Texas Mortgage Associates

09/08/2026

Let’s talk DTI—and what that little percentage actually means.

DTI = Debt-to-Income Ratio.

In simple terms, it compares certain monthly debt obligations with your gross monthly income—the amount you earn before taxes and other deductions.

Depending on the circumstances, debts considered in the calculation may include:

• Housing expenses
• Auto loans
• Student loans
• Minimum credit card payments
• Other qualifying recurring debt

Why does it matter?

DTI is one of the factors a lender may evaluate when reviewing a mortgage application. But here's what we really want homebuyers to understand:

Your DTI is one part of a much bigger financial picture.

Different mortgage programs can have different requirements, and other factors may be considered when determining eligibility.

So before an online DTI calculator convinces you that you know the answer, talk with someone who works with mortgages every day.

We’ll help you understand what the numbers actually mean for your situation.

📞 409-727-HOME
🌐 www.setxhome.com

Texas Mortgage Associates
…for Your Homegrown Home Loan.

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

09/07/2026

🇺🇸 This Labor Day, we celebrate the hard work, dedication, and determination of the people who help build our communities — and make Southeast Texas such a special place to call home.

In observance of Labor Day, Texas Mortgage Associates will be closed Monday, September 7th. Our team will return Tuesday, September 8th, ready to help you take the next step toward homeownership.

Enjoy a safe and relaxing Labor Day! ❤️🤍💙

📞 409-727-HOME
🌐 www.setxhome.com

Texas Mortgage Associates
…for Your Homegrown Home Loan.

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

09/03/2026

📢 Got a Mobile Home that has been moved more than once? 📢Freddie Mac adjusted their guidelines effective YESTERDAY to allow 20% down now on single, double and triple wides (if you got 'em) for a Conventional loan. Before they would only finance Manufactured Home if it had only been moved from the dealership to its current location. THIS IS HUGE!!!
Call us today (409) 727- HOME

09/03/2026

🏙️ It’s National Skyscraper Day!

Nobody starts with the top floor.

Big things are built one level at a time — and homeownership can work the same way. 🏡

Maybe you’re ready to buy now. Maybe you need to work on a few things first. Either way, the best place to start is by finding out where you stand and what your next step could be.

You bring the homeownership goals. We’ll help you build the plan.

📞 409-727-HOME
🌐 www.setxhome.com

Texas Mortgage Associates
…for Your Homegrown Home Loan.

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

09/02/2026

🏡 HOUSE HUNTING? KEEP YOUR PRE-APPROVAL IN THE LOOP.

Getting pre-approved is a great first step—but it isn’t something you tuck away and forget about while you shop.

Changes to your income, debts, employment or finances can affect your home loan. And if your home search takes a little longer than expected, your lender may need updated information along the way.

Before making a major financial move while house hunting, give us a call. A quick conversation now could help keep things moving smoothly when you find the one.

📞 409-727-HOME
🌐 www.setxhome.com

Texas Mortgage Associates..for Your Homegrown Home Loan.

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

09/01/2026

SEPTEMBER STARTS TODAY. 🏡

If buying a home is something you’ve been saying you’ll do “eventually,” maybe September is the month to turn eventually into a plan.

You don’t need to have every answer before you call us. That’s our job.

We’ll help you understand your mortgage options, what you may qualify for, and what steps make sense for you — so when the right home comes along, you’re ready.

📞 409-727-HOME
🌐 www.setxhome.com

Texas Mortgage Associates..for Your Homegrown Home Loan.

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

08/27/2026

🏡 **YOU DON’T HAVE TO BE “MORTGAGE READY” BEFORE YOU CALL.**

Think you need perfect credit, a huge down payment, and every detail figured out before talking to a lender?

You don’t.

The mortgage conversation can start **before** you’re ready to buy. Understanding where you stand today can help you make a better plan for tomorrow.

Our team can help you understand your options, answer your questions, and identify the next steps for your individual situation.

**Don’t guess. Get answers.**

📞 409-727-HOME
🌐 [www.setxhome.com](http://www.setxhome.com)

Texas Mortgage Associates
*...for Your Homegrown Home Loan.*

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

08/25/2026

🏡 You only get ONE. What’s it going to be?

🌳 Big backyard
🍳 Dream kitchen
🛁 Spa-worthy bathroom
🚗 Extra garage space

Which one is your absolute must-have in a home? Tell us in the comments! 👇

When you're ready to turn that wish list into a home search, start with the financing side. Give Texas Mortgage Associates a call and let's talk about your home loan options.

📞 409-727-HOME
🌐 www.setxhome.com

Texas Mortgage Associates — ...for Your Homegrown Home Loan.

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

08/24/2026

🏡 MONDAY MORTGAGE CHECK-IN

If buying a home has been sitting on your “someday” list, maybe Monday is a good day to find out what it would actually take to get there.

You don’t need to know all the answers before talking to a mortgage professional. That’s our job.

We can help you better understand:
• How much home may fit your budget
• What loan options may be available
• How much you may need for a down payment
• What steps could help you prepare to buy

One conversation can give you a much clearer picture of where you stand and what comes next.

📞 409-727-HOME
🌐 www.setxhome.com

Texas Mortgage Associates..for Your Homegrown Home Loan.

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

08/19/2026

🚫 UNDER CONTRACT? HERE’S WHAT NOT TO DO BEFORE CLOSING.

Getting an accepted offer is exciting—but you’re not quite at the finish line yet. Until your home loan closes, changes to your finances can create complications.

Before closing, avoid making major financial moves without talking to your loan officer first:

❌ Don’t open new credit cards or lines of credit.
❌ Don’t finance a new car, furniture or appliances.
❌ Don’t make large purchases on existing credit cards.
❌ Don’t change jobs or how you’re paid without discussing it with your lender.
❌ Don’t move large amounts of money between accounts without keeping documentation.
❌ Don’t make large cash deposits that can’t be properly documented.
❌ Don’t co-sign a loan for someone else.
❌ Don’t skip or make late payments—even if closing is right around the corner.

🏡 The safest rule? If you’re considering ANY financial change before closing, call your loan officer first.

A five-minute conversation now could save you a major headache later.

📞 409-727-HOME
www.setxhome.com

Texas Mortgage Associates..for Your Homegrown Home Loan.

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

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