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Christina Dominguez - The Texas Loan Team

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Christina Dominguez - The Texas Loan Team

Christina Dominguez,
The Texas Loan Team
Nexa Mortgage LLC.

Equal Housing Lender
RMLO | NMLS # 1805287
Corporate NMLS # 1660690
NMLS Consumer Access: https://nmlsconsumeraccess.org/TuringTestPage.aspx?ReturnUrl=/EntityDetails.aspx/COMPANY/1660690 510 Austin Ave #25208
Waco, Tx 76701
Branch NMLS: #180257
Licensed : TX
Equal Housing Opportunity
https://www.nmlsconsumeraccess.org/
Texas Consumer Complaint: www.sml.texas.gov

10/30/2026

Reviews like this never get old. Thank you for the trust, the kind words, and the 5 stars. ⭐⭐⭐⭐⭐

10/30/2026

🚨 MORTGAGE RATE UPDATE 10/30: The Fed had a meeting, and the mortgage market DIDN'T lose its mind! 😂

Honestly, after the last several weeks, I'll take that as a win!

Yesterday could have been a wild ride, but surprisingly, mortgage bonds ended the day in better shape than they started.

And this morning? We're seeing a little more improvement! 🙌

Now, before everybody starts planning their refinance parties, let's not get carried away. 😂

Here's what's happening:

📉 Mortgage rate sheets should be slightly better today.

🏦 The Fed meeting is behind us, and the market handled it better than expected.

📈 The economy is still showing strength, with GDP growth coming in at 3.4%.

👀 Markets are still anticipating another possible Fed rate hike in December, and that expectation is already reflected in mortgage pricing.

So what does that mean for homebuyers?

**We're seeing some stability, but that doesn't mean a big drop in mortgage rates is right around the corner.**

Here's where I stand today:

🔒 **Closing in the next 15 days: LOCK 'EM!**

👀 **Closing in 15–30 days: Cautiously float.**

👀 **Closing in 30+ days: Cautiously float.**

We've still got jobs data, inflation reports and plenty of other things that could shake up the market in the coming weeks.

But for now, we're getting a little breathing room.

And after the roller coaster we've been on lately, I'm perfectly fine with the mortgage market being a little boring. 😂

**Remember, the goal isn't necessarily to catch the absolute lowest rate. It's to secure a payment that works for YOU.**

I'll keep watching the market so you don't have to!

*Market information sourced from Hammer at RateSensei | [email protected]*

10/16/2026

🚨 MORTGAGE RATE UPDATE 10/16: Well, look who finally decided to behave! 👀😂

After weeks of watching mortgage rates head in the WRONG direction, we've FINALLY seen some improvement!

And not just a tiny little improvement that requires a magnifying glass to find. 🔍

We're talking about some of the BEST rate sheets we've seen in weeks! 🙌

Now, before everybody starts celebrating and planning their refinance parties, there's a catch. 😂

Yesterday started out looking pretty fantastic for mortgage bonds, but those gains started slipping away as the day went on.

And this morning? We're seeing a little more of that improvement disappear.

So here's where we stand:

📉 Mortgage rates have recently improved.

📈 The bond market is showing signs of giving back some of those gains.

🏦 Lenders are still dealing with volatility, which means pricing can change quickly.

And here's the important part...

**Just because rates have improved doesn't mean they're going to KEEP improving.**

Sometimes knowing when to take the win is just as important as waiting for one!

So here's my outlook:

🔒 **Closing in the next 15 days: LOCK 'EM!**

We've gotten some unexpectedly good pricing. I'd rather protect it than gamble on getting something better.

👀 **Closing in 15–30 days: Cautiously float.**

There may still be opportunities for improvement, but if you're happy with your payment, there's absolutely nothing wrong with locking it in.

👀 **Closing in 30+ days: Cautiously float.**

We have a little more time to watch the market, but I'd still be keeping a VERY close eye on things.

The Fed meeting is coming up, and if we've learned anything lately, it's that this market can change its mind faster than a toddler picking what they want for breakfast. 😂

Here's what I want homebuyers to understand:

**You don't have to catch the absolute lowest rate to make a smart financial decision.**

Sometimes the best move is securing a payment you're comfortable with instead of chasing a rate that may or may not show up.

We've finally gotten some relief. Now let's not get greedy and give it all back! 😂

I'll keep watching the market so you don't have to.

*Market information sourced from Hammer at RateSensei | [email protected]*

10/06/2026

🚨 MORTGAGE RATE UPDATE 10/6: Well… we crossed a line I really didn’t want to cross. 😑
Yesterday was another choppy day in the mortgage world.
Bonds got worse, recovered a little, got worse again, then managed to claw back about half of the losses before the day was over.
Basically, the market spent the entire day changing its mind. Again. 😂
But here’s the part that caught my attention:
Even while mortgage bonds were getting worse throughout the day, we saw surprisingly few lenders reprice worse.
Sounds good, right?
Not exactly.
That likely means many lenders had already priced their rates **conservatively from the beginning** because they were anticipating more volatility.
And most rate sheets still ended the day around the **worst levels we’ve seen this year.**
Then there’s this:
📈 The 10-year Treasury closed above **5.30% for the first time during this recent run.**
That’s a level we’ve been watching closely, and breaking through it is definitely NOT the direction I wanted to see.
So my advice remains boringly consistent:
🔒 **LOCK ’EM.**
I would love to come on here and tell you I see a beautiful rate rally coming.
I don’t.
Until this trend actually gives me a reason to change my mind, I’m not gambling with someone’s house payment just hoping tomorrow will be better.
The market will eventually turn.
**It just apparently did not put that on this week’s calendar. 😂**
I’ll keep watching it every day and let you know when we finally have something worth getting excited about.

*Market information sourced from Hammer at RateSensei | [[email protected]](mailto:[email protected])*

10/06/2026

🚨 Here’s something a LOT of buyers and Realtors may not know yet…

There’s a new credit scoring option being accepted in mortgage lending called VantageScore.

For years, mortgage lending has relied on the traditional FICO scoring models. Now VantageScore is being accepted for certain mortgage loans, which means we may have another way to look at a buyer’s credit.

And here’s where it gets interesting…

Your VantageScore can sometimes look VERY different from your traditional mortgage FICO score. I’ve seen differences large enough that it could completely change the conversation for a buyer.

That could mean the difference in:
• Qualifying vs. not qualifying
• Interest rate and pricing
• Mortgage insurance
• Loan program options
• How much cash is needed
• And ultimately, the monthly payment

Now, before everybody runs out asking their lender for their VantageScore 😂 not every lender is accepting it yet.

But I have multiple lenders that ARE.

So if you’ve already been pre-approved, been told you don’t qualify, or you’re just trying to figure out the best option, I’m happy to take a look at BOTH and see if VantageScore changes anything for you.

It may change absolutely nothing.

Or it could change the whole dang conversation.

Either way, it’s worth knowing before you make a decision.

10/05/2026

🚨 MORTGAGE RATE UPDATE 10/5: Apparently even bad news isn’t good news anymore. 😩

Normally, weaker jobs data is the kind of thing that can give mortgage rates a little relief.

We got weaker-than-expected jobs numbers Friday morning, mortgage bonds initially rallied and for about an hour we thought…

**FINALLY. 🙌**

Then the market basically said, “Never mind.” 😂

Mortgage bonds gave it ALL back and then some, finishing Friday at their worst levels of the year.

And this morning, we’re picking up right where we left off.

📉 Mortgage bonds are down again.

📈 The 10-year Treasury is around **5.30%**.

🏡 Rate sheets are likely starting the week worse.

The part that concerns me most is that we’ve now had several pieces of news that normally *could* help mortgage rates, and the market just isn’t responding.

Even expectations for an October Fed rate hike have backed off significantly, and we STILL aren't getting meaningful relief.

So my outlook remains:

🔒 **Next 15 days: LOCK ’EM**

🔒 **15–30 days: Consider locking**

🔒 **30+ days: Consider locking**

Could rates turn around? Absolutely.

But right now, I’m not willing to gamble my clients’ house payments on “maybe.”

Sometimes the smartest move in this market is simply to **duck, cover and LOCK.** 😂

Next week brings another big one: inflation data. Until then, I’ll keep watching the market every day and letting you know when something actually changes.

*Market information sourced from Hammer at RateSensei | [[email protected]](mailto:[email protected])*

09/29/2026

Mortgage advice I’d give you if you were my kids… and yes, I’d say it with the same face I’m making in the first picture. 😂

Some of these might make you nod. One or two might make you say, “Christina, mind your business.” But buying a house is a big decision, and I care more about you being comfortable with it than just getting you to closing.

Swipe through, then tell me: which one did you need to hear? And which one are you ready to argue with me about? 👀

09/29/2026

🚨 MORTGAGE RATE UPDATE 9/29: New week, same mortgage rate nonsense. 😩
Yesterday was one heck of a way to start the week.
Mortgage bonds started losing ground early and basically said, “Why stop there?” It got worse as the day went on.
📉 Mortgage bonds: **-64 bps**
📈 10-year Treasury: **5.23%**
🏦 Rate sheets were ALL over the place. Some lenders briefly repriced better when bonds looked like they might recover, while others repriced worse as the selloff continued.
There are a couple tiny pieces of good news:
🛢️ Oil improved somewhat with reports that the Saudi pipeline is ramping back up.
🌎 There is at least some dialogue happening between the U.S. and Iran.
But neither has been enough to give the bond market much confidence yet.
And now we have more economic data coming that could add another layer of fun to this mess. 🙃
So where do I stand?
🔒 **LOCK ’EM.**
I know I sound like a broken record lately, but until this market gives us an actual reason to believe the direction has changed, I’m not interested in gambling with my clients’ house payments.
Could we get a bounce and see some improvement? Of course.
But right now, **hope is not a rate-lock strategy.**
I’ll keep watching the market so you don’t have to.

08/31/2026

🚨 ** 8/31 MONDAY MORTGAGE RATE UPDATE: Not the direction we wanted to see.**

Mortgage rates are starting the week under pressure, and right now, I’m firmly in the **LOCK IT** camp. 🔒

Here’s what’s happening:

🛢️ **Oil prices are moving higher** as tensions in the Middle East escalate.

🏦 **Expectations for the Fed have shifted dramatically.** Markets are now pricing in a much greater chance of a rate hike as soon as September, with the possibility of another hike before the end of the year.

📈 **The 10-year Treasury hit 4.76% this morning, a new high for the year.** That matters because movement in the bond market and Treasury yields can heavily influence mortgage pricing.

💼 **Jobs data comes out this week**, and a stronger-than-expected report could add even more pressure to rates.

# # # 🔒 MY OUTLOOK

**Today: LOCK**
**Next 15 days: LOCK**
**15–30 days: LOCK**
**30+ days: Strongly consider locking**

Could rates improve? Absolutely. Markets can change quickly.

But right now, there are simply more things that could push rates **higher** than there are things likely to bring them meaningfully lower.

And remember, waiting for a better rate is still a decision. Sometimes it pays off. Sometimes the market makes you pay for waiting. 😬

If you're under contract or getting close to making an offer, let's talk about your specific situation instead of trying to time the market perfectly.

📲 **254-723-1186**
🌐 **TheTexasLoanTeam.com**

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76701

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