Christina Dominguez - The Texas Loan Team

06/15/2026

📅 June 15, 2026 Mortgage Market Update

It's Monday, and for a change, the mortgage market didn't show up choosing chaos. 😎

Friday ended up being a bit of a wash. Bonds started weaker, recovered throughout the day, and ultimately finished about where they started. A few lenders improved pricing, but nothing dramatic.

This morning is a different story.

📉 Oil prices have continued to fall.

📈 Bonds are improving.

🏠 Mortgage pricing is looking better than it did on Friday and could be some of the best pricing we've seen since early May.

The big reason?

The peace agreement between the U.S. and Iran appears to be moving forward, with formal signing expected later this week. Markets are cautiously optimistic that shipping through the Strait of Hormuz will return to normal, helping keep energy prices in check and easing inflation concerns.

What does that mean for homebuyers?

It means rates are moving in the right direction.

Now before everyone starts planning a mortgage-rate victory parade, let's remember that markets have a funny way of changing their minds. But for now, this is encouraging news.

👀 The next big event to watch is this week's Federal Reserve meeting.

This will be the first meeting under new Fed Chair Kevin Warsh, and markets will be paying very close attention to what he says about inflation, the economy, and future rate policy.

Current outlook:

✅ Next 15 Days: Cautiously float.

As long as the peace agreement stays on track and the Fed doesn't surprise the market, rates could continue to improve.

✅ 15-30 Days: Looking more favorable.

Some analysts believe mortgage rates could be about 0.25% lower by mid-July if current trends continue.

✅ 30+ Days: Float.

The outlook remains positive, but there are still plenty of moving pieces that could affect rates.

Bottom line:

After spending what felt like months watching rates play a game of "one step forward, two steps back," we're finally seeing some momentum in the right direction. Let's hope the market doesn't decide to pull a Texas weather forecast and completely change its mind by tomorrow. 😂

Source & Credit: Hammer @ RateSensei.com

06/12/2026

📅 June 12, 2026 Mortgage Market Update

Mortgage rates got a little boost yesterday, and for once, it wasn't because of some obscure economic report that nobody outside the mortgage industry pretends to understand. 😅

The big story was news that President Trump called off planned strikes against Iran and instead indicated a deal could be reached as soon as this weekend.

The bond market loved that news.

Mortgage bonds rallied hard yesterday afternoon, improving enough that many lenders issued better pricing during the day. That's always a welcome sight because lender reprices for the better are a lot more fun than the alternative.

So where are we today?

🏠 Rate sheets should still be noticeably better than they were yesterday morning.

📉 Bonds have given back a small portion of yesterday's gains, but we're still in much better shape than we were 24 hours ago.

👀 The market is now watching to see if a deal actually gets done this weekend. If it does, we could see rates continue to improve next week. If talks stall or fall apart, some of those gains could disappear.

Current outlook:

✅ Next 15 Days: Cautiously float, but keep one hand near the lock button.

There is finally a path for rates to improve if tensions continue to ease and oil prices remain under control.

✅ 15-30 Days: Looking a little more favorable.

If a deal gets signed and next week's Fed meeting goes smoothly, rates could trend lower heading into July.

✅ 30+ Days: Float.

The outlook has improved compared to a week ago, although there are still plenty of moving pieces that could change the story.

Bottom line:

The mortgage market spent the last couple of weeks acting like it drank three energy drinks and watched an action movie marathon. Yesterday was the first time in a while that everyone collectively said, "Okay... maybe let's calm down." 😂

We'll see if that calm sticks around next week.

Source & Credit: Hammer @ RateSensei.com

06/11/2026

🚨 Student Loan Update: What Borrowers Need to Know 🚨

If you have federal student loans, there are important changes happening that may affect your repayment plan.

Here’s what’s going on in simple terms:

➡️ Some repayment plans are being phased out or changed
➡️ Borrowers on income-driven plans (like SAVE) may be moved to a new repayment option
➡️ Monthly payments could increase for some borrowers depending on the new plan
➡️ If you’re currently in a $0 or reduced payment plan, you may be required to recertify income or begin making payments again once notified
➡️ Even if you’re on auto-draft, you still need to watch for notices from your loan servicer—changes are not always automatic

⚠️ Important: Your servicer will NOT randomly change your plan without sending you instructions first. You’ll typically receive a notice and time window to choose your next step.

👉 Read the official announcement here:
https://www.ed.gov/about/news/press-release/fact-sheet-trump-administration-simplifying-student-loan-repayment

Best move right now:
✔ Log in to StudentAid.gov
✔ Confirm your repayment plan
✔ Make sure your contact info is current
✔ Watch your email/mail for updates

If you’re planning to buy a home soon, these changes could impact your qualifying payment—so it’s worth reviewing now.

Questions? I’m always here to help break it down.

06/08/2026

One thing I’ve learned as a mortgage broker:

Most buyers don’t need more confusing mortgage terms thrown at them.

They need someone to slow the process down and explain what everything actually means.

Because “you’re approved” is great…

But do you understand the payment?
The closing costs?
The loan program?
The long-term impact?
Why one option makes more sense than another?

That part matters.

I’ve seen buyers go from overwhelmed to confident simply because someone finally explained the numbers in plain language.

And that’s the experience every buyer deserves.

Buying soon?

Message me “GUIDE” and I’ll help you understand your next mortgage step.



— If we haven’t met yet, I’m Christina Dominguez, your go-to mortgage broker in Waco, Texas

06/07/2026

The universe has spoken… and apparently it’s very into paperwork. 😂

If the first word you saw was PREAPPROVAL, that’s your sign to stop casually scrolling Zillow and start finding out what you can actually afford.

Because “just looking” turns into “wait… could I buy this?” real fast.

Comment ‘June’ and I’ll help you figure out your first step.



— If we haven’t met yet, I’m Christina Dominguez, your go-to mortgage broker in Waco, Texas

06/06/2026

VA loans have always been one of the strongest mortgage options for eligible buyers.

The problem?

A lot of people still believe outdated myths about them.

Starting May 1, 2026, some VA appraisal requirements are being simplified, which may help reduce repair issues, seller hesitation, and closing delays.

That does not mean every VA loan is automatically easy.

It means the process may become smoother when the loan is structured the right way.

Comment or DM me the word ‘VA’ and I’ll help you review your options before you start house hunting.



— Christina Dominguez, your go-to mortgage broker in Waco, Texas

06/05/2026

Buying a home gets stressful when you’re building your plan around half-truths.

Here’s what I mean:

Waiting for rates to drop might help your payment, but it can also bring more buyers back into the market.

Online calculators are helpful, but they don’t see your full financial picture.

And being pre-approved is great, but your approval still needs to be protected until closing.

That’s why the mortgage conversation should happen before you fall in love with the house.

Not after.

A little clarity early can save you from a lot of surprises later.

Save this if buying a home is on your radar this year.



– Christina Dominguez, your go-to mortgage broker in Waco, Texas

06/04/2026

$10K off the purchase price sounds like the obvious win.

But it depends on what you need most.

$10K off the purchase price:

You’re lowering your loan amount by $10K.

At around a 6.25% rate over 30 years, that could be roughly:

$60 less per month
about $12K saved in interest over time

Sounds great, right?

But here’s the catch…

You still need cash for your closing costs.

So if you’re tight on funds, this may not help you get across the finish line.

$10K toward closing costs:

The price stays the same.

The loan may stay about the same.

But the seller helps cover $10K of your closing costs.

That means more money stays in your pocket at closing.

Yes, you may pay a little more over time.

But you’re not draining your bank account just to get the keys.

So which one is better?

Go with the price reduction if:

you already have cash saved
you want the lower monthly payment
you plan on staying long-term

Go with the closing cost credit if:

you’re tight on cash to close
you want reserves for moving, repairs, or life
you’re okay with a slightly higher payment

The goal is not just getting the keys.

It’s getting the keys and still liking your bank account after.

Comment “NUMBERS” and I’ll help you compare both options.



– Christina, your go-to mortgage broker in Waco, Texas

06/03/2026

Being a mortgage broker has taught me something simple:

Support can come from places you never expected.

Sometimes it’s not the people who watched you start.

Sometimes it’s the stranger who found your post, trusted your advice, shared your name, and gave you a chance to help with one of the biggest decisions of their life.

And that means more than you know.



– Christina Dominguez, your go-to mortgage broker in Texas

06/02/2026