Texas Mortgage Analyst
Plan 5 Years Ahead,
Not Just 30 Days.
A strategic approach to mortgage planning for Texas families and investors.
Strategy
Watch the Spread
Yields are pushing higher. Structure matters more than timing.
30 Yr Fixed
7.03%
APR 7.09%
15 Yr Fixed
6.42%
Conventional
10Y Treasury
4.96%
Benchmark
The Spread
2.07%
+0.08% wk/wk
Live from FRED · Refreshed Sep 24, 2026, 11:48 AM CT
Market Data Disclosure: Mortgage rate data is sourced from the Federal Reserve Bank of St. Louis (FRED) Primary Mortgage Market Survey® and represents national weekly averages for conforming loans. 10-Year Treasury Yields represent daily market close values.
APR Disclosure: Annual Percentage Rate (APR) estimates displayed above assume a standard loan scenario with 20% down payment and typical closing costs.
Not an Offer to Lend: These figures are for informational purposes only and do not constitute an offer to lend or a guarantee of an interest rate. Actual rates and APRs will vary based on your specific credit score, loan-to-value ratio, debt-to-income ratio, property type, and market conditions at the time of lock. Rates are subject to change daily without notice.
The V.A.I. Method
How We Work Together
A smarter, data-driven path to your new home.
Vision
We define your 5-year wealth goals.
Before we talk rates, we talk outcomes. Where do you want to be in five years — and what does this property have to do to get you there?
Schedule CallAnalysis
We compare multiple scenarios.
Conventional against FHA against a 2-1 buydown. Total cost of ownership, not just the note rate. The math picks the loan.
Compare ScenariosExecution
We execute the strategy & close on time.
Clear-to-close is a project, not a hope. You get a timeline, a document list, and a direct line to me — not a call center.
Start ApplicationTailored Solutions
Specialized Lending
Expertise for complex financial profiles.
Analyst Tools
Run the Numbers Yourself
Six calculators built on the same math I use to structure real loans.
Mortgage Analyzer
Monthly payments, total interest, and extra-payment savings.
Launch Tool →Scenario Comparator
Compare FHA, VA, and Conventional side-by-side.
Launch Tool →Pro Scenario Builder
Structure complex loans, buydowns, and cash-to-close.
Launch Tool →Cost of Waiting
The financial impact of buying now vs. waiting.
Launch Tool →Rent vs. Own
The long-term wealth impact of owning versus renting.
Launch Tool →Blended Rate Calc
Your effective rate when layering a HELOC on a low mortgage.
Launch Tool →Market Pulse
Latest analysis
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Start Here
Seven questions. A real number.
No credit pull, no obligation. Answer a few questions about the property and your income, and you'll see a working payment estimate before we ever speak — then I'll come back with the strategy behind it.
- No credit pullNothing here touches your score.
- Your numbers, not averagesPriced to your county, credit, and program.
- A reply within one business dayFrom me, not a call center.
Local Expertise
Real Advice. Real Human.
“Your neighbor first, your lender second. I live right here in Celina, which means I treat your mortgage with the same care I'd treat my own.”