Palmer Holland - NMLS# 1414187

Palmer Holland - NMLS# 1414187 Meridian Mortgage DBA American Pacific Mortgage NMLS 1850 Equal Housing Opportunity
(www.nmlsconsumeraccess.org)

05/27/2026

One of the biggest myths in lending is that one collection account automatically disqualifies you from buying a home.

That’s simply not true.

I recently closed a VA loan for a buyer with a $2,200 medical collection. Approved. Competitive rate. Closed successfully.

Here’s what actually matters:
✅ Is the collection paid or in a settlement agreement?
✅ How old is the collection?
✅ Was it medical debt or revolving debt?
✅ Is there documentation explaining the situation?
✅ Are there multiple recent collections with no explanation?

Medical collections are often treated differently than credit card collections — especially with VA and FHA financing.

And sometimes the issue isn’t even valid. I’ve seen inaccurate collections disputed, corrected, and removed entirely.

The mistake most buyers make is assuming they can’t qualify and never having the conversation.

If you’ve had collections, late payments, or credit issues in the past, that does NOT automatically mean homeownership is off the table.

DM me CREDIT and I’ll walk you through what your real options look like.

FirstTimeHomeBuyer DFWRealEstate DallasRealEstate FortWorthRealEstate TexasMortgage CreditScoreTips VeteranHomeLoan MedicalCollections HomeLoanApproval MortgageEducation CreditHelp RealEstateTips MortgageLender VAHomeLoan PalmerHolland

05/25/2026

Most veterans in DFW don’t realize they’re sitting on one of the strongest home loan benefits available. 🇺🇸

Right now, VA rates are significantly lower than conventional rates — and on a $350K home, that difference could save you over $147/month and nearly $53,000 over the life of the loan.

✅ $0 Down
✅ No PMI
✅ Lower monthly payment
✅ Designed specifically for veterans and active-duty military

The VA loan isn’t a backup option. It’s an advantage.

If you’re military, veteran, or recently separated and wondering what you actually qualify for in today’s market, send me a DM with the word VETERAN and I’ll help you map it out.

TexasVeterans MilitaryHomeBuyer VeteranBenefits HomeBuyingTips VAHomeLoan ArlingtonTX PlanoTX DFWMortgage MortgageTips MilitaryBenefits FirstTimeHomeBuyer TexasRealEstate VeteranLife MortgageLender PalmerHolland

05/22/2026

Most appraisal repair deals get delayed the second the report comes back.
But this one didn’t.
We worked with underwriting to structure the repairs as a prior-to-funding condition instead of prior-to-closing — which kept the closing appointment on schedule and avoided an extension.
That’s the difference between stopping a deal… and knowing how to structure a path forward while still protecting the lender, buyer, and contract timeline.
Not every repair situation qualifies, but experience matters when timelines are tight.
If you’ve got a buyer stuck waiting on appraisal repairs, DM me “REPAIR.”
Appraisal RealtorTips MortgageBroker TexasRealEstate Underwriting HomeLoans RealEstateEducation ClosingDay FHALoan ConventionalLoan

05/04/2026

Most move-up buyers don’t realize how much equity they’re sitting on
And it’s costing them big
Your equity isn’t just sitting there — it can help you move up faster, with less cash out of pocket
It’s not about waiting… it’s about using what you’ve already built
DM me if you want to see what your numbers look like

04/29/2026

believing the credit score myths keeping you out of the market

You don’t need a 750 to buy a home

I’ve closed deals with a 556 FICO — here’s what actually matters

Guidelines > overlays

DM “Let’s go” and I’ll help you build a plan

04/28/2026

Housing inventory jumped 22.2% year-over-year in Washington State. Maryland is up 16.4%. Even Kentucky is up 16.2%. 📈

This changes EVERYTHING for buyers in 2026.

For the last 3 years, inventory was the scarce resource. Sellers had power. Buyers were competing in bidding wars.

That’s inverting RIGHT NOW in multiple regions.

What this means for YOUR offer:

- Appraisal contingencies are back on the table (lenders actually like this)

- Inspection periods are negotiable again (don’t waive it)

- Seller concessions for closing costs are EXPECTED, not insulting

- You have time to shop rates—don’t lock too early

If you’ve been priced out for 2 years waiting for “the right time,” that time is THIS SEASON. 💪

Inventory normalization happens fast. Use it.

Let’s build a strategy that leverages this shift. Reply or call me.

04/27/2026

Here’s what nobody tells you about FHA loans 👇

You think you’re getting a deal with 3.5% down… but most people don’t realize what it actually costs over time 💸

FHA requires an upfront mortgage insurance premium (MIP) of 1.75% — and it gets rolled into your loan on day one

But here’s the real kicker ⚠️

If you put down less than 10%, you’re paying that monthly insurance for the full 30-year life of the loan

Not 10 years. Not 15 years. The entire loan

I had a client recently who didn’t realize she was adding nearly $48,000 in extra costs just by choosing 3.5% down instead of 10%

Sometimes a co-signer, gift funds, or a different strategy can completely change the numbers 📊

The math matters more than the marketing

If you’re considering FHA, message me “MIP” and I’ll break down what you’re actually paying

04/14/2026

Everyone is focused on the wrong number.

They’re looking at the price of the home…
Not what it actually costs them every month.

And that’s where people get into trouble.

Because two homes at the same price can have completely different payments.

Taxes.
Insurance.
Rate.
Loan structure.

That’s what really determines affordability.

But most buyers never see those numbers clearly before they start shopping.

So they guess.

And guessing leads to:
• Overextending
• Missing better opportunities
• Or backing out later

The people who win in this market?

They understand their payment first… then shop with confidence.

That’s how you move faster and make better decisions.

If you want to know what your real numbers look like — not guesses…

👉 Comment “PAYMENT” and I’ll break it down for you

Address

5850 Colleyville Boulevard
Colleyville, TX
76034

Telephone

+19043344263

Website

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