Paul Fugett NMLS 212992

09/16/2026

Zillow says you can afford it… but does your lender?

Online mortgage calculators can be a helpful starting point, but they don't know your credit, monthly debts, the property taxes on the home you're considering, insurance costs, or which loan program may make the most sense for you.

And all of those things can change the numbers.

Before you fall in love with a home based on an online estimate, talk with a loan advisor and get a clearer picture of what your real monthly payment and cash-to-close could look like.

That’s what preapproval is really about, not just getting a number, but building a plan.

Paul Fugett
Senior Loan Originator
NMLS # #212992
210.260.5124

08/17/2026

High-interest debt piling up? Your home equity may be able to help.

If you’re carrying credit card balances or personal loans, there are ways to potentially use the equity you’ve built in your home to simplify your debt.

Two common options are

🏠 HELOC: Access your equity while keeping your current mortgage in place.

💰 Cash-Out Refinance: Replace your current mortgage with a new loan and receive cash from your available equity to help pay off debt.

But which one makes more sense? That depends on your current mortgage rate, how much debt you want to consolidate, and whether you prefer flexibility or one predictable payment.

We break down the pros, cons, and questions to ask in our newest blog.

https://tlpmortgage.com/the-lending-life/debt-consolidation-heloc-vs-cash-out-refinance-which-makes-sense-for-you

07/27/2026

Building Your Dream Home? Here's How a Two-Time Close Construction Loan Works

If you're picturing a home that doesn't exist yet, one built exactly to your family's needs, on the lot you've had your eye on, you're probably also picturing a stack of confusing financing questions. Do you need one loan or two? What happens to your rate while the home is being built? Can you even

07/04/2026

Happy Fourth of July! 🇺🇸🎆

Wishing everyone a fun, safe, and memorable day celebrating with family, friends, good food, and beautiful fireworks.

Enjoy the celebrations and have a wonderful Independence Day!

06/29/2026

Building your dream home? 🏡

Our Two-Time Close Construction Program makes the process simpler from start to finish. Secure construction financing, enjoy interest-only payments during the build, and lock into your permanent mortgage as your home nears completion.

Ready to build with confidence? Let's talk about your options today.
210.260.5124

05/06/2026

The amount needed for a down payment depends on the loan program and your financial situation. At TLP Mortgage, we help buyers explore options that fit their goals and budget.

Some common loan options include:

VA Loans: 0% down for eligible Veterans and active-duty military
USDA Loans: 0% down for eligible rural areas
FHA Loans: Typically 3.5% down
Conventional Loans: As low as 3% down for qualified buyers

We also help clients explore down payment assistance programs available throughout Texas, including programs through TSAHC, TDHCA, SETH, and local city programs when available.

https://tlpmortgage.com/paul-fugett

03/20/2026

Not income.
Not credit.

Decisions.

Opening a new card.
Buying a car.
Moving money around.

Things that feel small…
but matter BIG in this process.

Buying a home isn’t just about qualifying.
it’s about protecting your deal.

That’s where most people get tripped up.

Do you want a “Dos & Don'ts list? I’ll send it.

02/09/2026

Buy first.
Move in.
Sell later. 🙌
MoveNow gives qualified buyers the flexibility to purchase before selling, without the pressure.

12/16/2025

✨ Big News! ✨

Texas Lending Partners is now TLP Mortgage, powered by Pilgrim Mortgage 🎉

Same trusted team. Same heart for our clients. Now with even MORE power behind us!

What’s new?
🔨 Our in-house Construction Loan program is BACK
🔗 We now offer an amazing in-house Bridge Loan program to help clients buy before they sell
⚡ Stronger support, more flexibility, more competitive rates, and even better loan options

We’re excited for this next chapter and can’t wait to continue helping families build, buy, and move with confidence. 🏡