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Journal

Notes from the desk.

Honest writing on the Texas market, first-time buyers, self-employed loans, and the questions clients ask most.

What If I Have a Bad Credit Score?

Featured · Credit · November 1, 2026

What If I Have a Bad Credit Score?

A low credit score doesn't have to stop you from buying a home. See what lenders look at, real client stories, and how to avoid credit repair scams.

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Self-Employed and Trying to Buy a Home? Read This First.

Self-Employed · July 17, 2026

Self-Employed and Trying to Buy a Home? Read This First.

Learn how to qualify for a self-employed home loan Texas buyers trust. Avoid common mistakes and improve your approval odds.

Why a 14 Day Close Changes the Offer Game in Texas

Texas Market · May 12, 2026

Why a 14 Day Close Changes the Offer Game in Texas

A 14 Day Close Texas strategy helps buyers compete, close faster, and stand out in today's competitive housing market.

Rent vs Own in 2026: The Math Has Shifted Again

Market Updates · April 9, 2026

Rent vs Own in 2026: The Math Has Shifted Again

Rent vs Own in 2026? See how today's numbers affect Texas buyers and learn when buying makes more financial sense.

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    Buda, TX 78610

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CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A COMPANY OR A 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 CONSUMER 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 RESIDENTIAL MORTGAGE LOAN ORIGINATORS. A WRITTEN APPLICATION FOR 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 WEB SITE AT WWW.SML.TEXAS.GOV.
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