Executive Lending Group DBA A Division of 1st Capitol Mortgage LLC

10/17/2025

Whether you’re buying your first home, refinancing, or planning upgrades, you deserve clear answers and innovative options.
✅ Have questions about mortgages or credit?d
✅ Thinking about using your home’s equity for improvements?
✅ Wondering if now’s the right time to buy or sell?
I’m here to help you make confident, informed decisions, no pressure, no jargon.
👉 Would you be interested in meeting with me on a Tuesday morning to see what I can do to serve you?
Please fill out this quick form:
🔗 https://docs.google.com/forms/d/e/1FAIpQLScM4_7e04k5bBS4LYJgGy66TqsBMtDNQX-I4KDQxhv8lVEyyg/viewform?usp=header
Don Spears｜NMLS #293964｜Executive Lending Group｜Park On Main Executive Suites In Norman, OK

09/25/2025

Rent disappears every month. A mortgage builds your wealth.

🏡 Homeownership means equity, stability, and long-term growth. Ready to stop renting and start investing in yourself? Let’s talk.



Don Spears | Executive Home Lending Norman

09/18/2025

💡 Did you know your home’s equity can work like a credit card?

A Home Equity Line of Credit (HELOC) gives you flexible access to funds for upgrades, debt payoff, or even a safety net. Want to see how much equity you could tap into? Let’s run the numbers.



Don Spears | Executive Home Lending Norman

09/04/2025

What is a HELOC?

💡 Ever wondered what a HELOC really is?
It’s a flexible line of credit that lets you borrow against your home’s equity when you need it. Think of it as financial flexibility built right into your house.

👉 Want to know how much equity you’ve got? Message me and I’ll run the numbers.

Don Spears | Executive Home Lending Norman

08/16/2025

What Happens During a Home Appraisal?
After your offer is accepted, your lender will typically order a home appraisal.

This is an independent assessment of the property’s fair market value, and it’s required for most loans.

An appraiser looks at recent comparable sales, the condition of the home, and any upgrades or renovations.

The goal is to confirm that the value supports the loan amount.

If the appraisal comes in low, you still have options. You could renegotiate with the seller, pay the difference, or challenge the appraisal with evidence.

Knowing how this process works can save you from panic if the number isn’t exactly what you expected.

I’ll walk you through the results and next steps so you feel informed and confident.

08/15/2025

Top 3 Ways to Lower Your Interest Rate
A lower mortgage interest rate can save you thousands over the life of your loan.

Here are three ways to get there:

1️⃣ Improve your credit score by paying down balances, avoiding new debt, and making all payments on time

2️⃣ Increase your down payment to lower the lender’s risk, which can result in better rates

3️⃣ Buy down your rate by paying points upfront at closing in exchange for a lower interest rate

Every situation is different. The best choice depends on your budget, time in the home, and long-term plans.

Let’s run the numbers together so you can choose the right path.

08/14/2025

What Happens During a Home Appraisal?

After your offer is accepted, your lender will typically order a home appraisal.

This is an independent assessment of the property’s fair market value, and it’s required for most loans.

An appraiser looks at recent comparable sales, the condition of the home, and any upgrades or renovations.

The goal is to confirm that the value supports the loan amount.

If the appraisal comes in low, you still have options. You could renegotiate with the seller, pay the difference, or challenge the appraisal with evidence.

Knowing how this process works can save you from panic if the number isn’t exactly what you expected.

I’ll walk you through the results and next steps so you feel informed and confident.

08/14/2025

Pre-Qualified vs. Pre-Approved
These terms sound similar but mean very different things.

Pre-Qualification is a quick, informal estimate of what you might be able to borrow, based on self-reported information.

Pre-Approval is a verified process where the lender reviews your financial documents, checks your credit, and issues a formal letter confirming how much you can borrow.

Why does it matter? Sellers and their agents take pre-approval seriously. It tells them you’re ready, qualified, and able to close.

If you’re planning to house-hunt soon, getting pre-approved can give you a competitive advantage and help you move quickly when you find the right home.

08/09/2025

08/05/2025

🏡 Why It’s Still a Smart Time to Buy

Thinking about waiting to buy a home? Here’s why it could make sense to move forward now:

✅ You build equity instead of paying rent
✅ Home values remain strong
✅ You can refinance later if rates drop
✅ Enjoy stability and control over your payment

Real estate is still one of the best long-term investments you can make. If you want to see if buying now makes sense for you, send me a message today!

📞 Don Spears | Executive Home Lending
🌐 www.elgnorman.com

07/17/2025

🏡 First-Time Homebuyer? Read This.

Here are 5 things you should know before starting your home search:

1️⃣ You don’t need 20% down
2️⃣ Get pre-approved before you shop
3️⃣ Your credit matters — but it’s not everything
4️⃣ There are multiple loan options (not just one-size-fits-all)
5️⃣ You don’t have to figure it out alone — I’m here to help

Buying your first home doesn’t have to be overwhelming.
Let’s break it down, make a plan, and move at your pace.

📲 Message me if you're thinking about buying this year!

— Don Spears | Executive Home Lending

05/29/2025

Business Owners & Self-Employed Friends — Planning to Buy a Home? 🏡
Here’s something you really need to know:

💡 You have to be paying yourself enough to qualify.

Lenders don’t just look at how much your business is bringing in — they look at your personal income reported on your tax returns.
So even if your business is thriving, writing off too much or not paying yourself properly could hurt your chances of getting approved.

Here’s how I can help you get mortgage-ready:
✅ Review your income & documents ahead of time
✅ Advise you on how to structure your pay the right way
✅ Connect you with tax pros for smart planning
✅ Create a step-by-step game plan so you're ready when the time comes

The earlier we start, the more flexibility and options you'll have when you're ready to buy.

👉 If you’re self-employed and homeownership is on your radar, let’s connect and make sure your finances are set up for success.

📩 DM me — I’m here when you’re ready!"