Steve Kyles Team NMLS #330894

02/25/2026

Deanna Mellas, this meant a lot. Thank you.

Working alongside you over the years has truly been a gift. The professionalism, consistency, and care you bring to every file is a big reason transactions stay smooth and on time.

The “waiting” mindset is real in this market. When we equip agents with clarity and a real strategy for their buyers, it changes the conversation. Details matter. Preparation matters. Partnership matters.

Grateful for you, for StarTex Title, and for the way you serve at such a high level. And yes… those bagel breakfast sandwiches were outstanding.

Strong partnerships really do lead to smooth closings. Always honored to teach, collaborate, and build together.

01/27/2026

Most people don’t make bad mortgage decisions because of rates.

They make them because they don’t have clarity.

Buying, selling, or refinancing is a decision problem, not an information problem.

That’s why we host a free weekly clarity class for buyers and homeowners who want to understand:

• what actually matters right now
• how to think about timing, payments, and strategy
• whether it makes sense to move forward—or wait

No sales pitch.
No pressure.
Just clarity before you commit.

Live every Thursday night.
Register free here → www.KnowBeforeYouMove.com

01/22/2026

Many buyers don’t move forward because they’re unsure, not because they’re unqualified.

Waiting on rates.
Waiting on prices.
Waiting for the market to feel “right.”

That uncertainty is exactly what keeps people stuck.

Tonight, Steve Kyles is hosting a free live Zoom class designed to help buyers understand the most common mistakes people make when buying a home, and how to avoid them, so they can decide their next step with confidence.

This is not a sales presentation.
There’s no pressure to buy.
It’s simply about clarity before making a big decision.

This class is ideal for:
• Buyers on the fence
• First-time buyers
• Move-up buyers waiting for the “right” time
• Anyone who wants a clearer plan before moving forward

Free live Zoom class tonight
No pressure. Just clarity.

👉 Register here:
https://knowbeforeyoumove.com

11/11/2025

Your Credit Karma score isn’t your mortgage score... and it could cost you thousands.

Most buyers are shocked when their lender pulls a different (and lower) number. In this new episode, I break down:

• Why Credit Karma uses VantageScore, not FICO 2/4/5 (what lenders actually use)
• How even a 20-point gap can change your rate or approval
• Simple steps to protect your buying power and boost your score fast

Watch now: https://www.youtube.com/watch?v=SRYUmn6NVp8

Listen now: https://podcasts.apple.com/us/podcast/why-your-credit-karma-score-isnt-your-mortgage-score/id1847422273?i=1000736280421

Want the free “Credit Karma vs FICO” guide?
Email [email protected] or text 281-701-4521

Ready to build your Clear Mortgage Plan?
Schedule your free 15-minute call at www.ResultsWithSteve.com

Ever checked Credit Karma and felt confident, then your lender pulled a totally different (and lower) score? In this episode, Steve Kyles, Houston Mortgage E...

11/05/2025

How to Wake Up Old Leads and Turn Them Into New Buyers

If you have a list of buyers who hit pause last year because of higher rates or limited inventory, now is the time to reach back out.

Rates are down about three quarters of a point since spring.
Inventory is up, which means buyers finally have options.
Sellers are motivated and offering incentives to help cover closing costs or rate buydowns.

The combination of lower rates, more homes, and flexible sellers has created the perfect window for your past clients to get back in the game.

Here’s how to do it:
Step 1: Pull Your List
Go back through your CRM and find anyone from the last 12 to 18 months who said things like:
“We’re waiting for rates to drop.”
“We’re saving more for a down payment.”
“The market’s just too crazy right now.”

These buyers already trust you. They just need to hear that the market has changed.

Step 2: Commit to a Simple Call Plan
Make 5 to 15 calls a day. You’ll reach about 25 to 40 percent live, so be ready to leave a great voicemail.

Here’s one that works:
“Hey [First Name], it’s [Your Name]. We talked last year when you were thinking about buying a home and decided to wait. I wanted to let you know that rates are down, inventory is up, and sellers are helping buyers again.
If you’ve been wondering whether now’s the right time, this might be the perfect window. Call or text me and I’ll help you run the numbers.”

Step 3: Lead With the Big Three Talking Points

Rates are lower. Buyers can afford more home or lower payments.
Inventory is higher. It’s finally possible to find the right location, condition, and price.
Sellers are flexible. Many are covering closing costs or offering credits to make deals work.

Step 4: Follow Up With a Text or Email
Even if they don’t pick up, send a quick follow-up message.

“Rates are down, inventory is up, and sellers are offering incentives again. Want me to send an updated payment estimate”

Short, simple, and full of value.

Step 5: Offer a Clear Next Step
When they respond, invite them to a short mortgage strategy call to update their numbers and create a clear plan.

At ProLending Mortgage, every buyer gets:
Verified pre-approval within hours
A 30 minute loan consultation
Weekly Tuesday updates so everyone knows exactly where things stand

Agents following this system are seeing 25 to 30 percent of their paused buyers re-engage within two weeks.

Because when you reach out with clarity and confidence, buyers move.

Want help reactivating your buyer pipeline
Text me at 281-701-4521 and I’ll send you my Buyer Reactivation Script and Call Checklist. It’s the exact framework top Houston agents are using to turn old leads into new closings.

Schedule a quick strategy call: https://houstonmortgageexpert.com/schedule-a-call/
Read the full blog and resources https://www.HoustonMortgageExpert.com/blog

Explore Houston mortgage tips, local market updates, first-time homebuyer info & realtor strategies from Houston’s trusted mortgage team.

10/20/2025

Sellers and listing agents prioritize confidence over price. A verified approval letter ensures income and assets are verified, minimizing delays and potential deal breakers. Speed and proactivity matter—delays kill momentum and cost opportunities. Move decisively with a consistent process.

08/23/2025

Still think you need a hefty 20% down payment to buy a home? That’s just a myth! 🏡

The path to homeownership might be closer than you realize. There are a variety of down payment options that require far less upfront cash than most people expect.

In just 30 seconds, this video will reveal:
• The real facts behind down payment requirements
• Inspiring stories from buyers who purchased with less than 20% down
• How you could jumpstart your journey to owning a home

Don’t let outdated info hold you back, tap to watch and see how achievable your dream home could be!

Want to learn more? Drop a comment or message me today! 👇

08/03/2025

Buy now or wait?

Here’s what most people don’t realize—waiting could actually cost you more than you think.

In this quick video, I’ll walk you through:
• How waiting impacts your buying power
• What changes when rates drop (and why that drives prices up)
• The truth about what $2,400/month could be building for you right now

If you’ve been on the fence, this is worth a few minutes.
Owning isn’t just about the payment—it’s about building long-term wealth.

Want the full breakdown and next steps?
I dropped everything in the first comment ⬇️

09/18/2024

💥 Dealing with Haters? Here’s how to stay focused and rise above the noise! 💥

We all face criticism and negativity, but here’s the truth: It can only hold you back if you let it. 🚫

In my latest Loan Officer Leadership Podcast episode, I sit down with Carl White to break down real strategies to handle the haters and keep moving forward. 🚀

We dive into: 👉 How to stay motivated even on tough days. 👉 Turning adversity into a powerful growth tool. 👉 Shutting out the distractions and focusing on what really matters. 🎯

🔊 Ready to tune out the noise and keep pushing forward?
Listen here 👉 loanofficerleadership.com/363-dealing-with-the-haters

Let me know your thoughts below 👇 and share your best tips for staying focused when the noise gets loud!
Steve Kyles

August 21, 2024 363. Dealing with the Haters Welcome to Loan Officer Leadership, your #1 podcast for Loan Officers who are looking for structure and success. In this episode, your hosts, Steve Kyles and Carl White discuss practical strategies for handling criticism and negativity. They explore how t...

02/05/2024

Embrace your failures like they’re stepping stones to your success. Each misstep teaches us something invaluable, something a smooth path never could. Remember, it’s not about how many times you fall but how many times you get back up, stronger and wiser. Let’s turn our failures into our biggest strengths. 🚀 ”

02/04/2024

In a world that’s constantly changing, personal growth is not just an option; it’s a necessity. Investing in ourselves, learning new skills, and stepping out of our comfort zones are the keys to not just surviving but thriving. Let’s commit to being lifelong learners, together. ”