The Fox-Guidry Mortgage Team

03/26/2026

Today is a fun day for the Fox-Guidry Team…
Three closings in three states:
🏠Maine
🏠Washington
🏠Texas

We can help you too! 🙋‍♀️

🇺🇸 Nationwide Mortgage Lender 🇺🇸
Call/Text: 210-838-3310 📲
Email: [email protected] ✉️
Website: www.SALending.com 🌐


The Federal Savings Bank is an Equal Housing Lender & member FDIC. NMLS #411500. Subject to credit approval. Terms and conditions may apply. Property Insurance is required on all loans secured by property.

Discover the unparalleled expertise of San Antonio's leading loan officers, Kristin Fox and Jen Guidry, currently excelling at Guardian Mortgage. With a proven track record, these dynamic professionals seamlessly navigate the mortgage process. Trust the #1 choice for home financing in San Antonio -....

01/20/2026

I was recognized this past week as a top producer at The Federal Savings Bank! I am incredibly grateful for the opportunities day in and day out, to support my trusted referral partners, the amazing families, and for my incredible team that makes it all possible! 2026 is off to a great start- can’t wait to see where the year takes us!

🇺🇸 Nationwide Mortgage Lender 🇺🇸
Call/Text: 210-838-3310 📲
Email: [email protected] ✉️
Website: www.SALending.com 🌐


The Federal Savings Bank is an Equal Housing Lender & member FDIC. NMLS #411500. Subject to credit approval. Terms and conditions may apply. Property Insurance is required on all loans secured by property.

12/12/2025

During a build, there are three key types of insurance to understand:

🏡General Liability – protects against injury or property damage to third parties on the job site. This is typically carried by the builder.

🏡 Builder’s Risk – covers the structure, materials, and equipment during construction if something happens like fire, theft, vandalism, or storms. This can be paid for by the builder or the homeowner, depending on the project.

🏡 Homeowner’s Insurance – needed when you’re living on the property during construction or when the project involves an existing residence.

These details are easy to overlook but really matter during a build. Making sure the right coverage is in place can prevent big issues later.

👇 Curious to hear from others who’ve built before… who carried the insurance on your project? Builder, homeowner, or a mix of both?

Nationwide Mortgage Lender 🇺🇸
Call/Text: 210-838-3310 📲
Email: [email protected] ✉️
Website: www.SALending.com 🌐


The Federal Savings Bank is an Equal Housing Lender & member FDIC. NMLS #411500. Subject to credit approval. Terms and conditions may apply. Property Insurance is required on all loans secured by property. Intended for general informational and educational purposes only and should not be construed as financial or tax advice. For more information on financial planning or investment advice, consult a registered investment advisor or financial planner.

11/17/2025

Thinking about keeping your life flexible by renting? Here’s the scoop!

For many of us, the idea of being tied down isn’t very appealing—especially when life keeps throwing surprises our way. Maybe you’re a busy professional often on the move or a first-time homebuyer not ready to settle in one place just yet. 🤔 Renting can be the perfect solution if you need that flexibility.

Renting generally costs less each month compared to owning, with national averages showing rental payments are around $2,000, while mortgage costs often sit much higher. This can help manage your budget, especially if you’re building your savings or just getting started. Plus, you won’t have to fork out for expensive repairs or maintenance—that’s a landlord’s job! 🛠️

However, building equity is something you're missing out on when you rent. Homeownership offers the certainty of a fixed mortgage rate, while rents could go up every year. Plus, when you own, every payment goes towards something that's yours. But if the place you’re in now isn’t your forever home, renting lets you pack up and hit the road when your next opportunity comes knocking.

In 2025, renting is cheaper in most U.S. cities, especially with the rise in remote work, allowing more people the freedom to live where they want without being tied to one spot. But remember, local markets vary, and sometimes buying is the better move—especially if you’re looking at areas where owning can actually be more budget-friendly than renting. 🎯

Considering your own situation can be tricky, but don’t worry—that’s where I come in. Let’s chat about your goals and see how we can structure a plan that suits your lifestyle perfectly. Whether it’s a question about refinancing, buying, or finding construction loans, I’m here to help find more ways to say yes to what you need. Send me a message or comment below—let’s figure this out together! 💬

🇺🇸 Nationwide Mortgage Lender 🇺🇸
Call/Text: 210-838-3310 📲
Email: [email protected] ✉️
Website: www.SALending.com 🌐



The Federal Savings Bank is an Equal Housing Lender & member FDIC. NMLS #411500. Subject to credit approval. Terms and conditions may apply. Property Insurance is required on all loans secured by property.

11/08/2025

Dream Home Made Doable

Build your dream home - your way.

Join our free Homebuilding Seminar this Saturday, Nov. 8th at 10:00AM in Schertz!
We'll show you how to design smart, stay on budget, and manage your project with confidence.

☕️Coffee + live Q$A
📍UBuildIt San Antonio-Schertz
(17331 IH 35 N, Ste 102, Schertz, TX 78154)
📞RSVP: 210*655*3373

🗓️Can't make it? Ask about a free one-on-one planning consult!

11/07/2025

🚨 Thinking about a job switch? 📈 It's a big step that can impact your home buying journey! Before you update that résumé, chat with your loan officer. Here’s why it matters:

1️⃣ Income Stability Matters: Lenders like to see steady income. Changing jobs might affect how much you can borrow, so it’s important to know the impact ahead of time.

2️⃣ Job History Counts: A long work history with your current employer can boost your mortgage application. If you’re considering a switch, weigh the pros and cons with a professional.

3️⃣ Secure Financing First: If a job change is on the horizon, securing your loan first can simplify the home buying process and reduce stress.

4️⃣ Chat with Your Loan Officer Early: They can help you understand how a new job might affect your mortgage approval and guide you through the best steps to take.

🏠🔑 Let’s make your home buying process smooth and stress-free. Thinking about a job change and buying a new home? Drop a comment or send me a message. I’m here to help!

🇺🇸 Nationwide Mortgage Lender 🇺🇸
Call/Text: 210-838-3310 📲
Email: [email protected] ✉️
Website: www.SALending.com 🌐




The Federal Savings Bank is an Equal Housing Lender & member FDIC. NMLS #411500. Subject to credit approval. Terms and conditions may apply. Property Insurance is required on all loans secured by property.

11/05/2025

Franklin Barbecue is growing, y’all! Soon we’ll have a new event space perfect for all those mouthwatering BBQ gatherings we love.

Austin’s very own Pitmaster Aaron Franklin is expanding into the former Contigo and Redbud Ice House spots, creating a hub for community events, food festivals, and more. With expectations set for a November completion, Franklin Barbecue’s new venue promises to elevate not just our taste buds, but our whole food scene vibes.

For decades, this isn’t just a place to grab a legendary brisket. It’s where we gather, meet up with old friends, and make new ones over some of the best BBQ this city has to offer. With this expansion, Franklin isn’t just about barbecue; it’s becoming a keystone in our city’s social and cultural life.

If this gets you as excited as it does us, tag your BBQ buddy. We’ll definitely need them for the next food fest.

11/04/2025

We had a successful October, helping nine families! Thank you to my referral partners and the families that put their trust in our team. It is truly an honor!

Looking to buy, build or refinance, we would love to help!

🇺🇸 Nationwide Mortgage Lender 🇺🇸
Call/Text: 210-838-3310 📲
Email: [email protected] ✉️
Website: www.SALending.com 🌐



The Federal Savings Bank is an Equal Housing Lender & member FDIC. NMLS #411500. Subject to credit approval. Terms and conditions may apply. Property Insurance is required on all loans secured by property.

11/03/2025

Is buying a home really a money-saver? Let’s break it down.

The idea that owning a home is always the ticket to financial well-being is a common belief. But here’s a little truth nugget to chew on: in many parts of the U.S., renting can actually be kinder on your wallet—at least in the beginning.

Sure, homeownership builds equity over time, but did you know that nationwide in 2025, owning a home costs, on average, 38% more than renting? Those mortgage payments, with rates at higher levels compared to before the pandemic, can really add up. Plus, buying a house comes with costs like property taxes and insurance, which renters sidestep altogether. Busy professionals, especially first-time buyers, often find that renting provides flexibility without the heavy responsibility.

Feeling torn? Here’s how to navigate this big decision:

Know Your Market: In places like San Francisco or Seattle, rent beats owning because those cities have high mortgage rates and limited homes for sale. But in parts of Florida, owning might actually be cheaper, so get local!

Consider Your Lifestyle: Do you need mobility? Renting means easy relocation. Prefer planting roots? Buying offers stability but requires a longer-term commitment.

Run the Numbers: Think beyond monthly payments. What are the maintenance costs? Are there any closing costs or down payments you’re prepared for?

Think Long-Term Investment: Over time, buying can be wealth-building. But if investing saved cash from renting works for you, it might outperform owning for years.

If you’ve got questions or need a little personalized guidance on what works best for your scenario, drop a comment or DM us. Let’s find the path that fits your financial and lifestyle goals perfectly! 🏡✉️

🇺🇸 Nationwide Mortgage Lender 🇺🇸
Call/Text: 210-838-3310 📲
Email: [email protected] ✉️
Website: www.SALending.com 🌐



The Federal Savings Bank is an Equal Housing Lender & member FDIC. NMLS #411500. Subject to credit approval. Terms and conditions may apply. Property Insurance is required on all loans secured by property.

10/29/2025

🏗️ Thinking about renovating your dream home, but not sure where to start—especially with a jam-packed schedule? Construction loans might be your perfect solution! Here’s how they work and why they could be just what you need:

1️⃣ Simplifying the Process
Instead of juggling multiple loans for a purchase and reno, a construction loan combines the costs into one smooth package. This means less paperwork, fewer hassles, and more time to focus on what matters—choosing paint colors, fixtures, and designs!

📅 Time Saver: We know busy professionals have enough on their plates without managing multiple financial processes. Let us handle the complexity, so you don’t have to!

2️⃣ Customized for You
Construction loans can be tailored to your unique project. Whether you're dreaming of a chef’s kitchen, a spa-like bath, or eco-friendly upgrades, these loans give you the flexibility to make it happen exactly as you envision.

🔑 Pro Tip: With a clear renovation plan and budget in place, you can ensure your loan covers all your must-haves and nice-to-haves!

3️⃣ Controlled Payments
No surprises here! With structured payouts as each renovation milestone is hit, you’ll know exactly where your money is going. Plus, you only pay interest on what you’ve borrowed so far, making budgeting much easier on your wallet.

💸 Budget-Friendly: Controlled payments keep expenses predictable, perfect for balancing your financial peace of mind with turning your vision into reality.

4️⃣ Potential to Build Equity Right Away
Renovating your home isn’t just about aesthetics—it’s an investment in your future. As you upgrade, you may also be building equity, making it a smart financial move alongside creating your ideal living space.

🏡 Investment Perk: Enhancements driven by personal style can also increase your home’s market value, setting you up for future financial possibilities.

Why It Matters
For first-time buyers with a busy schedule, a construction loan not only simplifies the renovation journey but also keeps things aligned with your timeline and budget. It transforms your space without the usual stress and hurdles.

Ready to explore how a construction loan can work for you? Let’s chat! Comment below or send a message to learn more about creating the home you’ve always dreamed of. 🌟

🇺🇸 Nationwide Mortgage Lender 🇺🇸
Call/Text: 210-838-3310 📲
Email: [email protected] ✉️
Website: www.SALending.com 🌐



The Federal Savings Bank is an Equal Housing Lender & member FDIC. NMLS #411500. Subject to credit approval. Terms and conditions may apply. Property Insurance is required on all loans secured by property.