Your Fixed Rate Did Not Change but Your Mortgage Payment Went Up and Here Is the Real Reason Why
Brian BettyPublished on: 18/06/2026
Taxes and insurance raise your payment even with a fixed rate. Brian Beatty explains what to do now.
Mortgage
Brian Betty
A Price Cut Does Not Mean Every Listing Is a Lowball Opportunity and Here Is How to Find Real Deals
Brian BettyPublished on: 15/06/2026
Not every cut means lowball room. Brian Beatty explains where real negotiating leverage actually is.
Mortgage
How Much Home Can You Afford in Today’s Market?
Brian BettyPublished on: 01/10/2025
Figuring out how much house you can really afford has always been important — but in today’s market of fluctuating mortgage rates and shifting home prices, it’s become essential. Many buyers are discovering that what once felt affordable may now stretch their budget. Here’s how to think about affordability today and what you can do to maximize your buying power.
Mortgage
Is Now a Smart Time to Buy or Refinance? Here’s What You Need to Know
Brian BettyPublished on: 01/10/2025
Whenever mortgage rates start moving—especially after a Federal Reserve rate cut like we saw in mid-September—the big question comes up: Should I act now or wait? Buyers don’t want to miss a deal, and homeowners wonder if refinancing could save them money. The truth isn’t one-size-fits-all. Let’s break down the key factors that can help you decide.
Mortgage
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Pursuant to the requirements of Section 157.007 of the Mortgage Banker Registration and Residential Mortgage Loan Originator Act, Chapter 157, Texas Finance Code, you are hereby notified of the following: Consumers wishing to file a complaint against a mortgage banker or a licensed mortgage banker residential mortgage loan originator should complete and send a complaint form to the Texas Department of Savings and Mortgage Lending, 2601 North Lamar, Suite 201, Austin, Texas 78705. Complaint forms and instructions may be obtained from the department's website at www.sml.texas.gov A toll-free hotline is available at 1-877-276-5550. The department maintains a recovery fund to make payments of certain actual out of pocket damages sustained by borrowers caused by acts of licensed mortgage banker residential mortgage loan originators. A written application reimbursement from the recovery fund must be filed with and investigated by the department prior to the payment of a claim. For more information about the recovery fund, please consult the department's website at www.sml.texas.gov
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