Tracy Walden Home Loans

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Tracy Walden Home Loans Mortgage advisor at The Mortgage Nerd Group
NMLS #1048123

10/20/2026

Did you know your parents or grandparents can help with your down payment straight from their IRA, without the 10% early withdrawal penalty?
Each one can use up to $10,000 (once in their lifetime) for a child or grandchild buying their first home. And no, the gift almost never triggers gift tax. It’s usually just paperwork.
One important note: it’s penalty-free, not tax-free, so they’ll want to check with their CPA first.
Tag someone who’s been talking about buying, or send me a message and let’s map out your plan!



Not tax advice. Tracy Walden | NMLS # 1048123 | The Mortgage Nerd Group by AML Lending NMLS 1910591 | Equal Housing Opportunity

09/25/2026

People often ask what financially prepared homebuyers do differently.
The answer usually isn't that they earn dramatically more.
They've built habits that give them options.
The buyers who feel the most confident during the home buying process often have these four habits in common:
• They review their money consistently instead of avoiding it.
• They save with a purpose, not just whenever something is left over.
• They spend intentionally because every financial decision supports a bigger goal.
• They prepare for unexpected expenses before they become emergencies.
None of those habits require perfect timing… They require consistency.
September is a great time to reset financial routines. Summer vacations are winding down, school schedules are back, and many families begin thinking about buying next year. The small decisions you make now can have a much bigger impact than waiting until you're ready to write an offer.
Mortgage readiness isn't created a month before closing. It's built over time.
So – please share in the comments or privately… Which habit are you focusing on before the end of the year?

Sometimes moving isn't about upgrading… Sometimes it's about starting a new chapter.Maybe the kids have moved out.Maybe ...
09/15/2026

Sometimes moving isn't about upgrading… Sometimes it's about starting a new chapter.
Maybe the kids have moved out.
Maybe aging parents need to be closer.
Maybe a new job changed everything.
Maybe you're simply ready for a different lifestyle than the one that fit five or ten years ago.
Real estate decisions are rarely just about bedrooms and square footage.
They're about life.
One thing we've noticed is that families who make the smoothest transitions usually start planning well before they list a home or begin touring the next one.
Understanding your equity, your financing options, and your timeline early creates flexibility later.
A smart mortgage plan is designed to help you build the life you want to live that fits where you are today while also leveraged for your future.
What's one life change that would make you consider moving?

09/08/2026

2 years from now, what do you want your housing story to look like?
There's no universal answer because every family's situation is different.
For some people, renting is absolutely the right decision. It provides flexibility, fewer maintenance responsibilities, and may fit their current stage of life.
For others, homeownership becomes part of a longer financial plan by creating stability, building equity over time, and giving them more control over where they live.
The real question isn't "Should everyone buy?"
It's "When does buying become the smart move for you?"
That's why we spend more time talking about your goals than today's payment.
A mortgage should support your life, not complicate it.
If buying is part of your future, building a strategy now can put you in a stronger position when the timing is right.

Where do you hope to be two years from today?

Home appreciation, equity growth, and future financial outcomes vary based on market conditions, loan terms, and individual circumstances.

09/01/2026

I just helped this client save so much money! When you buy a home, you need to look all of your financials to know what strategy makes the best sense for you.
I absolutely LOVE saving money for clients. If you know anyone that is thinking of buying or selling, please send them my way so they can have a true advisor in their corner!!

Mortgage myths can be expensive.One of the biggest misconceptions we hear is that you need a perfect financial situation...
08/19/2026

Mortgage myths can be expensive.
One of the biggest misconceptions we hear is that you need a perfect financial situation before talking with a mortgage advisor.
You don't.
Many buyers are surprised to learn there may be more options available than they expected.
A conversation early in the process can help you understand where you stand, what improvements may help, and what your next Smart Move looks like.
Questions are free.
Waiting for "perfect" often isn't.
Have you ever believed a mortgage myth that turned out to be false?

Mortgage rates hit an 11 month high… and that’s what everyone will be posting. But that is doom and gloomy and mortgage...
07/23/2026

Mortgage rates hit an 11 month high… and that’s what everyone will be posting.
But that is doom and gloomy and mortgage rates are only PART of the equation. Our job is to keep the perspective on what buying can do to someone’s wealth 💪🏼

Most people don’t know this… but mortgage rates move every day just like a stock price.

The Apple stock price at the start of this year was $260 and today it is around $325. What if you bought the stock at $275… would you be disappointed you didn’t buy at the LOWEST point even though it’s worth more today? Like… a lot more?

Sure, we all want to buy at the lowest but none of us can time the market. We’re not wizards 🧙

People who bought a home last year for $500,000 - this home or “stock price” could be worth $15,000 more today based on a 3% increase in value.

Did your boss give you a $15,000 bonus?
Did your 401k balance increase $15,000?
Did your apartment earn you $15,000?
Do you have passive income from a diff asset group that made you $15,000?

$15,000 over 5 years is $75,000.

Yes, you will pay some sort of interest rate to borrow the money (which is tax deductible) but my point is - don’t let these small fluctuations in rate derail your financial goals. We can’t time the market - but you make your money with TIME IN THE MARKET.

- 🤓

Imagine finding the perfect home... Only to realize you couldn’t make an offer because you don’t have a Pre-Approval let...
07/13/2026

Imagine finding the perfect home... Only to realize you couldn’t make an offer because you don’t have a Pre-Approval letter.

If you’re starting to browse online – it means you’re ready.

4 out of the last 5 years… conventional mortgage rates have averaged over 6.5% A house worth $500,000 and a growth rate ...
07/03/2026

4 out of the last 5 years… conventional mortgage rates have averaged over 6.5%

A house worth $500,000 and a growth rate of 3%… earns you $15k in equity

Paying $2,000 a month in rent… for another year… is $24,000

If you buy a house today and rates go down - we can redo the mortgage and drop your rate and payment. (We do this for $0 out of pocket)

Being nervous to buy a home is normal… it’s a big decision. Just don’t let those nerves paralyze you in staying put and delaying your financial freedom.

There is so much information online about buying a home that it can leave people feeling confused, overwhelmed, and stuc...
04/21/2026

There is so much information online about buying a home that it can leave people feeling confused, overwhelmed, and stuck.

One article says wait.
One video says buy now.
One friend says you need perfect credit, a huge down payment, and every document ready before you even make a move.

That kind of noise can lead to decision paralysis.

The truth is, every buyer’s situation is different. Your goals, timeline, income, credit, and comfort level all matter. That is why the best first step is not guessing. It is having a conversation with a professional who can help you understand what may work best for you.

You do not need to have everything figured out before you call.

Sometimes, one simple phone call is all it takes to feel empowered, get clarity on your next steps, understand what your timeline could look like, and learn what options may be available to you.

DM me today and let’s set up a call to talk through your specific scenario.

Address

2550 E. State Highway 121 #5
Plano, TX
75056

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm

Telephone

+12149299253

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