Tina My Lender

04/06/2026

Do you have a client that is outside of the income limits for other 100% financing options? I may have a loan that will work for them. Send them my way and let's see if it's a good fit.

01/09/2026

We saw the market respond fairly quickly to the president's request to Fannie and Freddie purchasing $200 billion in mortgage-backed securities. We are estimating that we should see that in the form of about $20 billion per month. Keep in mind that market data will still impact rates and at this point it isn't impacting the fed rate. The forecast is looking like we should start to see rates come down a bit. Most forecasters are predicting rates in the mid to high 5's through the coming year. Stay tuned!

01/01/2026

As we step into a new year, we’re grateful for the trust, relationships, and milestones we shared in the year behind us. Here’s to fresh goals, new beginnings, and helping more families feel at home in the year ahead. Cheers to a bright new year! 🏡🥂

12/25/2025

Wishing our clients, partners, and team a season filled with joy, gratitude, and time well spent with those who matter most. Thank you for trusting us to be part of your homeownership journey—here’s to a bright and prosperous year ahead! 🎁🏡

11/09/2025

It was the perfect day to Shower McKenna and Dallin with love and gifts for baby Annabelle. We are so excited that she is joining the family!🩷 Thank you to everyone that came and shared the afternoon with us! It’s always a good day when you get to be in a room full of your favorite people!

11/01/2025

10/31/2025

Happy Halloween!🎃 👻💀

10/31/2025

Sometimes things don't go the way that we expect. A rate cut seems like a positive thing right? In the long run it likely is but we aren't initially seeing it impact borrower rates the way that some may have expected. The feds comments were hawkish, and the government shutdown is impacting the reporting and collection of data used to monitor the economy. Buckle up kids, this may be a bumpy ride.

10/25/2025

Come join us tonight 🎃👻💀

10/02/2025

Are you curios about the home buying process? Join us tonight as we discuss the process. We would love to help you make a plan and or see if you are already in a position to purchase a home. We hope to see you there!

🏡✨ Thinking about buying a home? ✨🏡

Join us TONIGHT for our FREE Home Buyer Workshop and get the inside scoop from local real estate pros and a mortgage lender!

📅 Thursday, October 2nd
⏰ 6:30–7:30 PM
📍 Deluxe Utah Real Estate
230 N 1680 E, Bldg E1, St. George, UT

What you’ll learn ⬇️
💰 How to prepare financially for homeownership
📈 Market conditions—when’s the best time to buy?
🏦 Mortgage types explained in simple terms
⚠️ Common pitfalls & how to avoid them

Whether you’re a first-time buyer or just curious about the market, this workshop will give you the tools & confidence to take the next step.

✨ Don’t miss out—your dream home starts with the right knowledge!

10/01/2025

If you have clients that are under contract using USDA financing, there could be significant delays, even potential delays until the government is back up and running. You may be looking at needing to extend unless the USDA sign off has already been done. This usually happens at the very end of the transaction. Reach out to the lender to see where you are at in that process.

If you have a client using FHA financing and the home had been under contract with a previous FHA buyer and it fell through, you could have big delays if the case number hasn't already been transferred. There isn't anyone there to make the transfer.

If you have a borrower that is self-employed or 100% commission income the lender typically requires tax transcripts from the IRS to be in the file. If the lender doesn't already have the transcripts, this will likely case a delay.

In times past some lenders have been able to put some work arounds in place to keep things moving for some situations, but don't count on it. It can take some time for the lenders to get to a point that they are willing to consider it and they take on additional risk by doing so.

Just be aware and ask questions as you are preparing to make offers or are accepting government backed financed borrowers.

I'm here to help, reach out if I can answer any questions for you.

Fingers crossed for a quick resolution.

09/18/2025

Good question right?

We have been enjoying about 3/8% better in rate over the past few weeks. Investors had already been pricing in the anticipated fed rate reduction into their pricing.

The market is always forward looking. In addition to the fed announcement yesterday, there was a jobless claims report that came out lower than expected and the market responded by selling off bonds.

The rate market is always a bit of a ride, but I am here to help you navigate it. Reach out if you have any questions.