Texas Mortgage Associates

11/04/2026

🔐 MORTGAGE MINUTE | A Rate Lock Isn't Forever!

When you lock your mortgage interest rate, you're securing that rate for a specific period, subject to the terms of your lender's agreement.

Why does that matter?

Mortgage rates can change while you're working toward closing. A rate lock can provide some protection against those fluctuations.

But there are a few details buyers should understand:

📌 Your lock has an expiration date.

📌 Your loan must meet the conditions of the lock agreement.

📌 Changes to your loan details may affect your locked rate.

📌 Extensions may come with additional costs.

And if market rates drop after you've locked? A lower rate isn't automatically guaranteed.

At Texas Mortgage Associates, we believe understanding these details is just as important as understanding the rate itself.

📞 Let's talk mortgages! 409-727-HOME
🌐 www.setxhome.com
..for Your Homegrown Home Loan.

US Financial Group Inc. | NMLS #87325
Equal Housing Lender

Shop for your new home loan or refinance an existing mortgage in Texas. We offer many lending options with great rates and exceptional service.

11/02/2026

🏡 A new month. A fresh opportunity to get your homebuying plans moving!

With November underway and the holidays approaching, it's easy to push big decisions into the new year.

But you don't have to be ready to buy tomorrow to benefit from a mortgage conversation today.

Whether you're considering a move this winter or setting your sights on 2027, Texas Mortgage Associates can help you explore your financing options and understand what comes next.

📞 Make November the month you start planning. Call 409-727-HOME!
🌐 www.setxhome.com
..for Your Homegrown Home Loan.

US Financial Group Inc. | NMLS #87325
Equal Housing Lender

10/31/2026

🍬 The sweetest Halloween memories are made at home!

From decorated front porches and neighborhood trick-or-treating to family movie nights and bowls of candy, home is where so many of our favorite traditions begin.

Texas Mortgage Associates wishes all our Southeast Texas families a safe, fun, and Happy Halloween! 🎃

Thinking about finding a new place to call home? We'd love to help you explore your mortgage options.

📞 409-727-HOME
🌐 www.setxhome.com
..for Your Homegrown Home Loan.

US Financial Group Inc. | NMLS #87325
Equal Housing Lender

10/30/2026

🏡 The weekend house hunt starts before you walk through the front door.

It's easy to fall in love with a beautiful kitchen, a big backyard, or the perfect front porch. But before you start making offers, there's something even more important to know.

What does the financing look like for YOU?

Understanding your budget, estimated monthly payment, and potential loan options can help you shop with greater confidence.

Whether you're ready to buy or just beginning to explore, Louisiana Mortgage Associates is here to help you take that first step.

📞 Don't spend another weekend guessing. Call 337-310-HOME!
🌐 www.swlahome.com
..for Your Homegrown Home Loan.

US Financial Group Inc. | NMLS #87325
Equal Housing Lender

10/29/2026

💰 The price of the house isn't the whole picture.

One of the most important parts of buying a home is understanding what your actual monthly housing expenses could look like.

Your mortgage payment may include principal, interest, property taxes, homeowners insurance, and mortgage insurance when required.

And depending on the property, there may be other expenses to consider, including HOA dues, maintenance, and utilities.

In Texas, property taxes and insurance can make a significant difference in your monthly housing budget.

That's why understanding the full cost before making an offer is so important.

🏡 At Texas Mortgage Associates, we'll help you review your financing options and estimated mortgage payment so you can make informed decisions.

📞 Call 409-727-HOME and let's get started!
🌐 www.setxhome.com
..for Your Homegrown Home Loan.

US Financial Group Inc. | NMLS #87325
Equal Housing Lender

Shop for your new home loan or refinance an existing mortgage in Texas. We offer many lending options with great rates and exceptional service.

10/28/2026

👻 Some mortgage myths have been haunting homebuyers for years!

Think you need a huge down payment? Perfect credit? Or that renting is your only option until you've saved 20%?

Not necessarily!

Different mortgage programs have different qualifications, and what works for one buyer may look completely different for another.

Don't let assumptions make your homebuying decisions for you.

🏡 Let Texas Mortgage Associates help you separate mortgage myths from the facts and explore the financing options that may fit your situation.

📞 Call 409-727-HOME
🌐 www.setxhome.com
..for Your Homegrown Home Loan.

US Financial Group Inc. | NMLS #87325
Equal Housing Lender

10/20/2026

📖 The next chapter of your story could start with a new address.

Today is National Day on Writing, and it's a good reminder that every homeowner has a story.

For some, it's the excitement of buying their very first home. For others, it's finding a place that better fits the life they're building.

At Texas Mortgage Associates, we believe understanding your mortgage options is an important part of writing that next chapter.

You bring the plans. We'll help you explore the financing possibilities.

📞 Let's get your story started! Call 409-727-HOME.
🌐 www.setxhome.com
..for Your Homegrown Home Loan.

US Financial Group Inc. | NMLS #87325
Equal Housing Lender

10/19/2026

🔑 MORTGAGE MYTH MONDAY
❌ MYTH: If your credit isn't excellent, homeownership is out of reach.

✅ FACT: There isn't one universal credit score requirement for every mortgage program.

Your credit history is important, but lenders look at more than just a number. Income, debt-to-income ratio, employment, and the type of loan you're considering can all play a role.

The biggest mistake? Assuming you won't qualify without ever having the conversation.

Before you count yourself out, let's look at the possibilities.

📞 Call Texas Mortgage Associates at 409-727-HOME to discuss your financing options and next steps.

🌐 www.setxhome.com

Texas Mortgage Associates..for Your Homegrown Home Loan.

US Financial Group Inc. | NMLS #87325
Equal Housing Lender

10/15/2026

🍂 Six weeks until Thanksgiving, and the holiday season is right around the corner!

Maybe you're dreaming of hosting the holidays in your own home someday. Maybe you're ready for more space, a different neighborhood, or simply a place that better fits your family.

Whatever your reason, you don't have to wait until January to start exploring your options.

A conversation today can help you understand your budget, potential loan programs, and the steps involved in buying a home.

📞 409-727-HOME
🌐 www.setxhome.com

Texas Mortgage Associates..for Your Homegrown Home Loan.

10/13/2026

🔑 Preapproved doesn't mean you're finished with the mortgage process.

In fact, some of the most important decisions happen between preapproval and closing.

Keep these four things in mind:

✔️ Don't take on new debt without talking to your lender.
✔️ Keep your financial documentation organized.
✔️ Avoid major changes to your employment or income without discussing them with your lender.
✔️ Stay in communication as your loan moves through underwriting.

The goal isn't just to get preapproved. It's to make informed decisions all the way to the closing table.

Texas Mortgage Associates is here to help you understand each step.

📞 409-727-HOME
🌐 www.setxhome.com
..for Your Homegrown Home Loan.