.

04/27/2026

🏠 Let's bust the biggest myth keeping Texas families from homeownership!
You don’t always need 20% down — some loan programs require as little as 3% down payment and the TDHCA Homebuyer Program could help cover that too.

No separate application. No separate approval process. It's built into the regular mortgage application process through our TDHCA Approved Lenders.

If the 20% myth has been keeping you from exploring homeownership — now you know better. See what you may qualify for.

Share this with someone who needs to hear it. 👇
👉 https://welcomehome.tdhca.texas.gov/welcome-home

04/27/2026

Refinancing a Home Loan and Credit Scores

A rate-and-term refinance could provide a better interest rate and terms. A cash-out refinance allows homeowners access to their home’s equity. https://bit.ly/4uEDv6j

03/01/2026

Happy Sunday. 🐚💜 Hello, March!