Aaron Williams, MLO

09/25/2026

It's great to work at one of top lenders in the Austin area!

Amplify Credit Union ranks among top Austin-area mortgage lenders on the Austin Business Journal list.

09/21/2026

Myth: You have to have VA eligibility to assume a VA loan.

This is one of the most common misconceptions I hear about VA assumptions.

The reality is that a buyer does not have to be a veteran or have VA eligibility to assume a VA loan. A qualified civilian buyer may be able to assume a VA mortgage, subject to lender and servicer approval.

Where it gets more complicated is understanding what happens to the seller's VA entitlement after the assumption. That's why it's important for both buyers and sellers to fully understand the process before moving forward.

VA assumptions can be a powerful opportunity, especially when an existing loan has an interest rate that's lower than today's market rates.

The biggest takeaway? Don't assume a VA loan assumption is off the table simply because the buyer isn't a veteran.

If you'd like to learn more about how VA assumptions work, let's talk.

09/14/2026

🏡 Mortgage Myth Monday

Myth: "I should wait to buy a home until rates drop."

I hear this one all the time.

The reality is that no one knows exactly where mortgage rates will go or when they'll move. While many buyers focus on waiting for lower rates, it's important to remember that rates are only one piece of the puzzle.

Home prices, inventory, competition, and your personal financial situation can all change while you're waiting. In some cases, lower rates can bring more buyers into the market, creating more competition for the same homes.

Instead of trying to perfectly time the market, focus on whether you're financially ready and whether a home purchase makes sense for your goals and timeline.

The best time to buy isn't necessarily when rates are lowest. It's when you're prepared and the opportunity is right for you.

If you're wondering what your options look like in today's market, let's talk.

09/07/2026

🏡 Mortgage Myth Monday

Myth: "I need to pay off all my debt before I can buy a home."

This is one of the most common misconceptions I hear from prospective homebuyers.

The truth is that having debt doesn't automatically prevent you from qualifying for a mortgage. What's often more important is how your debt fits into your overall financial picture.

In some cases, paying off debt before buying makes sense. In other cases, it may be better to keep cash available for your down payment, closing costs, or reserves.

That's why I always encourage buyers to have a conversation before making major financial decisions. The strategy that makes sense for one person may not be the best move for someone else.

If you're thinking about buying a home and wondering whether your debt is holding you back, let's talk through your options.

📧 [email protected]

08/31/2026

🏡 Mortgage Myth Monday

One of the most common questions I get from prospective homebuyers is:

"What's the first-time homebuyer program?"

The reality is that there isn't one universal first-time homebuyer loan that every lender offers.

Different lenders have access to different programs, incentives, and financing options. Some have income limits, some are location-specific, and some have unique features that may or may not fit your situation.

The biggest mistake I see buyers make is assuming they've already found all of their options before having a conversation with a lender.

At Amplify, we have a first-time homebuyer program that stands out because it doesn't have the income restrictions that are common with many similar programs.

The best first step isn't finding the first-time homebuyer program. It's finding the option that's the best fit for you.

If you're wondering what options might be available, let's talk.

📧 [email protected]

08/21/2026

08/19/2026

A new chapter begins.

I'm excited to announce that I've joined Amplify Home Loans. Throughout my career, I've been passionate about helping people make informed mortgage decisions and achieve their financial goals through homeownership.

I'm grateful for the relationships I've built over the years and excited to continue serving clients, Realtors, builders, and referral partners in this new role.

Looking forward to what we can accomplish together.