If you bought or refinanced in 2020–2022, there’s a good chance you’re sitting on a mortgage rate around 3%. And now you’re asking the big question: “Does it make financial sense to give up my 3% interest rate and buy a new home in Texas?” For Texas move-up buyers, this isn’t just emotional — it’s mathematical. Let’s break down the real numbers, market dynamics, and long-term strategy so you can make a confident decision. The “3% Mortgage Rate Lock-In” Effect in Texas Many Te

When mortgage rates move, many people assume it’s random or driven solely by the Federal Reserve. In reality, one of the biggest influences on interest rates is the monthly jobs report. As a mortgage lender, this is one of the first economic indicators we watch—because it often explains why  rates are rising or falling. Why Job Numbers Matter to Mortgage Rates The U.S. jobs report, released monthly, shows how many jobs were added or lost, the unemployment rate, and wage growt

Many potential homebuyers choose to “wait and see” before purchasing a home, hoping for lower interest rates or better market conditions. While that approach can feel safe, waiting often comes with significant hidden costs—especially when you factor in rising home prices, rent payments, and lost equity. Let’s break down what waiting three years could really cost you if you are considering a $400,000 home and currently paying $2,500 per month in rent. 1. Rent Paid Over 3 Years

If you’re thinking about buying a home or refinancing in Texas in 2026 , the biggest question is simple: Is now the right time—or should I wait? According to the January 2026 Housing Forecast from Fannie Mae , the Texas housing market is entering a more stable—but still competitive—phase, with mortgage rates leveling out, home prices continuing to rise, and buyer demand increasing statewide Let’s break down what this means specifically for Texas homebuyers, sellers, and homeo

I still talk to people who wanted to buy back in 2021 and decided to wait for the “perfect deal.” Fast forward to today—and they’re still waiting.   Here’s the truth 👇 💡 There ARE great deals in the market right now. They just look different than they did a few years ago.   ✔️ Less buyers = less competition (no bidding wars, fewer stress-filled offers) ✔️ Seller credits to help cover closing costs or buy down your interest rate ✔️ Negotiation power is back in the buyer’s ha

If you’re preparing to buy a home in Houston, Texas , one of the most important steps you can take is securing a mortgage pre-approval . Whether you’re a first-time homebuyer or upgrading to a larger property, a mortgage pre-approval sets the foundation for a smooth, confident home-buying experience. As the Houston housing market remains competitive, getting pre-approved early can give you a major advantage over other buyers. I’m Jennifer No with Cypress Mortgage Pro , licens

By Jennifer No, Cypress Mortgage Pro When shopping for a mortgage, it’s easy to get caught up in the excitement of finding the lowest interest rate . After all, a lower rate means a lower monthly payment—right? While that’s true on paper, the lowest mortgage rate  doesn’t always mean you’re getting the best mortgage deal . There are many other factors that affect the overall cost of your home loan and your long-term financial goals. In this article, we’ll break down why focus

What exactly is a 50-year mortgage? A “50-year mortgage” means stretching the term of the home loan from the more common 30 years (or 15/20 years) out to 50 years. The idea: by spreading the payments over a much longer period, the monthly payment goes down — which may help with affordability. But as you’ll see, there are trade-offs. ✅ The Good Here are the advantages of a 50-year mortgage. Lower monthly payments / improved affordability Because the repayment period is longer,

By Jennifer No – Cypress Mortgage Pro If you’re a veteran, active-duty service member, or surviving spouse, a VA mortgage loan  could be your key to affordable homeownership in Texas. Backed by the U.S. Department of Veterans Affairs, VA loans  are one of the best benefits available to those who’ve served our country — offering zero down payment , competitive rates , and no private mortgage insurance (PMI) . As your local Houston-area mortgage expert , I’m passionate about he

Discover why buyers can find great deals on homes today. Learn about mortgage rates, refinancing, and how a mortgage lender can help you save money. Buying a home can feel overwhelming, especially when mortgage rates seem unpredictable. But here’s the good news: today’s housing market offers unique opportunities for buyers, and working with a trusted mortgage lender can make all the difference. 1. Mortgage Rates and Home Buying Even though mortgage rates have fluctuated, buye