Primary Residential Mortgage Inc.-The Scott Nelson Team

10/09/2026

Friends, a quick heads-up on a change to home appraisals that may affect your upcoming transactions.
What's changing: Starting November 2, 2026, Fannie Mae and Freddie Mac require a redesigned appraisal report (the new URAR, built on UAD 3.6) for conventional loans. It replaces the long-standing static form with a more structured, standardized report.

Cost: Fees haven't been officially set. Some appraisers (about 50%) expect increases because the new report takes more time, and it requires new systems. I’ll keep you posted on this.

Lead Time: Appraisers are still learning the new format, so some early reports may take longer – at least initially. Appraisals with errors will get caught by QA audits and may need to go back to appraisers for corrections, adding a few days. Orders placed right before the deadline are at the greatest risk of delay (get your appraisals ordered EARLY, like we do).

Accuracy and values: The new format collects more consistent, detailed data on property condition, features, and comparable sales. But it doesn't change how value is determined. Values should still reflect the market, and it's too early to say whether accuracy will improve. Hope so – we do see variances that frustrate buyers and sellers and their agents, and lenders.

Appraiser credentials: There's no new license or certifications for appraisers to obtain – just some additional continuing ed.

What to expect: This mainly effects conventional loans. Build a little cushion into your timelines. Also it’s best to plan for a fee increase.

How The New Report Will Look/Read: I’ve seen the new layout. I think it’s a little more intuitive, and should be easier for everyone (including clients) to read.

Better or Worse?? I can’t tell. I’ll let you know. Usually, we don’t know if it’s better or worse until we crash head first into an issue during a transaction. But I always believe more data/info is GOOD.

Some lenders will apply for a temporary exception on the new requirements. Exceptions will be issued on an individual company basis. Just to be sure, assume most lenders will be required to meet the new requirements by the Nov 2nd deadline.

Still a great time to buy. So if you need a home, just go buy a home. Sellers are negotiating. HOWEVER this unique market requires experienced representation. If you need a recommendation for a good qualified Agent, let me know.

Scott

903-258-5503

10/01/2026

🏡 Parents: Want to help your child buy a home? You may be able to give more than you think!

👉 In 2026, the federal annual gift-tax exclusion is $19,000 per giver, per recipient, but that’s not necessarily the maximum you can give.



Gift funds may help with:

✅ Down payment

✅ Closing costs

✅ Paying down debt to qualify



💡 A larger gift may be possible depending on your available lifetime exemption.

Considering a gift toward a home purchase? Let’s connect! Call today at 903-258-5503 to learn more!

09/17/2026

FED RAISES RATES 25 BPS

So, what does that mean for homebuyers?

A Fed rate increase doesn’t automatically mean mortgage rates go up by 25 bps. Mortgage rates are influenced by several factors and can move differently than the Fed’s rate.

If you’re thinking about buying a home, don’t let the headlines stop you. Let’s talk about your options and what today’s market could mean for you.

🔑 Knowledge is power when it comes to your home loan!
📧 [email protected]
📞 (903)258-5503

08/26/2026

National Dog Day is August 26, and what better way to celebrate your four-legged best friend than with a special treat?

If you're out running errands or grabbing a bite today, check out these participating companies that may have something special for your pup:

Starbucks: Ask for a classic Puppuccino - a small cup of whipped cream with your order.
Petco: Some locations may offer special evening events and themed treats, like pumpkin pup cups.
Dunkin': Participating locations may offer a complimentary Cup for Pup whipped cream treat upon request.
Chick-fil-A: Some drive-thrus may offer free pup cups and other dog-friendly goodies while supplies last.
Availability may vary by location, so check with your local store before heading out.

From all of us at PRMI, we hope you and your furry family members have a tail-wagging National Dog Day!

08/17/2026

Before you start scrolling Zillow, start here.👇

Getting pre-approved early can help you better understand your potential price range and what your monthly payment could look like.

That means you can shop with more information and focus on homes that make sense for your situation.

Know your numbers. Then find your home.

Ready to get started? We are here to help!

Lending With Passion
[email protected]
(903)258-5503
TYLERHOMELENDER.COM

08/11/2026

A home is more than four walls.

It's where life happens. We're here to help you get there. 🏡🔑

Lending With Passion
[email protected]
(903)258-5503
TylerHomeLender.com

07/04/2026

Celebrating 250 years of freedom, opportunity, and the place we’re proud to call home. Happy 4th of July! 🇺🇸

07/02/2026

07/02/2026

No matter where you're starting, we'll help map out the best route to homeownership.

From pre-approval to closing day, we'll guide you every step of the way.

Let's find your way home.

Lending With Passion
[email protected]
903-258-5503

Www.TylerHomeLender.com

06/22/2026

Something that catches a lot of first-time buyers off guard...

The credit score in your credit monitoring app, or the one your credit card provides, is usually not the same score a mortgage lender uses for underwriting. Different model, different math, often a different number. It's common for borrowers to see a different score when a mortgage lender pulls credit, sometimes by several points, and occasionally by much more.


Why is that? Many free credit-monitoring apps use VantageScore or newer FICO scoring models. Most mortgage lending relies on older FICO models that have been used throughout the industry for many years. The credit history may be the same, but the scoring formulas are different, which can result in different scores.

The practical part: if you're a few months from buying, don't assume the number in your app is the one that'll matter.



Ask me to run a credit pull early so you know what you're actually working with. At PRMI we lend with certainty. Visit www.TylerHomeLender.com and reach out to me to help you get your ducks in a row before making an offer!

Lending With Passion
[email protected]
(903)258-5503
TYLERHOMELENDER.COM

FICO® is a registered trademark of Fair Isaac Corporation.