Heather Ryan - My Community Mortgage

07/14/2026

"We need more space...

But how are we ever going to save for a down payment?"

Sound familiar?

Here's something to think about:
If two people each saved about $200 a week for one year, they'd have around $20,000.

For many buyers, that's enough for the minimum down payment on a $450,000 home with an FHA loan.*

You don't have to stop living your life.

But even small changes can add up over time.

Maybe it's:
☕ Fewer coffee runs
🍽️ One less dinner out each week
🛍️ Fewer impulse purchases
📺 Canceling subscriptions you don't use

The goal isn't to be perfect.

It's to make steady progress.

Your future home starts with the small choices you make today.

💬 Want to know how much you'd need to save for your own home? Send me a message.

*Down payment requirements vary based on your loan program, credit, qualifications, and lender guidelines.

Heather Ryan
Mortgage Loan Officer
My Community Mortgage
NMLS #205601

📞 (830) 446-6550
🌐 https://www.yourmortgageourmission.com/heather

Helping families across Texas with:
🏠 First-Time Homebuyers
🇺🇸 VA Loans
🏡 FHA • Conventional • USDA • Jumbo • Refinancing

07/07/2026

Everyone says, "Buy the starter home first."

It sounds cliché.
But the math is why people keep saying it.

Let's say you buy a $350,000 home with 5% down ($17,500).

Over the next 7 years:

🏠 You pay down about $38,000 of your loan just by making your monthly payments.

📈 If your home grows in value by an average of 4% per year, it could be worth about $461,000 after 7 years.

That means you could have around $166,000 in equity.
You started with $17,500.
Now you have about $166,000.

That's a gain of roughly $148,500 in equity.

Now imagine your dream home costs $650,000.
A 20% down payment is $130,000.

Your equity from your starter home could cover that—and still leave money for closing costs, moving expenses, or updates.

Here are 3 things many people don't think about:

✅ Every mortgage payment builds a little more ownership.

✅ Your monthly principal and interest payment stays mostly the same, while rent often goes up over time.

✅ If you qualify under IRS rules, you may be able to exclude up to $250,000 in gains if you're single or $500,000 if you're married when you sell your primary home.

The goal isn't to buy your forever home first.

It's to buy the home that helps you get there.

Thinking about buying your first home? Send me a message. I'd be happy to show you what the numbers could look like for your situation.

Heather Ryan
Mortgage Loan Officer
My Community Mortgage
NMLS #205601
📞 830-446-6550

10/08/2025

🎉 Pop-Up Shop & Garage Sale This Thursday & Friday! 🎉
🗓 When: Thursday & Friday
🕘 Time: 9 am to 1 pm

We’re clearing out tons of great items — all brand new!
🧸 Toys • 👟 Shoes • 👕 Kids Clothes • 🏠 Household Goods • 🎃 Halloween Decor • 🎣 Fishing Rods • 🧦 Socks of all kinds • 🎁 Funko Pops
Did you know there are only 78 more days until Christmas??? ✨ Don’t miss out — everything priced to sell fast! ✨

07/21/2025

GIRLS CAT & JACK SIZE 6/7 LONG SLEEVE 2 FOR 7.00. DM ME FOR MORE INFORMATION

05/26/2025

10/25/2024

🗳️ Your Vote, Your Voice! 🗳️

Every election is a chance to shape the future of our communities, our country, and our world. Voting isn't just a right—it's our responsibility. By casting a vote, you’re making a choice about what matters to you, from local policies to national issues.

10/15/2024

🌸 October is Breast Cancer Awareness Month 🌸

Early detection saves lives. 💖 This month, let's spread awareness, support those affected, and encourage our loved ones to get regular check-ups. Whether you're wearing pink, sharing stories, or educating others, every action counts. Together, we can make a difference! 🎗️

💪 Ways to support: ✔️ Schedule your mammogram ✔️ Donate to research ✔️ Share information ✔️ Show support to survivors

09/24/2024

At the heart of what we do is our commitment to providing an outstanding customer experience. We believe every interaction is an opportunity to exceed expectations, and we're grateful to all our customers for allowing us to be a part of their journey.

Your feedback helps us grow, and your satisfaction drives us to keep improving. Thank you for trusting us with your business!