Charles Jones, Jr., Arvest Bank, Sr. Mortgage Banker

07/15/2026

🏡🔑THANK YOU to my clients for chosing me to help with your home purchase and mortgage refinance. Whether you were buying your dream home, lowering your monthly payment, or taking steps toward a stronger financial future, it was truly an honor to guide you through the process.

Congratulations to both of you on your new home and your financial wins! 🏡🔑 Wishing you many years of happiness and success in this next chapter.

If you or someone you know is thinking about buying a home, refinancing, or simply exploring your mortgage options, I'd love the opportunity to help make those goals a reality.

07/03/2026

🏡🔑 Congratulations to my first-time home buyer on purchasing his very first home!

There’s nothing quite like getting the keys to your first house and taking that big step toward building your future. Thank you for trusting me and allowing me to partner with you throughout this exciting journey. It was truly an honor to help make your dream of homeownership a reality.

Wishing you many years of happiness and memories in your new home. Thank you again for the opportunity to be part of such a special milestone! 🏠🎉

07/01/2026

🏡 Feeling incredibly grateful today! Last week has been one of the busiest weeks I had in awhile.

A huge THANK YOU to all of my clients who trusted me to partner with you on your home purchases and mortgage refinances.

Whether it was helping you buy your dream home, refinance to save money, or create a better financial future, I truly appreciate the opportunity to guide you through the process.

Your trust, referrals, and support mean the world to me and my business. Thank you for allowing me to be a part of your journey and for choosing me as your mortgage partner.

Congratulations to each of you on your new beginnings and financial wins! 🏠🔑

If you or someone you know is thinking about buying a home or refinancing, I'd love the opportunity to help make those goals a reality.

05/21/2026

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05/11/2026

ATTENTION HOMEOWNERS:

There’s a growing conversation that the U.S. government may use a strategy called “financial repression” to shrink America’s $39 trillion debt problem.

This isn’t a conspiracy theory. The U.S. already used financial repression after World War II when government debt exploded. Instead of paying off the debt directly, they held interest rates low for years while inflation and wages slowly inflated the debt away.

Now people are wondering if history is about to repeat itself.

The speculation started heating up because Kevin Warsh has publicly spoken about financial repression before, and many believe that if leadership at the Federal Reserve changes, we could see aggressive rate cuts again.

Think about what happened after COVID:

Interest rates collapsed.
Money flooded the system.
Inflation skyrocketed.
Wages went up.
And suddenly, fixed-rate debt from before 2022 started looking CHEAP.

A $2,500 mortgage payment locked in before inflation now feels way smaller compared to today’s cost of living.

That’s the entire idea behind financial repression:
inflate the economy faster than fixed debt grows.

If this happens again, here’s how it could play out:

• Inflation cools temporarily
• The Fed cuts rates
• Institutions are pressured to buy U.S. bonds so the government can finance its debt
• Mortgage rates fall
• A new window opens to refinance or lock in long-term fixed debt
• Then inflation, wages, and asset prices rise again over time

And if that cycle repeats…
your fixed-rate mortgage payment could eventually feel insignificant compared to future wages and future inflation.

That’s why so many investors believe real estate and long-term fixed debt become extremely valuable during periods of financial repression.

The big question is:
Would this save America financially…
or quietly destroy the purchasing power of the middle class?

04/27/2026

🏡 Zillow Review ⭐️⭐️⭐️⭐️⭐️

If you or anyone you know is thinking about refinancing or exploring new mortgage options, I’m always here to help 24/7 and serving 46 States!

04/27/2026

🏡Homebuyers with Bitcoin or USDC may soon be able to use their crypto as collateral for a mortgage down payment without selling their tokens. Better Home & Finance Holding Co. plans to roll out the crypto-backed mortgage in the next three months through a partnership with Coinbase.

The pitch is simple: qualified borrowers can pledge Bitcoin or USDC, transfer it to Coinbase as collateral, and avoid selling crypto that could rise later. The catch is just as real: if borrowers fail to make mortgage payments for 60 days, their crypto collateral could be liquidated.

Better says the mortgage is designed under Fannie Mae guidelines, which could make it eligible for lower interest rates than other crypto backed loans. The article also notes crypto is still rare in homebuying, only 1% of buyers who made a down payment in a National Association of Realtors survey said they used proceeds from selling crypto.

Would you ever use crypto as collateral to buy a home?

Source:

The mortgages will be guaranteed by Fannie Mae and Freddie Mac via a new product by Better Home and Finance and Coinbase.

04/22/2026

🚨 BREAKING: Federal housing agencies are rolling out new credit scoring models for mortgages a major shift in how borrower risk is evaluated.

The update introduces FICO 10T and VantageScore 4.0 for FHA loans, while Fannie Mae and Freddie Mac are launching a pilot program using VantageScore 4.0, with future expansion planned.

The move is designed to modernize underwriting, reduce costs and expand access to credit including recognizing on-time rent payments as part of a borrower’s profile.

04/17/2026

🏡A great day so far for anyone watching mortgage rates.

Mortgage interest rates are moving in the right direction again as oil prices tumble and inflation fears start cooling off. With Iran announcing the Strait of Hormuz is open during the ceasefire, the market is pricing in less pressure on energy costs, and that is helping the 10-year Treasury come down. Since mortgage rates are heavily influenced by the bond market, this is giving borrowers a little breathing room again. Reuters reported oil dropped sharply today and Treasury yields also moved lower, while Freddie Mac’s latest weekly survey showed the average 30-year fixed mortgage at 6.30%.

I’ve said before that if mortgage spreads keep improving, we may not need the 10-year Treasury to fall below 4% to see some lenders price closer to the low-6% range again. We are not fully under 6% across the board yet, but the trend is improving. That matters for buyers, sellers, and homeowners thinking about refinancing.

Cross your fingers that the ceasefire holds and inflation pressure keeps easing.

04/11/2026

🏡 Most new homeowners do not realize there is another property tax bill that can show up after they buy a home, and it is called a supplemental tax bill.

A lot of people think, “I already pay property taxes in my mortgage payment, so this must be a mistake.” It is not. Your regular mortgage payment usually covers your ongoing property tax cycle, but the supplemental tax bill is separate. It is based on the difference between the home’s old assessed value and your new purchase price.

Example: if you buy a home for $1,000,000 and the last assessed value was $500,000, the county may calculate a supplemental tax bill on that $500,000 difference. If the tax rate is around 1%, that could mean about $5,000 due.

The biggest mistake homeowners make is ignoring that letter in the mail because they think it is already included in their payment. It is not. Open it, review it, and pay it on time so it does not turn into a bigger problem.

Hopefully this helps you understand what a supplemental tax bill is and why homeowners need to watch for it after buying a home.