Travis Jenkins Home Loans

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Travis Jenkins Home Loans Travis Jenkins a Producing Branch Manager (NMLS #2353037). Local Lender • Nationwide Network • Concierge Service Main St.
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Travis Jenkins
Branch Manager NMLS 2353037
Wheatland Mortgage
629 W. Suite 215, Oklahoma City, OK 73102
405-357-8602
Equal Housing Lender
State Licenses Page: https://canopymortgage.com/state-licenses
Privacy Policy: https://canopymortgage.com/privacy-policy/
Terms of Use: https://canopymortgage.com/terms-of-use

Six months ago, a mortgage inquiry could set off a wave of calls from companies you’d never contacted. That’s changing. ...
10/19/2026

Six months ago, a mortgage inquiry could set off a wave of calls from companies you’d never contacted. That’s changing. 🛡️

Since March 2026, the Homebuyers Privacy Protection Act has restricted credit bureaus from selling mortgage inquiry information without your explicit consent or a qualifying existing relationship. That means the flood of surprise calls after a mortgage inquiry is largely a thing of the past.

For homebuyers, that can mean:
• Fewer surprise calls
• More control over who contacts you
• Greater privacy during the homebuying process

My Take: Your financial information deserves to be treated privately and respectfully. A mortgage is a personal decision, and you should be able to explore your options without feeling pressured by a phone-shattering wave of calls.

Questions about what this means for you? Visit TravisJenkinsHomeLoans.com or send me a message. NO SPAM, just a conversation when you’re ready.

Your mortgage isn't a set-it-and-forget-it deal. Life moves fast, and the loan you picked a few years ago may not fit th...
10/17/2026

Your mortgage isn't a set-it-and-forget-it deal. Life moves fast, and the loan you picked a few years ago may not fit the way your household runs today.

A new baby, a job change, a divorce, a parent who now needs help at home, or a move you're weighing. Any of these can shift how much room your monthly budget needs. In my work with Oklahoma families, the goal of a loan review is often more breathing room, not just a lower rate.

And sometimes the answer is that your current loan is already the right one. That's worth knowing too, and it's a good reason to check in before you assume anything.

If one of these changes has happened in your home, send me a message or reach out for a free purchase loan analysis. We'll talk through your numbers in plain language, with no pressure.

10/17/2026

Happy freezing cold Saturday. 🥶 I’m reminded today that Change happens…

The question I hear most: "Can I use my house to clear my credit cards?" Sometimes, yes. A cash-out refinance can simpli...
10/16/2026

The question I hear most: "Can I use my house to clear my credit cards?" Sometimes, yes. A cash-out refinance can simplify high-interest debt into one payment. But that debt now sits on your home, so the plan behind it matters as much as the rate. Before you decide, map out the monthly payment, the total cost over time, and what happens if your budget changes. If you want to talk through your numbers, I offer a free purchase loan analysis and I'm happy to walk through it with you in plain language. Start the conversation whenever you're ready.

The fall market in OKC has shifted, and buyers finally have more room to negotiate. 🍂🏡Realtor.com’s September 2026 repor...
10/16/2026

The fall market in OKC has shifted, and buyers finally have more room to negotiate. 🍂🏡

Realtor.com’s September 2026 report shows a median list price of about $312,450, roughly 6,700 active listings across the metro, and typical homes taking around 57 days to sell.

For buyers, that can mean more homes to choose from and time to compare. Inspections and repair requests are back in play, and seller-paid closing cost credits or rate buydowns may be negotiable.

For sellers, pricing right from day one matters more than ever. Strong presentation and flexible terms can help your home stand out.

My Take: National headlines are loud, but local data should guide your move. A balanced fall market rewards prepared buyers and realistic sellers.

Thinking about your next move? Comment “LEVERAGE” or visit TravisJenkinsHomeLoans.com to connect. NO SPAM, just a respectful conversation.

10/16/2026

Builders around OKC are leaning on incentives right now. Three questions before you sign anything:

1. Does the credit require their lender? You can shop the loan separately. The incentive and financing are two different deals.

2. Does the payment help last? Some buydowns ease the early years, then reset. Permanent savings are baked into the loan itself.

3. Is it in the contract? If it’s not written in, it doesn’t exist at closing.

Shopping late in the year? Ask about standing inventory.

Comment CONSULT, and I'll send you a calendar invitation to discuss your new construction questions.

10/15/2026

FHA is a first-time buyer favorite in Oklahoma, but the fine print can surprise you. Three things to know early:

Your credit score affects your minimum down payment. Stronger credit can mean less cash upfront, while scores below a certain point may rule out FHA with many lenders.

FHA mortgage insurance has an upfront cost you usually roll into the loan, plus an annual cost in your monthly payment. How long it lasts depends on your down payment.

Seller concessions may help cover closing costs. With about 1 in 4 Oklahoma listings already cutting price, it’s worth asking.

Know the trade-offs before you fall in love with a house, not after.

Comment "CONSULT" and I’ll send you a scheduling link so we can see what your options are and answer any mortgage related questions.

Credit card interest adds up fast, and if you own a home, you may be sitting on equity you haven't touched. When your mo...
10/15/2026

Credit card interest adds up fast, and if you own a home, you may be sitting on equity you haven't touched. When your mortgage rate is low and your equity is real, a home equity line of credit (HELOC) is one option some homeowners use to consolidate high-interest debt. It's not right for everyone, and it's worth understanding the tradeoffs before you decide.

I'm Travis, and I've spent my career helping people work through money decisions in plain language, without the pressure. Here's what I'd like you to consider:

- How much equity do you have built up?
- What rate are you paying on your cards compared to your current mortgage?
- How steady is your income for the long haul?

If you're carrying balances and wondering whether tapping your home makes sense, drop a comment below or send me a DM about your situation. I'll walk you through what's possible and whether it fits your goals, with no obligation. Travis Jenkins Home Loans is here to give you a clear starting point.

A thin credit file is not the same thing as bad credit. 👀FHA is expected to begin accepting two additional credit-score ...
10/14/2026

A thin credit file is not the same thing as bad credit. 👀

FHA is expected to begin accepting two additional credit-score models in 2027: VantageScore 4.0 and FICO 10T, alongside Classic FICO.

For Oklahoma first-time buyers, that could mean:

• More than one way to evaluate your credit history
• A potentially broader look at responsible credit behavior
• New options for some borrowers with limited credit history
• A reason to stay informed, but not assume automatic approval

My Take: Having limited credit accounts or a shorter credit history does not automatically mean you have poor credit. The new models may evaluate certain credit behaviors differently, but your full application, income, assets, debts, and FHA guidelines will still matter.

This is a change to watch, not a guarantee that every thin-file borrower will qualify.

Check your options now at TravisJenkinsHomeLoans.com or send me a DM. NO SPAM, just a private conversation about your next step.

Think about the mortgage rate you locked in. If it's low, you're holding some of the cheapest borrowing you'll ever have...
10/14/2026

Think about the mortgage rate you locked in. If it's low, you're holding some of the cheapest borrowing you'll ever have access to. The trick is knowing how to use it without giving it up.

Here's a scenario I see more than you'd think: a homeowner with a great first-mortgage rate, plenty of equity built up, and credit card balances charging interest that stings every month. Refinancing would mean swapping that low rate for today's rates, which often isn't worth it.

A home equity line of credit (HELOC) can be a different path. It lets you tap the equity you've built to pay down high-interest debt, while your original first mortgage stays exactly as it is. You keep your low rate, and you may be able to cut what you pay in interest each month.

It's not automatically the right move for everyone. Your income, equity, credit, and debt picture all matter, and I'd rather walk you through the numbers than guess.

If you're curious whether a HELOC could work for your situation, reach out for a free purchase loan analysis, or send me a message and we can talk through your options in plain language. No pressure, just clarity.

Address

629 W. Main Street, Suite 215
Oklahoma City, OK
73102

Telephone

+14055701147

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