Common Cents Mortgage, PLLC

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Common Cents Mortgage, PLLC Purchase | Refinancing | All residential properties
License to originate in Texas | Georgia | Florida

10/19/2026

Rate Locks Protect Home-Loan Budgets | Brokerage NMLS ID: 2571937

First-time homebuyers could get $50,000 under new billThere’s a new bill on the table that could really change the game ...
10/17/2026

First-time homebuyers could get $50,000 under new bill
There’s a new bill on the table that could really change the game for first-time homebuyers: it proposes up to $50,000 in federal matching funds for down payments, using a 5-to-1 match structure. To qualify, buyers would need to complete counseling and limit their purchase to homes at or below the median price. While the goal is to make homeownership more attainable, some critics are concerned that this may drive up prices if housing supply doesn’t increase. As someone dedicated to guiding clients through every step of the mortgage process, I always keep an eye on these developments to help homebuyers navigate their options with confidence.


https://www.housing-trends.com/agent-news/victor-nassar/2113999-First-time-homebuyers-could-get-%2450%2C000-under-new-bill

How FHA loans make owning a home more accessible to some buyersFHA loans can open the door to homeownership for buyers w...
10/16/2026

How FHA loans make owning a home more accessible to some buyers
FHA loans can open the door to homeownership for buyers who might not have perfect credit or substantial savings. With a down payment as low as 3.5%, these loans are often an option for individuals who need a more accessible path to buying a home. It’s important to understand, though, that FHA loans come with mortgage insurance premiums, as well as property and loan limits, and they can carry higher long-term costs compared to conventional options. As someone who specializes in residential lending at Common Cents Mortgage, I always help clients fully weigh these factors so they can make informed, confident decisions about their financing choices.


https://www.housing-trends.com/agent-news/victor-nassar/2106659-How-FHA-loans-make-owning-a-home-more-accessible-to-some-buy

Smaller Down Payments Give Buyers More Room, But Rates Limit The SavingsIn Q2 2026, the typical homebuyer put down $27,1...
10/15/2026

Smaller Down Payments Give Buyers More Room, But Rates Limit The Savings
In Q2 2026, the typical homebuyer put down $27,100—a low we haven't seen since 2021. This is a direct result of increased listing inventory and more accessible prices, giving buyers some additional flexibility at the outset. However, it's important to keep in mind that higher mortgage rates are still driving up those monthly payments. As someone who works closely with clients navigating purchase, refinance, and specialized loan options, I see every day how much local market conditions can influence your down payment strategy. Staying informed about these shifts can make a real difference in your homebuying experience.


https://www.housing-trends.com/agent-news/victor-nassar/2114001-Smaller-Down-Payments-Give-Buyers-More-Room%2C-But-Rates-Limit

10/14/2026

Homebuyers Can Shape Their Mortgage Rate | Brokerage NMLS ID: 2571937
I recently came across an analysis of 1.35 million US purchase loans from early 2023 through late 2025, and the findings really underscore something I see every day in my work at Common Cents Mortgage: homebuyers have more influence over their mortgage rate than they often realize. Even within the same month, borrowers’ rates varied widely—the middle 80% landed in a 93-basis-point range, which, for someone with a $2,000 monthly budget, can mean a difference of around $28,400 in home price.

Your credit score is the single most important factor—raising it from the high 600s to a 720 can make a notable difference, especially at key breakpoints like 700 and 720. But the most immediate way to gain an edge is to comparison shop. In retail lending, a highly competitive lender can beat a typical one by 19 basis points, translating to about $5,800 in savings. Interestingly, putting 20% down doesn’t shift your rate much—just 0.7 basis points—but it does help you avoid mortgage insurance, which is where the real savings kick in.

Understanding these nuances is central to making the most of your home financing options.

10/13/2026

Smart Home Buying Tips With Current Mortgage Rates
With mortgage rates holding steady above 7%—the 30-year fixed currently at 7.12%—many buyers are wondering how to navigate the market. While inflation and recent Fed hikes have kept rates elevated, there’s an opportunity hidden in the numbers: fall home prices are about 5% lower than summer levels. This seasonal drop, combined with a slower market and growing inventory, opens the door for stronger negotiations. As someone who works daily with residential buyers, I’ve seen how these shifts can benefit those who approach financing and offers strategically. Keeping a close eye on both rate trends and local pricing can make all the difference during times like these.

10/12/2026

Closing Costs Can Reach 5% of Your Loan | Brokerage NMLS ID: 2571937
As someone who’s worked with countless homebuyers at Common Cents Mortgage, I often see closing costs catch people off guard. These are upfront expenses—totally separate from your down payment—that can run anywhere from 2% to 5% of your loan amount (not the home’s purchase price). They cover everything from lender origination and underwriting fees, to appraisals, inspections, title work, attorney’s fees, and initial escrow funding. While buyers are usually responsible for the majority of these costs, sellers may cover their own fees, and in some markets, you might see concessions that offset your expenses—sometimes reflected in a higher offer price. My advice? Always compare lender estimates, dig into your final disclosure as early as possible, and don’t hesitate to ask about potential credits or assistance. A careful review can help you avoid duplicate charges and protect those hard-earned savings. A little preparation can make a big difference in the closing process.

10/11/2026

Honoring the Significance of Indigenous Day | Brokerage NMLS ID: 2571937

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1346 Broadway Street Suite 104
Pearland, TX
77581

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