Lainey Horton Mortgage Loan Officer NMLS# 1500971

10/07/2025

Your credit score matters! Higher scores = lower rates and better terms. This is one grade you’ll want to keep up.

09/17/2025

The Fed just cut rates, but mortgage rates were already ahead of the curve!
If you recently closed on a home loan, now is the time to take advantage of this opportunity to refinance, cash out for debt consolidation or renovations, or make your dream home more affordable. 🏠✨



just message me or call me!

🎢 The Fed just cut rates, but mortgage rates were already ahead of the curve!
Take advantage of this opportunity to refinance, cash out for debt consolidation or renovations, or make your dream home more affordable. 🏠✨
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09/10/2025

Exciting news!! I am pleased to announce that I have joined the VValor Home Loansteam and excited to work with and for outstanding Leadership!
Whether you're buying, refinancing or exploring loan options, I am here to guide you every step of the way and turn your homeownership goals into reality!
message me today! (405) 922-0065 | NMLS #1500971
[email protected]
https://www.valorhl.com/lainey-horton

09/08/2025

📣 The August Jobs Report was released - here is what it’s all about for mortgage interest rates:

The labor market is weaker than many had anticipated -
• 💼 22,000 jobs created which is significantly below the consensus forecast of 75,000
• The unemployment rate increased from 4.2% to 4.3%⬆️
• The revisions for the previous 2 months resulted in a net loss of 21,000 fewer jobs than originally reported. July’s payroll growth is now reported as a negative number. 📊

➡️ The 10-year Treasury yield = 4.07% This is a level have not seen since April. There is a real change it will break below 4%, then we could really see more movement for lower interest rates. 📉

🔈 The Fed needs to cut - the discussion now is what the Fed will do at their next meeting — and will a 0.25% cut be enough?
** The Fed cutting the Fed funds rate does not directly impact mortgage interest rates, however this all is tied in and affects the bond market which does have a direct correlation with mortgage rates.

This may start the wave of lower interest rates that we all are waiting for. Buyers get off the fence and get ahead of the game, sellers stay alert. Those waiting to refinance, get ready too!

Reach me today for your best financing move 🏡
Lainey Horton
Mortgage Banker
NMLS # 1500971
visit my website to get started
www.valorhl.com/lainey-horton
apply now: https://laineyhorton.floify.com

Send a message to learn more

04/20/2023

Shopping this weekend or browsing for homes online?
I can help you get qualified for that dream home, 2nd home or Investment property. Select my link below to learn more about Way Better offer program.
https://www.wbm.com/loan-officers/lainey-horton/

04/18/2023

Monthly mortgage payments are often lower than rent payments, and low down payment options are out there. Plus, as a successful renter, you've probably set yourself up for success.

04/01/2022

If you or someone you know is looking to BUY-SELL-INVEST- Or BUILD A LEGACY!

Let’s get started !

Kenya Boone
SALT REAL ESTATE
405.315.6018

03/28/2022

The link between financial security and homeownership is especially important today as inflation rises. But many people may not realize just how much owning a home contributes to your overall net worth. As Leslie Rouda Smith, President of the National Association of Realtors (NAR), says:

03/24/2022

Congratulations to this sweet family!! I love helping my clients!
Thank you to Stefan and Rachel, and Cook and Adrianne Bowers with the Red Dirt Team for all of your help, Hohne and Chicago Title Crossrock and Lisa Hager with Keller Williams Platinum! A big thank you to my Team here at Northpointe Bank for being AWESOME!