Lacey Agans, Mortgage Loan Originator, NMLS #811735

06/08/2026

Interior Design Trends 2026 🤎🤎

06/03/2026

Top 5 Concerns Home Buyers Have Right Now!

Most buyers ask these 5 questions. The good news: most buyers have more options than they realize.

🖤Let’s talk affordability: down payment, monthly payment, closing cost.
🖤Will you qualify: credit score requirements, income verification.
🖤Interest rate: impact on monthly payment, rate changes.
🖤How much cash: down payment options, first-time home buyer programs.
🖤Is this the right time: home prices, interest rate environment, fear of waiting versus buying now.

Send me a message if you’d like to see what you qualify for before you start house hunting.

05/20/2026

Trying to time the market perfectly can be frustrating, full of missed opportunities and disappointment.

The right time to buy is when the payment makes sense for your budget and the home fits your goals. Every buyer’s situation is different which is why having a strategy matters as well as a trusted expert, team & friend in your corner.

Thinking about buying this year? Let’s talk through your options. 📲

Lacey Agans
Loan Officer
NMLS:811735
District Lending

04/09/2026

There are a bunch of persistent credit myths that trip up buyers when trying to get approved for a home.

🏠Closing old accounts improves your score🏠

Myth: Fewer accounts = better credit.
Reality: Closing old accounts can hurt you by shortening your credit history and increasing your credit utilization ratio.

03/30/2026

The biggest mistake isn’t picking the “wrong lender” it’s thinking the lowest rate quote is actually the cheapest loan.

That sounds simple, but it trips up a lot of buyers.

The #1 mistake: Comparing rates without the full cost structure. A mortgage rate can be artificially lowered by:
▪️Paying points (prepaid interest)
▪️Higher lender fees
▪️Temporary rate buydowns
▪️Assumptions that don’t match your real scenario

So one lender might quote:
6.125% with $8,000 in fees

Another:
6.375% with $1,500 in fees

The first looks better -but may cost more unless you keep the loan long enough.

Lacey Agans
Mortgage Loan Advisor
NMLS:811735

03/05/2026

Prepare to be amazed! 🤩 Check out this fantastic 4 bed, 3 bath residence now for sale in Encanto Norte!

🏠OPEN HOUSE Sunday (March 8th)
🕕12pm-3pm.

▪️Owned Solar
▪️3 car garage w/built-in cabinets
▪️Updated Kitchen
▪️3,562 SQFT
▪️Expansive backyard with a pool

LISTED AT: $1,649,000

✨We will be onsite for any questions and to take a tour of this beautiful home.✨

01/15/2026

NEW LISTING / OPEN HOUSE!
Sat-Jan 17th (12-2pm)
3 Bed / 2 Bath
Offered at: $485,000

This fabulous single-story home offers a desirable North/South exposure! Well-maintained interior features new wood-look tile flooring, plantation shutters, and neutral tone. Harominous open floor plan with newly added folding glass doors to the back patio ensures an effortless indoor-outdoor living experience. Lovely kitchen comes with a pantry, ample cabinets, recessed lighting, stainless steel appliances, granite counters, and a prep island with a breakfast bar. Sizable main bedroom includes a walk-in closet and a bathroom with a glass step-in shower. Make the flexible den an extra bedroom, office, or media space. Continue to the spacious backyard to find a covered patio perfect for unwinding.

https://www.flexmls.com/link.html?1z56f0blmh2y,12,1

Don't miss it! 🏠

12/15/2025