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Brittney Fleischman - True North Mortgage Team

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Tyler, TX
Brittney Fleischman - True North Mortgage Team

Brittney Fleischman, NMLS:1435464 True North Mortgage Team powered by Canopy Mortgage NMLS 1359687
Phone 903-638-3656 For informational purposes only.
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[email protected] | loansbybrittney.com
Brittney Fleischman - Mortgage originator
NMLS #1435464 - Canopy Mortgage LLC NMLS 1359687
www.nmlsconsumeraccess.org
1901 Rickety Lane
Tyler, TX 75703
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© 2021 Dream Home Lending | Partnered with American Pacific Mortgage Corporation (NMLS # 1850). No guarantee of accuracy is expressed or implied. Programs shown may not include all options or pricing structures. Rates, terms, programs and underwriting policies subject to change without notice. This is not an offer to extend credit or a commitment to lend. All loans subject to underwriting approval. Some products may not be available in all states and restrictions may apply. Equal Housing Opportunity

10/28/2026

Think you need 20% down to buy a house? You do not. And it is time to stop letting that myth keep people on the sidelines.

Here is what you actually need depending on the loan program. Conventional loans can go as low as 3% down. FHA requires as little as 3.5%. VA and USDA loans may require zero down at all. Closing costs typically run 2 to 5%, but seller concessions, lender credits, and down payment assistance programs can help reduce what you need out of pocket.

Here is the part that matters most though. Just because you can put all your savings into buying a house does not mean you should. The goal is to own a home and still have money in the bank. Because moving is expensive, things break, and nobody wants to be house poor.

The job is not just to get you approved. It is to help you make a smart financial decision. Before you spend another year saving for a down payment you might not even need, let’s run the numbers together.

10/26/2026

Your buyers have never had this much negotiating power. And most of them do not realize it.

Sellers now outnumber buyers by nearly 58 percent. The largest margin ever recorded. That means price cuts, closing cost credits, and rate buydowns are all back on the table in ways they have not been in years.

Agents across the country are closing deals $40,000 to $60,000 under asking on listings that sat for 30 days. Mortgage applications just hit their lowest level since 1995 which means your buyers are not fighting bidding wars. They are negotiating with real leverage.

And here is the part nobody is talking about: September home sales rose in defiance of surging rates. The agents winning right now are not waiting for rates to drop. They are writing aggressive offers with every contingency intact.

Send me your buyers and I will run the payment scenarios that show them exactly what buying today looks like with a buydown included.

This market will not last forever. Once rates fall competition returns and all of this leverage disappears.

10/09/2026

If you are a teacher, firefighter, law enforcement officer, healthcare professional, or military member this one is for you.

I have partnered with Homes for Heroes because I believe the people who spend their lives serving our communities deserve a little extra support when it comes to buying a home.

Through this partnership I help eligible heroes access additional savings and support throughout the home buying process. And here is what I love about it: you do not have to sacrifice great service or competitive mortgage options to take advantage of these benefits. They can be paired with existing programs.

My goal has always been to help people make smart informed decisions about one of the biggest financial investments they will ever make. Now I get to do that while giving something back to the people who give so much to our communities every single day.

If you are a local hero or you know one who is looking to buy a home please reach out or connect us. I would love to show you what is available.

09/29/2026

Mortgage rates have moved back around 7 percent this week. But before you decide that means it is time to pause there is another side of the story.

Higher rates are pushing some buyers out of the market. And that means less competition for the buyers who stay in.

So instead of only asking what is the rate I want buyers asking better questions. Can we negotiate seller paid closing costs? Can we get a temporary or permanent rate buydown that solves the payment issue altogether? Can we negotiate the price? And more importantly what does the actual monthly payment look like after we structure the deal correctly?

For my Realtor partners this is exactly where having your lender involved before the offer is written makes a real difference. Send me the property address and the terms you are considering. I will look at the numbers and find the strongest way to structure that offer from a mortgage perspective. We work as a team to get your client the best deal possible.

Rates matter. Strategy matters more.

If you have a scenario you want me to run send it my way.

09/14/2026

While everybody is talking about mortgage rates I want to tell you what happened with two of my families recently.

Both of them got money back at closing.

They bought a house and walked away from the closing table with money coming back to them.

Here is why I am telling you this. Opportunity and smart strategy still win in this market.

Too many buyers right now are looking at a mortgage rate headline and immediately deciding this is not a good time to buy. But a headline does not know the deal. It does not know how motivated the seller is. It does not know what concessions can be negotiated. It does not know whether those concessions can be applied toward closing costs or a lower rate. And it definitely does not know your numbers.

Those two families did not need a perfect market. They needed a smart deal. And that is where a really good realtor and a really good lender working together can make a huge difference.

So realtors, send me the buyer who is sitting on the fence. Buyers, if you do not know the best realtors in your area reach out and I will connect you.

Give me the house you are looking at, the money you have available, and the payment you want to hit. Let me work the deal with you.

Maybe the answer is a buydown. Maybe it is seller concessions. Maybe it is a different loan program. Maybe we find something neither of us saw at first.

And sometimes I am going to tell you this one does not make sense. Because my job is not to talk somebody into buying a house. My job is to find the smartest way to buy one when the opportunity is there.

Opportunity and smart strategy still win.

08/28/2026

Most people are watching the Federal Reserve to figure out where mortgage rates are headed. But the bigger story this week is happening in the bond market and it is worth understanding.

Mortgage rates are heavily influenced by investor demand for long-term bonds. This week investors continued watching inflation, government spending, and economic uncertainty. When bond yields move higher mortgage rates can feel upward pressure. When the bond market improves rates have room to move lower. The Fed is just one piece of a much larger picture.

So what does this mean for your clients right now?

The biggest mistake buyers can make is waiting for the perfect moment. The market is constantly changing and the perfect moment rarely arrives on the schedule buyers are waiting for. The right strategy is understanding your options, knowing what your payment looks like at current rates, and making a decision based on your personal goals and your financial readiness rather than a rate prediction.

The agents who stand out in today's market are the ones who go beyond the headline. Clients are watching the news and getting confused. The agents who can explain what the bond market actually means for housing and what buyers should actually be doing right now are the ones who build real trust and real referrals.

If you have clients asking about the bond market and what it means for their home purchase I am always happy to help you have that conversation.

08/12/2026

The Federal Reserve met on July 29th and as expected decided to leave interest rates unchanged. And right on cue the question I am getting from buyers is does that mean mortgage rates are coming down now?

Here is the honest answer: not necessarily. And understanding why matters for anyone trying to make a smart decision about buying or refinancing right now.

Mortgage rates are not directly controlled by the Federal Reserve. They are influenced by a combination of factors including bond market movement, inflation expectations, and the overall health of the economy. The Fed's decision to hold rates steady is one input among many and the mortgage market frequently prices in expected Fed decisions well before the meeting even happens.

That is why you can sometimes see mortgage rates move in the opposite direction of what you might expect from a Fed announcement. The market is always looking ahead.

Here is what I am seeing on the ground right now. Buyers are continuing to move forward. They are not waiting for a perfect rate environment because many of them understand that waiting for perfect can mean missing out on equity, appreciation, and the stability that comes with owning your own home.

If you or someone you know has been sitting on the sidelines waiting to time the market perfectly it may be worth having a real conversation about your options. Every situation is different. Having a clear plan based on your specific goals and financial picture is what actually helps you make the best decision for you and your family.

Reach out anytime. I am happy to walk through your situation together.

07/30/2026

Some of your buyers may qualify for a zero down loan today even if they did not qualify just a few weeks ago. And this is worth paying attention to right now.

USDA recently announced updated income limits for its Single Family Guaranteed Loan Program with the new limits taking effect on July 13, 2026. In many parts of the country this means more households may now qualify for USDA financing, which offers 100 percent financing with no down payment required for eligible buyers.

This is not a minor adjustment. If you have had buyers sitting on the sidelines because they were just over the income limit before July 13th it is absolutely worth taking another look at their situation right now.

Here is the important detail to keep in mind. USDA income limits are based on the property's county and household size so the exact qualifying thresholds vary depending on where your client is buying. A buyer who did not qualify in one county may qualify in a neighboring one. And a buyer who was just over the limit before the update may now be comfortably under it.

Zero down payment. No private mortgage insurance structured like conventional PMI. Competitive rates. USDA financing is one of the most powerful tools available for buyers purchasing in eligible areas and the updated income limits just expanded who can access it.

If you have a client you are not sure about reach out and I will run the numbers to see if they qualify. No pressure and no obligation.

07/29/2026

Should you tap your home equity instead of refinancing your whole mortgage? Right now millions of homeowners are saying yes and the data shows exactly why.

The brand-new Mortgage Monitor just found that second-lien borrowing hit an 18-year high with more than half of all equity now being pulled through HELOCs and home equity loans. That is not a coincidence. That is millions of homeowners making a very smart financial decision.

Here is the thinking behind it. If you locked in a low first mortgage rate a few years ago refinancing your entire loan would mean giving that golden rate away permanently. A HELOC or a second mortgage lets you keep that low rate completely intact while still accessing the cash you need for whatever your goals are. Home improvements, debt consolidation, helping a family member, investing in another property. The equity is yours and now there is a way to use it without sacrificing the rate you worked hard to lock in.

And the timing makes this even more compelling. HELOC rates recently hit their most attractive level since 2022 making that cash easier and less expensive to reach than it has been in years. With trillions in home equity sitting available across the country this is a powerful tool that more homeowners should be exploring right now.

Reach out and let's look at what your equity could do for you without touching your existing mortgage rate.

07/22/2026

Higher mortgage rates have slowed some activity in the housing market. But that does not mean opportunity has disappeared. Not even close.

A slower market creates conditions that simply did not exist during peak competition. Less competition from other buyers means your offer is not going up against five others the same day. More time to make decisions means you are not pressured into waiving inspections or making choices you will regret. And greater flexibility when negotiating with sellers means terms, credits, and concessions that were off the table entirely twelve months ago are now genuinely available.

The key is focusing on what is actually happening in your local market rather than reacting to national headlines that may have nothing to do with the specific neighborhood or price range you are targeting.

On the lifestyle side there is an important trend worth knowing about. A recent National Association of Realtors survey found that 89 percent of people value sidewalks and places to walk and 63 percent said they would pay more to live near parks, shops, and restaurants. For agents that means highlighting the lifestyle around a property can be just as powerful as promoting the home itself. The walkability and community context of a listing is increasingly a deciding factor for buyers.

If you have buyers who want to review their options in today's market send me a message. The opportunity is there for the buyers who are paying attention and prepared to act.

Address

1901 Rickety Lane
Tyler, TX
75703

Opening Hours

Monday	9am - 5pm
Tuesday	9am - 6pm
Wednesday	9am - 5pm
Thursday	9am - 6pm
Friday	9am - 6pm
Saturday	9am - 1pm

Website

http://TrueNorthMortgageTeam.com/

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