Evelyn Ritchie - Guild Mortgage - NMLS #518630

10/15/2026

5.0 star review received on Experience.com for Evelyn Ritchie by Romeo B - The whole processing experience was great and getting documentation signed in a timely matter and the loan officer was really professional.

Click to see all 119 reviews of Guild Mortgage - Evelyn Ritchie, Senior Loan Officer | NMLS # 518630

10/13/2026

Before you suggest another price drop to your seller, it's worth figuring out what's actually holding buyers back. Is it the payment? The down payment? Closing costs? Because a price reduction and a seller credit solve very different problems, and picking the wrong one can cost your seller more than it needed to.

Price cuts lower the number on the sign. Credits can lower the rate, cover costs, or bridge a down payment gap, sometimes for less money out of your seller's pocket than a reduction would.

If you've got a listing that's stalling, send it my way before you touch the price. Let's figure out what's actually stopping buyers from making an offer!

10/12/2026

Not everyone can be a lawyer or a doctor, somebody's gotta be the person who gets a first-time homebuyer in Dallas-Fort Worth to the closing table with zero down and a dream. That's me. I've made peace with it.

10/11/2026

There's a lot of mortgage words out there that most people just nod politely at when they hear them in conversation, when really, they don't know what the heck it actually means.

If that's you, I'm happy to be of assistance.

Today's word: equity.

Check out today's mortgage word, then follow along so you catch the next one. Now you can stop pretending to know what everyone's talking about 😏 You're welcome!

Share this with someone else who DEFINITELY knows what equity is...😜

10/10/2026

I think people get stuck comparing a rent payment to a mortgage payment like they're two different categories of expense. They're not. They're the same expense with two different outcomes attached to it. That's really the only decision being made here. It's not whether you want to pay to live somewhere, you already do. It's who you want that payment working for.

If you're trying to figure out what owning would actually look like for your situation, that's the part I can actually help with. Send me a DM so we can put your money to work for you.

10/09/2026

We all have something we should've ghosted sooner.

A bad haircut.
That one situationship.
For a lot of future homebuyers, it's assumptions they should be ghosting. Assumptions about credit, rates, how much money they need...

Usually, the thing standing between you and a house isn't the market, it's the story you've been telling yourself.

If you've been thinking about buying a home and one of these assumptions has kept you from trying, it's time to stop assuming.

Which one are you ghosting first? 👻

10/09/2026

5.0 star review received on Experience.com for Evelyn Ritchie by Arielle R - Evelyn was very great to work with. She was patient , was always available
to answer any questions we had and worked hard to secure a loan that was best suited for my circumstAndes .

Click to see all 118 reviews of Guild Mortgage - Evelyn Ritchie, Senior Loan Officer | NMLS # 518630

10/07/2026

Every time I have to tell a client rates moved, this is the internal monologue.

If you're in this business too, tell me I'm not the only one who does this 😅

Agree or disagree, updating clients on rates never stops being a little nerve wracking, no matter how long you've done this?!

10/06/2026

Everyone has a choice to make in this market, and it shouldn't be made with fear. Rate matters, but so does the price of the home and only ONE of those things can be refinanced down the road. I'll give you a hint...it's not the home price.

If rates drop and you've already bought your home at today's lower prices, you can refinance and have the best of both worlds. If you wait like everyone else and end up in bidding wars, you could pay more for the same house and there's no changing that price. Not everyone can make a move right now and I get that, but if you can and you're holding off, I would ask a lender (like me) to help you do the math to see if waiting might cost you more in the long run.

So, what's your pick?

10/05/2026

Being debt free feels good, no argument. But lenders aren't looking at whether your debt is zero, they're looking at your debt-to-income ratio. Car payment, student loans, whatever, you can still qualify while carrying that.

Waiting until everything's paid off before you even look into it usually just means waiting longer than you had to. And prices don't wait with you.

Doesn't mean ignore your debt. Just means it's not the automatic dealbreaker people think it is.

Agree or disagree?