Frank Paredez - NMLS # 1628244 Integrity Home Mortgage Corporation

03/24/2026

03/08/2026

It’s 2026 and we have AI, robots, and self-driving cars…

but we still manually change our clocks (some of them at least).

Spring forward Sunday.

Pro tip: change your smoke detector batteries, update your coffee settings, and maybe book that Monday morning meeting a little later.

Brighter days (and busy season) are officially loading.

Frank Paredez
[email protected]
(210) 362-0064

03/06/2026

Self-employed and equity-rich?

You may not need to refinance to access cash.

Our Bank Statement HELOC lets you:

Qualify using bank statements

Keep your first mortgage intact

Make interest-only payments during draw

Access a revolving line of credit

Minimum initial draw: 80%* (min $100k)

Your equity could be your most flexible financial tool.

Let’s explore your options.

Must draw 80% at closing.

Not available for owner-occupied homes in TX or in TN. Integrity Home Mortgage Corporation serves as a mortgage loan broker and arranges loans through a third-party lender and does not make mortgage loan commitments or fund mortgage loans within this loan program.

Frank Paredez
[email protected]
(210) 362-0064

Integrity Home Mortgage Corporation is acting as a mortgage loan broker and the loan will be provided through a third-party lender.

03/04/2026

Spring time is coming. Move Smart.

This season, let’s talk real options — not myths.

With HomeReady® and Home Possible®, you may qualify for:

3% down payment options

Reduced private mortgage insurance

Flexible income sources (including boarder/roommate income)

Non-occupant co-borrowers allowed

Designed for low-to-moderate income buyers

You don’t need 20% down. You just need the right strategy.

If spring has you thinking about a fresh start, let’s see what you qualify for.

For informational purposes only. Not all borrowers will qualify. Program availability and eligibility may vary by state and lender guidelines.

Frank Paredez
[email protected]
(210) 362-0064

03/04/2026

Getting a tax refund?

Don’t let it disappear on Amazon.

Your tax refund could actually help you qualify for a home.

If buying feels close, but not quite within reach, your refund might be the bridge that gets you there.

Here are 3 smart ways it could strengthen your mortgage strategy:

1) Boost your down payment

2) Cover closing costs

3) Buy down your rate

That $3K–$5K sitting in your checking account could:

§ Push you over minimum down payment requirements

§ Reduce the cash you need at closing

§ Position you for stronger loan terms

§ Potentially lower your monthly payment

Homeownership isn’t always about earning more — sometimes it’s about leveraging what you already have.

Before you spend it… let’s run the numbers and see if this spring is your moment.

Frank Paredez
[email protected]
(210) 362-0064

02/26/2026

High income.

Low savings.

No help available?

Or so you thought.

• No income caps

• No down payment required

• 600 minimum credit score

Homeownership might be closer than you think.

Let’s explore your options.

For informational purposes only. All loans subject to qualification and underwriting approval. IHMC is not affiliated with FHA or any government agency.

Frank Paredez
[email protected]
(210) 362-0064

02/25/2026

Did you know your assets can help you qualify for a mortgage — even without a traditional paycheck?

With asset-based income, eligible savings and investments can be used to calculate qualifying income.

Retired, self-employed, or portfolio-heavy? Let’s see if this could work for you.

Frank Paredez
[email protected]
(210) 362-0064

02/23/2026

Everyone seems to be watching rates. Savvy buyers are watching strategy. What does this mean?

When the market shifts, opportunity follows — but only if you’re positioned correctly.

• Know your buying power.

• Understand your loan options.

• Be fully underwritten before you shop. Integrity, we call this getting pre-approved! You may also heard this as a TBD Loan.

Whether you're buying, refinancing, or just planning ahead — the right structure matters more than the headline rate.

If you want a personalized review of your scenario, let’s talk.

Frank Paredez
[email protected]
(210) 362-0064

02/19/2026

Get Away for Good — Refinance Your Reverse Mortgage

Did you know that if your home’s value has gone up, you may be able to refinance your reverse mortgage and unlock even more of the equity you’ve built?

Refinancing could help you:

Access additional home equity
Potentially lower your interest rate
Add an eligible spouse to the loan
Increase your available line of credit

You may be eligible if:
• Your home value has increased
• It’s been at least 12 months since your reverse mortgage started or was last refinanced
• The refinance demonstrates a clear financial benefit to you

Curious if this makes sense for your situation? Let’s talk and explore your options.

Important Information:

All assistance is provided in compliance with FHA program guidelines. Integrity Home Mortgage Corporation is not affiliated with or acting on behalf of FHA, HUD, or any federal government agency. Integrity Home Mortgage Corporation serves as a mortgage loan broker and arranges loans through a third-party lender; we do not make mortgage loan commitments or fund mortgage loans within this program.

Please note: By refinancing an existing loan, total finance charges may be higher over the life of the loan.

Frank Paredez
[email protected]
(210) 362-0064