Jennifer Baum - Mortgage Loan Officer - NMLS #2695619

Jennifer Baum - Mortgage Loan Officer - NMLS #2695619 VanDyk Mortgage Corporation was established in 1987 by its Founder and CEO Thomas L. VanDyk in Grand Rapids, Michigan.

jenniferbaum.vandykmortgage.com
Licensed in TEXAS & FLORIDA NMLS #2695619
VanDyk Mortgage Corporation NMLS #3035
Equal Housing Opportunity | nmlsconsumeraccess.org

Boy mom 💙, faith-driven ✝️ & passionate about making dreams a reality ☀️ We currently have over 500 employees and we are licensed in 48 states with 90+ brand offices nationwide. Since 1987, we’ve closed over 120,000 mortgage loans. Whether you’re looking to refinance your current home or find the right mortgage loan program for you, we’re ready to help you!

Mortgage rates moved higher this week. 📈 So what does that actually mean for a buyer?It’s easy to get caught up in the r...
09/25/2026

Mortgage rates moved higher this week. 📈 So what does that actually mean for a buyer?

It’s easy to get caught up in the rate itself, but what really matters is how that rate impacts your monthly payment and buying power.

Does the rate matter? Absolutely.

But this is also where strategy matters.

Can seller concessions help buy down the rate or cover closing costs?

Would a different loan program make more sense?

Can we structure the financing around a monthly payment you’re comfortable with?

And remember—the rate you see in a headline isn’t necessarily "your" rate. Your loan program, credit, down payment, loan amount, property type and other factors all play a role.

Don’t make a homebuying decision based on a headline. Make it based on your numbers.

🏡 Thinking about buying in the next 3–12 months? Here’s your next step:

📲 Text me the word “PAYMENT” at 512-608-1519.

I’ll help you figure out:

✓ A comfortable monthly payment
✓ The price range that supports that payment
✓ Loan options that may fit your situation
✓ How today’s rates actually affect YOUR buying power

No guessing based on headlines. Let’s put real numbers to your plan.

📲 512-608-1519
🌐 jenniferbaum.vandykmortgage.com

Jennifer Baum | Loan Officer
NMLS #2695619

*Image for illustrative purposes only. Assumes monthly rent remains unchanged and does not include potential rent increases, fees, utilities or other housing costs.

Wondering how much home you can actually afford?What income do you need for a $300K, $600K or $800K home?There isn’t one...
09/23/2026

Wondering how much home you can actually afford?

What income do you need for a $300K, $600K or $800K home?

There isn’t one magic number. Your down payment, monthly debts, credit, taxes, insurance and loan program all play a part.

Instead of guessing, let’s run the numbers together and figure out what purchase price and monthly payment actually fit your budget.

📲 Let’s chat. No pressure. No judgment. Just answers.

Jennifer Baum | Loan Officer
NMLS #2695619
512.608.1519

🏡 Mortgage Tip MondayWhat you’re approved to borrow and what comfortably fits your monthly budget may be two different n...
09/21/2026

🏡 Mortgage Tip Monday

What you’re approved to borrow and what comfortably fits your monthly budget may be two different numbers.

A pre-approval determines what you may qualify for—but your personal budget should also consider:

🔑 Your ideal monthly payment
🔑 Utilities & home maintenance
🔑 Savings & emergency funds
🔑 Travel, hobbies & everyday expenses
🔑 Your long-term financial goals

My job isn’t simply to tell you the maximum you can spend. It’s to help you understand the numbers and choose a price range that feels comfortable for your life.

Let’s build a homebuying budget—not just a pre-approval.

Jennifer Baum | Loan Officer
📱 512.608.1519
NMLS #2695619 | Licensed in TX & FL

Happy Friday! 🏡If house hunting is on your weekend agenda, here’s your friendly reminder:Don’t wait until you find THE h...
09/18/2026

Happy Friday! 🏡

If house hunting is on your weekend agenda, here’s your friendly reminder:

Don’t wait until you find THE house to figure out the financing.

Knowing your numbers ahead of time makes the whole process a lot easier — your comfortable payment, estimated cash to close, loan options and what price range actually makes sense for you.

And if you find a house this weekend and need numbers run? I’m around. 😊

Have a great weekend!

Grateful for the momentum and for every client and referral partner who continues to trust me! ❤️🏡
09/15/2026

Grateful for the momentum and for every client and referral partner who continues to trust me! ❤️🏡

🏡 **Mortgage Tip Monday**Think you need 20% down to buy a home? You may have more options than you realize!Some qualifie...
09/14/2026

🏡 **Mortgage Tip Monday**

Think you need 20% down to buy a home? You may have more options than you realize!

Some qualified buyers may be able to purchase with:

🔑 As little as 3% down
🔑 3.5% down with FHA
🔑 0% down with eligible VA or USDA financing
🔑 Down payment assistance

Don’t let an outdated myth keep you from exploring homeownership.

Comment **READY** or message me & let’s look at what may work for you!

Jennifer Baum | Loan Officer
📱 512.608.1519
NMLS #2695619 | Licensed in TX & FL

Nothing like a signed contract hitting the inbox before the weekend! 🎉I’m so honored that a recent client referred his c...
09/11/2026

Nothing like a signed contract hitting the inbox before the weekend! 🎉

I’m so honored that a recent client referred his coworker to me as he begins the process of buying his first home.

A little backstory: he had originally walked into a brick-and-mortar bank and walked away believing he needed 20% down to buy. I’m not sure what that conversation entailed, but that was what he heard—and it kept him from moving forward.

His coworker sent him my way. We got the application in, reviewed his options and got him pre-approved. Then his Realtor worked their magic: negotiated a lower purchase price & full seller concessions!

Now, just one week later, this 21-year-old is under contract on his first little piece of Texas! 🤠🏡

Congratulations! First-time buyers: don’t let a down-payment myth keep you from finding out what may be possible. Let’s have a conversation.

📲 Jennifer Baum | Loan Officer
512.608.1519
jenniferbaum.vandykmortgage.com
NMLS #2695619 | Licensed in TX & FL

Sometimes offering a lower price isn’t always the best play. 🏡*Seller concessions can sometimes leave more money in your...
09/09/2026

Sometimes offering a lower price isn’t always the best play. 🏡

*Seller concessions can sometimes leave more money in your pocket at closing.

Instead of negotiating only on price, you may be able to negotiate seller-paid closing costs that can help cover things like:

💰 Prepaids & escrow setup
📉 An interest-rate buydown
🏠 Other allowable loan costs

A lower purchase price might save you a little each month — while the right concession strategy could save you up front and leave more money in your pocket at closing.

Every loan and transaction is different, which is why it’s important to look at the whole picture, not just the sales price.

Thinking about buying? Let’s run the numbers and see what makes the most sense for you.

📲 512.608.1519

Happy Labor Day Weekend! 🇺🇸You may be taking a break this weekend, but your home goals don’t have to. 😉Whether you’re re...
09/06/2026

Happy Labor Day Weekend! 🇺🇸

You may be taking a break this weekend, but your home goals don’t have to. 😉

Whether you’re ready to:

🔑 Get pre-qualified
🏡 Buy your first home
📦 Make your next move
💰 Explore investment property options

I’m here to help! If you have questions about financing, payments or where to begin; reach out anytime. Let’s get you one step closer to holding those keys in hand! 🔑

📲 512.608.1519
Jennifer Baum | Loan Originator
NMLS #2695619
Licensed in TX & FL

Real estate investing can be about more than simply adding another property to your portfolio. It can provide monthly i...
09/04/2026

Real estate investing can be about more than simply adding another property to your portfolio. It can provide monthly income, long-term equity growth & another piece of your overall financial strategy.

Whether you're considering your first investment property or your next one, understanding your financing options is an important part.

If you have a property in mind—or you're just starting to explore what might be possible—let’s run the numbers and look at your options.

📲 Reach out anytime. I’m happy to help.

Address

302 Millers Crossing Suite 12
Harker Heights, TX
76548

Telephone

+15126081519

Website

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