Chris Madrid, "Your Loan Guy", NMLS 621454, CapRock Home Loans

03/30/2026

QUOTE OF THE WEEK:
“Success usually comes to those who are too busy to be looking for it.”—Henry David Thoreau, Essayist, poet, and philosopher

03/27/2026

Here's your Friday update!

03/23/2026

QUOTE OF THE WEEK:
“Do not wait to strike till the iron is hot, but make it hot by striking.”—William Butler Yeats, Irish poet, writer, and literary critic

03/16/2026

DID YOU KNOW…Active housing inventory is now higher than last year, giving buyers more negotiating power and creating stronger opportunities for financing conversations during peak spring home shopping months.

03/11/2026

DID YOU KNOW…Lower mortgage rates over the past year have increased buying power by roughly $30,000 for the median-income household, according to Zillow housing data

02/10/2026

01/16/2026

QUOTE OF THE WEEK:

““There are lots of people who mistake their imagination for their memory.”—Josh Billings, 19th century American humorist and lecturer

12/05/2025

🗓️Here’s a few really good reminders about protecting your identity!

🖥️Guard your Social Security Number. It’s like a master key to your personal data. When asked for it, find out why it’s needed and how they protect it. Don’t carry your card with you, store it securely. Shred paperwork that shows it.

📲Use strong passwords and two-factor authentication. Create complex passwords. Don’t reuse them. Employ two-factor authentication when offered, or add an authenticator app. Don’t depend on security questions to protect your accounts. Don’t give clues about how you answered security questions on social media.

💻Watch for phishing and spoofing. Scammers call and email you posing as government agencies and legitimate businesses. The IRS does not telephone or email you; they only communicate by mail. Don’t click links in emails or open attachments you aren’t expecting. If you think the email is legit, go to the sender’s website and call or email them there to confirm.

11/17/2025

NATIONAL MARKET UPDATE:

The Mortgage Bankers Association (MBA) noted homebuying got off to its strongest November start in three years, as applications for purchase mortgages shot up 6% last week, coming in 31% higher than the same week a year ago.

The National Association of Realtors (NAR) reports more listings, and “with prices holding steady and homes spending slightly longer on the market, buyers will find more breathing room and more favorable conditions like price cuts.”

The MBA’s Mortgage Credit Availability Index rose in October to its highest level in three years. This expansion in mortgage availability was driven by growth in the conventional mortgages backed by Fannie Mae and Freddie Mac.

06/02/2025

Check it out! Whether it’s on your newsstands or in your mailbox, I’ll be appearing as a Five Star award-winning Mortgage Professional in the June issue of Texas Monthly!

05/13/2025

DID YOU KNOW… First American Data & Analytics reported the rate of home price growth in March hit a 13-year low, up just 1.8%, noting “household income growth is now outpacing house price appreciation,” increasing affordability.

05/05/2025

‼️NATIONAL MARKET UPDATE‼️

🏠Pending Homes Sales spiked 6.1% in March, posting the biggest monthly gain since 2023. The National Association of Realtors said this rise in signed contracts on existing homes “implies a sizable build-up of potential home buyers.”

🏡Realtor.com reports that the supply of homes for sale hit a post-pandemic high in April—rising 30.6% in the last year. That surpassed April 2020 levels, while inventory grew for the 18th month in a row.

🎢Both the Case-Shiller and FHFA home price indexes posted 3.9% annual gains in February. But the pace of home price growth is starting to slow, moderating from the rapid increases seen in previous years.

Search homes for sale, new construction homes, apartments, and houses for rent. See property values. Shop mortgages.