Home Loans By Dom - NMLS 323455

05/18/2026

5.0 star review received on Experience.com for Home Loans By Dom by Francine M - It was such a pleasant experience working with Dominic. He took time out to meet with me and answered all my questions regarding the transaction as well as provided guidance on how the entire process would work. Dominic is professional, courteous and knowledgeable in his field and working with him was a positive and comfortable experience!

Click to see all 63 reviews of Home Loans By Dom , Loan Officer

04/14/2026

Is putting time back in your day, week or month worth a small fee?

Most people know me as the mortgage guy with 16 years in the game.

What most people don't know is that for the past 3+ years, I've been quietly going ALL IN on AI❗️

Not casually. Not dabbling.

We're talking countless 16-20 hour days on top of originating loans. Testing platforms. Breaking things. Rebuilding them. Figuring out what actually works vs. what's just hype.

This wasn't a half effort.

Hell, I even started a company. 🤖

I'm putting together a GPT Club. Practical, plug-and-play AI tools designed to do one thing. Save you time.

At this point, I've built and collaborated in building 100s of custom AI tools.

Somewhere in the middle of all that, I got pretty good at a few things.

✅ Cloning writing styles and brand voice
✅ Building custom GPTs that actually do something useful
✅ Creating systems and workflows that save a lot of time

I'm not gonna bu****it you and tell you all of them are life changing...they're not.

But they ALL serve a purpose.

If certain ones can...
👉🏼 Save you 5-10 hours a week
👉🏼 Replace tools you're already paying for
👉🏼 Eliminate the headache of figuring this out yourself
👉🏼 hint: I've been the years-long case study, so I know they can
To me, that's really where the value is. 🕰️+💰

If you've gone down the AI rabbit hole, you already know...
👉🏼 It's expensive
👉🏼 It's time consuming
👉🏼 Can be overwhelming as all get out

I've spent thousands of dollars (probably more, but don't tell my wife) and more hours than I'll ever admit learning this stuff, so you don't have to.
The idea is simple:
🚫 Not theory
🚫 Not tutorials
👍🏼 Just practical, plug and play tools of real value

Organized into categories like:

Marketing / Content / Social
Sales and Customer Success
Operations / HR / Training
Business Strategy
Non Profit
AI and Dev Tools

It could be category-based access, custom stacks, or full access on a monthly or annual option. I will be running a founders special for the early birds. Stay tuned.

Either way, the goal is simple...
Help save you time ⏳

Would you actually use something like this?

👇🏼 Drop INTERESTED below and let me know which category you'd want first.

04/10/2026

The questions and comments I see in loan officer groups are genuinely disturbing.

Not frustrating. Disturbing!

Your home is likely the most valuable asset you'll ever own.

Your mortgage is not a small decision. It is a long-term business move that impacts your family for decades. Treat it accordingly.

It is painful enough to see real estate agents mess this up,

But if your LOAN OFFICER does not know the difference between The Fed and The Feds...

You might want to pause and rethink.

04/09/2026

Something happened in the Middle East today. Most people scrolled right past it. But it quietly influenced mortgage rates here in the U.S.

Not by a lot. We're talking 0.02% on a top tier 30-year fixed. Nothing noticeable. But the fact that it moved rates at all is the part worth understanding.

De-escalation headlines between Israel and Lebanon calmed oil prices just enough to give the bond market some relief. The bond market relaxed slightly. Lenders adjusted. Rates ticked down a hair.

Here's the chain reaction that most people never see.
Global conflict pushes oil prices up. Rising oil fuels inflation concerns. Inflation concerns push bond yields higher. Bond yields are what actually move your mortgage rate.

Today it worked in reverse. Tension cooled. Oil eased. Bonds relaxed. Rates improved by a sliver of a fraction.

That same chain reaction plays out every single day behind the scenes. Most people only see "rates went up" or "rates went down" and never understand the why.

Now you do.

If you want someone who actually explains what's driving your rate and not just what your rate is, let's connect 👇🏼

04/09/2026

The headlines said rates dropped. 📉

The reality? It's more complicated than that.

Here's what actually happened: News broke about a 2-week ceasefire in the Iran conflict. The bond market (which is what actually drives mortgage rates) reacted well overnight. Borrowers started celebrating.

Then domestic markets opened. That overnight improvement has been almost completely wiped out.

Rates are technically sitting at the low end of April's range. But "low end of April" is not the dramatic drop most people were expecting from that news cycle.

Here's what this means for you if you're waiting on rates to make a move:

Geopolitical headlines can move markets fast in one direction. They can reverse just as fast. Waiting for a news event to lock in a rate is a gamble, not a strategy.

If the payment works today, the payment works today. That's the only math that matters.

Questions about where rates actually are for your situation? Let's connect.

My contact is in the comments below 👇🏼

04/01/2026

Yesterday rates dropped below 6.50% again. Two days in a row.

That's the best back-to-back improvement we've seen since the Middle East situation started escalating.

So naturally... people are thinking:
"Rates are dropping... maybe I should wait."

Careful.

Let me simplify why mortgage rates dropped this week.

Mortgage rates don't follow headlines. They follow the bond market.

When news broke that Iran might be open to ending the conflict, bonds improved. And when bonds improve, rates come down. Simple.

But here's where people get it wrong.

This doesn't automatically mean rates are about to keep dropping. In fact, after 16 years doing this, the biggest short-term improvements usually happen right after rates hit their highs.

It feels like a shift. Most of the time? It's just a bounce. Not a trend.

Zoom out for a second:
- Iran's President made the comments, not the Supreme Leader.
- There were conditions attached.
- The Strait of Hormuz still isn't fully open.

The market reacted... but cautiously.

So what does this mean for you?

Pay attention, but don't try to time it.

Because headlines like this can reverse overnight.

If the payment works for your family today, that's your green light.

I'll say it the same way I tell my own clients and my own family:

I'd rather see you lock in a payment you're comfortable with now than chase a perfect rate that may never show up... or shows up later while home prices are higher.

This market rewards decisions, not hesitation.
And after seeing multiple rate cycles, that pattern doesn't change.

Want to see what today's rate drop actually does to your monthly payment?

I have a free calculator page with 6 tools. No email required, no form to fill out. Just run your numbers.

Comment CALC below and I'll send you the link straight to your DMs.

03/30/2026

Determination Is the Common Thread

Failure will never overtake me if my determination to succeed is strong enough. - Og Mandino

This applies directly to this market.

The buyers who succeed right now are not the ones waiting for perfect conditions. They are the ones who
Stay consistent
Adjust strategy
Keep moving forward

Every deal has friction. Every market has challenges. What separates outcomes is not timing. It is persistence.

Source: BrainyQuote

Question: What is one financial goal you are committed to finishing this year?

03/29/2026

The Market Is Not Exploding It Is Stabilizing

February 2026 numbers
Home value 361,371, up 0.4% year over year
Rent 1,895, up 1.9%
Home sales 239,910, up 1.8%
Mortgage payment 1,738

This is not a volatile market. It is a steady one.

Here is what stands out...
Rents are still rising faster than home values. That continues to pressure long term affordability for renters.

In Texas markets, we are seeing similar patterns. Less volatility, more consistency.

Source: Bankrate

Question: Do you see this as a stable market or a transitional one?

03/28/2026

Lifestyle Still Drives Real Estate Decisions

Spring is showing up in a different way...
Farmers markets are busy again. Local vendors are active. Communities feel alive.

This matters more than people think.

Real estate decisions are not just financial. They are lifestyle driven.

In Texas, especially, buyers are choosing
Walkability
Community access
Local experiences

The house matters... but the environment around it often closes the deal.

Source: Better Homes and Gardens

Question: What matters more to you, the home itself or the lifestyle around it?

03/28/2026

Closing Costs Are Where Buyers Get Caught Off Guard

Closing costs typically run 2 to 5% of the purchase price. On a 300,000 dollar home, that is 6,000 to 15,000

This is one of the biggest surprises for first time buyers.

Here is the issue...
Most buyers prepare for the down payment, but underestimate the cash needed to actually close.

In structured deals, this is often where strategy comes in
Seller concessions
Lender credits
Builder incentives

The buyers who understand this upfront tend to move faster and with less stress.

Question: Did closing costs come in higher than expected when you first looked at buying?