Stephanie Cathey-Johnson Mortgage Banker NMLS 184106

04/07/2026

Seeing a 6.46% mortgage rate and thinking about hitting the brakes? I totally get it, but let’s talk about why that "stop sign" might actually be a green light in disguise! 🚦

Waiting for rates to drop sounds like a plan, but here’s the trade-off: when rates go down, competition goes way up. That usually leads to bidding wars and higher home prices, which can cost you more in the long run than a slightly higher rate today. 🏡

The best part? You aren't stuck forever. Buying now means you can secure your home without the future feeding frenzy, and we can always look at refinancing options later if rates move in your favor.

My goal is to help you find a monthly payment that feels comfortable and fits your budget right now. Let’s look at the numbers together and see what’s possible for you!

Give me a shout if you’re ready to chat. 😊 254.723.9494

03/18/2026

03/07/2026

Fun times and come enjoy! New things and new beginnings!!

We can't wait to see you at this event!

01/16/2026

I will knock your socks off with my exceptional customer service! We're here to make your mortgage loan experience seamless and stress-free. Whether you're a first-time homebuyer or looking to refinance, our team is dedicated to guiding you every step of the way. Let us help you achieve your dream home! 🏡✨

01/13/2026

Big Changes Are Coming to the Federal Reserve in 2026—This Is What It Means for Interest Rates. Read the full article to stay in the know. https://www.realtor.com/news/trends/home-prices-falling-fastest-december-2025/

06/25/2025

🎉🏡 Congratulations to my amazing buyer on her new home! 🏡🎉

A new chapter begins, filled with endless possibilities and cherished memories. Wishing you all the best as you settle in and make this place your own. Here’s to new adventures and wonderful moments ahead! 🥳✨

Thank you Tiffanye Harrell, Coldwell Banker APEX Realtors Tiffanye Harrell for your referral as Always a great Closing!! You’re the best!

Tiffanye Harrell

06/18/2025

👋🏼Hi yall!!

📰🚨Here is quick reintroduction of myself, or if you’re new here…

🙋‍♀️Hi, my name is Stephanie!

🏦 I am a pretty good mortgage lender with First Community Mortgage - Waco, Texas.

🇺🇸I proudly serve the United States of America in residential mortgages. We lend in all 50 states!

⏱️I am embarking on 2 decades as a dedicated and committed lender to real estate.

Raw facts:
⚡️I have never met a stranger.
⚡️I take pride in communicating.
⚡️I pour myself into your dreams of homeownership to become reality.
⚡️I do what I love, because I love what I do.
⚡️I have 2 grown daughters, 1 son in law, 2 grandkids, who I love to Pluto and back!
⚡️None of the above is possible without my Jesus, Christ is my refuge and He strengthens me.

🗣️If you’re looking to purchase or build a home, refinance your primary or investment property, or maybe even pull some cash-out of your homes equity, please don’t hesitate to reach me!

⚠️If all of this is “greek” to you, PLEASE DO NOT WORRY! FTHB aka “first-time home-buyers” are my favorite!!

🫶🏼Thank you for stopping by, and God bless!

Stephanie Cathey
NMLS 184106
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04/02/2025

"Are you a first-time homebuyer feeling overwhelmed by the mortgage process? 🤯 As an experienced loan officer, I'm here to make your home-buying journey as smooth and stress-free as possible.

Whether you're looking for a conventional, FHA, VA, USDA, or jumbo loan, I have the expertise to guide you through every step. My goal is to find the perfect financing solution that fits your unique needs and budget.

Don't let the complexities of mortgages hold you back from achieving your homeownership dreams. 🏠 Reach out to me today, and let's get the ball rolling on your path to a new home.

"

This post positions the loan officer as a knowledgeable and helpful resource for new homebuyers navigating the mortgage process. It highlights the different loan types available and the loan officer's ability to find the right solution. Let me know if you'd like me to modify anything!

03/17/2025

02/23/2025

Give me a call if you are purchasing or wanting to refinance your current home. 254.723.9494. Lendingwithstephanie.com

02/21/2025

Are you currently renting and wondering if homeownership is within reach? You may be closer to achieving your dream than you think! Call today and let's explore your options. 254.723.9494.