Rick Chism - TLP Mortgage

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.

Rick Chism
Branch Manager | NMLS # 329402
210.630.1550

09/01/2026

🏡ANOTHER HAPPY HOMEOWNER! 🎉🔑

Congratulations to our client on the purchase of their new home! We’re grateful for the opportunity to guide them through the process and help get them to the closing table. 🙌

👏 BIG shoutout to Rick Chism - TLP Mortgage and Tiffanie Prado-Ramirez with TLP Mortgage for helping make this a smooth closing in UNDER 30 DAYS! Great communication and teamwork from start to finish.

And a HUGE thank you to our referring partners who continue to trust Rivera Real Estate Group with their clients. Referrals are a major part of our business, and we never take that trust lightly.

📍 AGENTS & BROKERS: Have someone headed to San Antonio? Send them our way. We'd love to earn your trust and become your go-to San Antonio referral partner! We would love to be your boots on the ground.

Make sure and Follow Us ⬇️
Rivera Real Estate Group SA

Cristina L Rivera
📲210.373.5340
Gustavo Rivera
📲210.373.5205
Rebeca I Rivera
📲210.396.3881

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

08/10/2026

New Loan Program Alert for Medical Professionals!

At TLP Mortgage, we’re excited to offer a Medical Professional Mortgage Program designed with the unique financial journey of healthcare professionals in mind.

Eligible borrowers may include physicians, dentists, pharmacists, veterinarians, podiatrists, CRNAs, medical residents, fellows, and interns.

✨ Program highlights may include:

* Up to 100% LTV
* No mortgage insurance
* 680 minimum credit score
* Loan amounts up to $2 million
* Fixed and adjustable-rate options
* Purchase and rate-and-term refinance options

Student loan debt, a new employment contract, or being early in your medical career doesn’t necessarily mean homeownership has to wait.

RICK A. CHISM
Branch Manager | NMLS # 329402
📲210.630.1550

07/27/2026

Building Your Dream Home? Here's How a Two-Time Close Construction Loan Works
https://tlpmortgage.com/the-lending-life/building-your-dream-home-heres-how-a-two-time-close-construction-loan-works

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!

05/06/2026

There are several costs involved in purchasing a home beyond the down payment. These may include:

Earnest money
Appraisal fees
Home inspection
Title fees
Closing costs
Prepaid taxes and insurance

The good news is many buyers may qualify for seller concessions, lender credits, or down payment assistance programs that can help reduce upfront expenses.

At TLP Mortgage, we walk through all estimated costs upfront so there are no surprises.

https://tlpmortgage.com/rick-a-chism

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.

02/16/2026

02/09/2026

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

RICK A. CHISM
Branch Manager | NMLS # 329402
📲210.630.1550