Rick Chism - TLP Mortgage

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

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. 🏡