Neal Pyles- Loan Officer Nmls#1929617

Neal Pyles- Loan Officer Nmls#1929617 Frisco mortgage lender helping homebuyers get fast pre-approval, great rates, and the best home loan options in DFW. dba CMG Home Loans, NMLS ID # 1820.

FHA loans,conventional, VA, jumbo, and first time buyer Helping Texas and nationwide homebuyers close with confidence. Looking for a mortgage lender who keeps it real, moves fast, and actually answers your questions? I’m Neal Pyles, a top-producing mortgage loan officer based in Frisco, TX, with over 10 years of experience helping buyers and investors secure the best home financing options.

💥 Fir

st-Time Homebuyer Loans
💥 FHA, VA, Conventional & DSCR
💥 Self-Employed & 1099 Income Solutions
💥 Refinance & All-in-One Loan Options
💥 Fast Pre-Approvals | Clear Communication | On-Time Closings

As a Mortgage Loan Officer at CMG Home Loans, I do more than guide clients through the lending process—I combine financial expertise with a strategic marketing approach to drive business growth and create new opportunities. Whether you're buying in Texas or across the U.S., I simplify the mortgage process so you can buy smarter—with confidence.

📲 Apply online at NealPyles.com
📍 Serving Frisco, DFW & all 50 states through CMG Home Loans

Branch NMLS ID # 2594939
CMG Mortgage, Inc. Equal Housing Opportunity. Registered Mortgage Banker with the Texas Department of Savings and Mortgage Lending. To verify our complete list of state licenses, please visit www.cmghomeloans.com/corporate/licensing and www.nmlsconsumeraccess.org.

August is almost over and it was stressful to say the least! But It was also the best month I have had this year with 7 ...
08/27/2026

August is almost over and it was stressful to say the least!
But It was also the best month I have had this year with 7 families I had to pleassure of working with!

5 Purchases. 2 Cash out refinances. From first time buyers who thought homeownership was still a few years away, to seasoned investors who were ready to cash out on their investment.

Almost every one of them had a moment where it felt shaky. Conditions come back. Documents get asked for twice. Timelines move. That is the part nobody posts about.

What got them to the table was a team that answers the phone, responds quickly to emails and a smooth process that doesn't leave people guessing.

Grateful for the trust, and for the people behind the scenes who made it happen!

Lets get you into a home before the end of the year!

Some weeks you blink and it's Friday.Last week was one of those weeks!Congratulations to all 3 of my clients who closed ...
06/15/2026

Some weeks you blink and it's Friday.
Last week was one of those weeks!

Congratulations to all 3 of my clients who closed last week on their new homes.
All 3 appraised higher than the agreed upon sales price too!

The Summer market is here in full swing!

04/21/2026

30 days. 30 posts. Zero generic mortgage advice.

I set out to post content on Facebook that nobody else in my industry would. Not rate updates. Not "just closed" selfies. Not motivational quotes with houses in the background.

Real information. Stuff that actually helps people make better financial decisions.

Here's what I covered this month that most lenders will never tell you:

📍 How a war 7,000 miles away added $33K to your mortgage cost in 5 weeks
📍 That Fannie Mae now accepts crypto backed down payments
📍 The exact math on why waiting for rates to drop costs you $35K+
📍 How Venmo deposits almost killed a client's closing
📍 The property tax protest strategy that saves DFW homeowners $2,000+ per year
📍 Why factor rate lending is bankrupting small businesses at 80% APR
📍 The title insurance shopping trick that saves $1,500
📍 How insurance costs are secretly the #1 deal killer in Texas

This is the kind of content your lender should be giving you. If they're not, ask yourself why.

Are they not informed enough? Or do they not care enough to educate you?

Either answer should concern you.

I'm going to keep doing this.
Different platforms.
Same approach.
Real information that helps real people make real decisions.

04/20/2026

"I'm going to wait for rates to drop." I hear this every week. Let me show you what actually happens.

Scenario: $375,000 home in Frisco.

Buy today at 6.25%:
📍 Monthly P&I: $2,309
📍 Home price: $375,000

Wait 12 months. Rates drop to 5.75%. Home prices increase just 3%:
📍 Home price: $386,250
📍 Monthly P&I: $2,253

You "saved" $56/month. But...

You paid $11,250 more for the house. Bigger down payment needed. Plus 12 months of rent at $2,000/month = $24,000 that built zero equity.

Total cost of waiting: $11,250 + $24,000 = $35,250.
Break even on that $56/month savings: 52 YEARS.

Add the equity you would have built. The tax deductions you missed. The appreciation you didn't capture.

The math almost never favors waiting unless rates drop dramatically AND prices stay flat. Neither is guaranteed.

I'm not saying rush. I'm saying run the actual numbers instead of waiting on a feeling.

04/20/2026

Fannie Mae quietly updated their guidelines on Accessory Dwelling Units this year, and most buyers have no idea.

If your property has an ADU (guest house, garage apartment, converted space, casita), Fannie Mae now allows the rental income from that ADU to count toward your qualifying income.

Before this change, if you bought a property with an ADU and planned to rent it out, most lenders would NOT count that projected rental income for your DTI calculation. You had to qualify based entirely on your primary income.

Now, if the ADU meets certain requirements, that rental income can help you qualify for a larger loan.

Example: Buy a property with an ADU and rent it for $1,200/month. That additional income could increase your buying power by $50K to $75K.

Requirements:
legal dwelling unit with separate entrance, kitchen, and bathroom.
Rental income documented via lease agreement or market rent analysis.

In DFW, I'm seeing more new construction in McKinney, Princeton, and Anna with ADU friendly lots.
Some builders are designing floor plans with detached casitas.

This is one of those changes that rewards buyers who are paying attention.

Comment "ADU" and I'll walk you through how this works for properties you're looking at. 🏘️

04/19/2026

The federal government is seriously exploring a 50 year mortgage. Here's what the math actually looks like.

The idea is simple: stretch payments over a longer period so the monthly payment is lower and more people can afford to buy.

$400K loan at 6%:

📍 30 year mortgage: $2,398/month
📍 50 year mortgage: $2,148/month

That's $250 less per month. Sounds good, right?

But here's the other side:

Total interest on the 30 year: roughly $463K
Total interest on the 50 year: roughly $889K

That's $426,000 MORE in interest over the life of the loan. And you build equity at a glacial pace. After 10 years, you've barely touched the principal.

There's a case for it in extreme cost markets where the alternative is renting forever. And you could always refinance shorter later.

But I think the real conversation should be about why housing costs so much in the first place.
Permit fees.
Zoning restrictions.
Underbuilding.
Insurance costs doubling.

A 50 year mortgage doesn't fix those problems. It just stretches the pain.

My take: if it becomes available, it should be an option, not the default.

What do you think? Would you take a 50 year mortgage? Drop your thoughts below! 💬

04/19/2026

The 2/1 buydown is the best deal in mortgage right now.

$375K loan at 6.5%:

Normal payment: $2,372/mo

With 2/1 buydown:
Year 1 (4.5%): $1,900/mo → save $5,664
Year 2 (5.5%): $2,129/mo → save $2,916
Total savings: $8,580

Cost? Usually $6K to $9K. But if the SELLER pays for it as a concession, it costs you nothing.

In DFW right now, builders are offering $10K to $20K in concessions. More than enough to cover a buydown AND closing costs.

The real play: if rates drop in the next 2 years, you refinance before the buydown expires. Lower payments AND a lower purchase price.

04/18/2026

Your Closing Disclosure is 5 pages long and it determines exactly what you pay at closing. Most buyers barely glance at it.

That is a mistake that can cost thousands.

An industry study of 90,000 loans found that more than 1 in 3 loans had tolerance violations requiring fee cures. The average cost per loan was $1,225 in wasted fees.

Some of those cures were caught. Some were not. When they're not caught, YOU pay the difference.

The 3 things most often wrong:

1️⃣ Section A lender fees that increased after the Loan Estimate was locked
2️⃣ Title and settlement fees that exceeded the 10% tolerance
3️⃣ Prepaid items calculated using the wrong number of days

The TRID rule says if fees increase beyond allowed tolerances, the lender must pay the difference. But only if someone catches it.

Save this post. You will need it when you get to the closing table.

04/18/2026

If you've been sitting on the sidelines waiting to buy, you need to read this.

80% of homeowners with a mortgage have a rate under 6%. That single stat explains almost everything about the housing market for the last 3 years.

If you locked in 3% in 2021, selling your house means giving up that rate and taking 6%+. On a $400K loan, that's roughly $800 more per month. For the same house. So homeowners stayed put. Inventory dried up. Buyers competed over scraps.

This is the "lock in effect." And it created the most distorted housing market in modern history.

But here's what's changing in 2026:

📍 DFW now has 25,000+ active listings. Highest in years.
📍 Builders in Frisco, McKinney, and Prosper are competing on price.
📍 40% of builders nationally are cutting prices and offering incentives.
📍 Homes sitting 70 to 100+ days on market.
📍 Sellers offering concessions again.

The buyers who are paying attention right now are in the strongest negotiating position since pre pandemic.

This window doesn't stay open forever. When rates eventually drop below 6%, every sidelined buyer jumps back in and the competition returns.

Comment "WINDOW" and I'll run the numbers on what you can get right now vs what the same house will likely cost in 12 months. Tag someone who needs to see this! 🏠

04/18/2026

I need to tell you about the moment I stopped trying to sound like a bank.

Early in my career I used to write emails like this:

"Dear Mr. Johnson, I hope this message finds you well. Pursuant to our discussion regarding your mortgage application, I wanted to provide an update on the status of your loan file."

Nobody wants to read that. I didn't even want to write it.

At some point I realized the corporate tone wasn't building trust. It was creating distance.

Now my emails look like this:

"Hey John, quick update. Your appraisal came back and the value is right where we needed it. We're on track to close on the 15th. I'll send over the final numbers tomorrow morning. Call me if you have any questions."

Same information. Completely different energy.

The mortgage industry has a communication problem. Most lenders talk AT people instead of WITH people. They use jargon because it makes them sound smart, not because it helps.

I built my brand around the opposite. Plain language. Fast responses. No jargon. No ghosting.

That's not a marketing strategy. That's just how business should work.

If you're in any professional services industry and you're still writing like a corporate press release, try being a human instead. It works better. 💬

Address

1560 E Southlake Boulevard, Suite 100
Southlake, TX
76092

Telephone

+14694535203

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