Phong Truong - Financial Suit Team

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Phong Truong - Financial Suit Team The Financial Suit Team
Phong Truong - NMLS #1755092
NEXA Mortgage LLC - NMLS #1660690
Branch Lice

As an experienced Team of Mortgage Professionals, with the United States' leading brokerage, the Financial Suit Team work diligently to ensure you are well informed on today's market. We will work with you, to learn your financial situation in depth so we can create a plan for you to reach your goals. We have access to a major network of lenders in the USA, so your options are extensive. From there we will narrow down your options with the lenders/banks that are best suited to you. We will always ensure you are not only getting the best interest rate, but the best mortgage product suited to your specific needs. Whether you're buying your first home, an investment property, renewing your current mortgage, or even looking at consolidating current debts, We are the team to talk to. We pride ourselves on being an expert in the industry and love what we do! COMPLIANCE

"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 WEBSITE AT WWW.SML.TEXAS.GOV."https://www.sml.texas.gov/ResidentialMortgageLoanOriginator/documents/rmlo_compliance_reporting/rmlo_80_200_b_recovery_fund_notice.pdf

10/13/2026

What does the price of oil have to do with the home you want to buy? More than you might expect. 🏡

Monday morning, U.S. crude was up about 2% amid renewed geopolitical concerns, according to Schwab's October 12 market report. That was a morning snapshot, not a closing price.

Here is the mortgage connection: higher energy costs can add inflation pressure. If investors expect inflation to persist, that can put upward pressure on bond yields and new mortgage pricing. It is a possible channel, not proof that rates rose Monday or a prediction for Tuesday.

Latest published snapshot, Friday October 9: MND 30-year fixed index 7.48% (down 2 basis points); 2-year Treasury 4.80% (up 5); 10-year Treasury 5.24% (up 2). Changes are versus Thursday. Monday's cash-bond holiday left these published benchmarks dated Friday. They do not show a mortgage reaction to Monday's news.

Next: September CPI on Wednesday, October 14, and September PPI on Thursday, October 15, both at 7:30 a.m. Central. Those reports cover September, so they cannot capture Monday's October oil move. Results are still ahead.

Already have a fixed-rate mortgage? A market headline does not change your contractual principal-and-interest payment. Taxes and insurance can change separately.

Buying or refinancing with a floating rate? Before the next report, ask what a lock would protect, how long it lasts and what happens if closing is delayed. Decide around your timeline and comfort with uncertainty, not a guess about the next headline.

Monday-evening snapshot for Tuesday, October 13. Public benchmarks, not personal loan quotes. General education, not a loan offer.

Being ready does not mean you have to rush.Some days, you want a clear answer before taking another step.Instead, you ge...
10/11/2026

Being ready does not mean you have to rush.

Some days, you want a clear answer before taking another step.
Instead, you get more time to think.

That can feel like falling behind.
But a pause can help you notice what matters.

You can prepare without forcing the next chapter to start.

What are you giving yourself time to figure out?
Phong Truong NMLS # 1755092 | NEXA Lending, LLC Company NMLS # 1660690
NEXA Lending, LLC is an Equal Housing Lender.

Sometimes, a drive is about having time together, not getting somewhere.I enjoy driving around at night with my wife and...
10/10/2026

Sometimes, a drive is about having time together, not getting somewhere.

I enjoy driving around at night with my wife and the kids.
The drive helps put the kids to sleep.
It's peaceful, and my wife and I get time to talk.
We can talk about so many things.

That simple part means a lot to me.

There can be so much pressure to make time together special.
Plan something. Go somewhere. Make the most of every minute.
But I don't think every meaningful moment needs a big plan.

Sometimes, having room for a conversation is enough.

That's what I value about those drives.
Time together doesn't need to be another thing to get done.
It can be something we let ourselves enjoy.
There doesn't have to be a big point to every conversation.
Talking is part of feeling close.

It makes me think about what home means.

A house gives us a place to live.
But feeling at home also comes from being connected.
From having someone to talk with.
From making space for each other without needing a special occasion.

Not every quiet moment needs to become a lesson.

Still, these drives remind me that slowing down has value.
I don't want to overlook something peaceful because it seems ordinary.
The ordinary parts of life deserve our attention, too.

What's one simple way you and your family enjoy time together?

Phong Truong NMLS # 1755092 | NEXA Lending, LLC Company NMLS # 1660690
NEXA Lending, LLC is an Equal Housing Lender.

The next rental catches your eye, but selling yours feels wrong.Picture finding a property you want to add to your portf...
10/09/2026

The next rental catches your eye, but selling yours feels wrong.

Picture finding a property you want to add to your portfolio.
You start thinking about selling the rental you already love.
That thought puts a knot in your stomach.

Here's the myth: buying another property always means selling the first.

An investment-property line of credit may offer another path.
It lets you borrow against equity without selling the property.
The insight isn't that you should borrow.
It's that selling and staying put aren't your only choices.

Let's check whether the added borrowing fits your plans.

What would make you want to keep your current rental?

Phong Truong NMLS # 1755092 | NEXA Lending, LLC Company NMLS # 1660690
NEXA Lending, LLC is an Equal Housing Lender.

10/08/2026

Your next deal could start with equity you already have.

A HELOC can help you access cash tied up in your property.
That includes investment property, with options for Texas investors.
Draw when you find a deal.

Let's see what fits your situation.
Call The Financial Suit team at 832.402.6558 to understand your options.



Music: "Inspired" Kevin MacLeod (incompetech.com), licensed under Creative Commons: By Attribution 4.0 License http://creativecommons.org/licenses/by/4.0/
Phong Truong NMLS # 1755092 | NEXA Lending, LLC Company NMLS # 1660690
NEXA Lending, LLC is an Equal Housing Lender.

One good strike can remind you why you kept swinging.That's what I love about the lesson golf gives us.On the course, a ...
10/08/2026

One good strike can remind you why you kept swinging.

That's what I love about the lesson golf gives us.
On the course, a bad strike can feel bigger than it is.
You want the next one to make up for it.
When that doesn't happen, frustration can start doing the thinking.

Life can feel that way, too.

A hard day becomes a hard stretch.
You keep showing up, but progress feels far away.
It's easy to let those days tell the whole story.

Then comes one good strike.

It doesn't erase the ones before it.
It changes how you see the next one.
You remember there's still something worth coming back for.

I think about that when someone dreams of buying a home.
Saving can feel slow.
A no can feel personal.
The distance between starting and holding the keys can feel huge.

But the slow days still count.
They're where you build habits, ask questions, and find your next step.
Closing day can give all that effort a different meaning.

Every homebuying path has its own pace.

For me, the lesson isn't to pretend bad days don't hurt.
It's to leave room for a good day to surprise you.
One moment can remind you that the effort still matters.

What's your version of that one good strike lately?

Phong Truong NMLS # 1755092 | NEXA Lending, LLC Company NMLS # 1660690
NEXA Lending, LLC is an Equal Housing Lender.

A busy business can look quiet on paper.Picture an owner juggling orders, invoices, and the next job.Business stays busy...
10/07/2026

A busy business can look quiet on paper.

Picture an owner juggling orders, invoices, and the next job.
Business stays busy.

Then comes the mortgage conversation.
The tax return shows less income than the owner expected.

That does not make the tax return wrong.
It may not tell the whole lending story.

Some loan options use bank statements to help assess income.
Deposits need review, but they can reveal more of the business activity.

Qualification depends on the lender’s review of your records and finances.

Want to see whether bank statements could support your homebuying plans?
Phong Truong NMLS # 1755092 | NEXA Lending, LLC Company NMLS # 1660690
NEXA Lending, LLC is an Equal Housing Lender.

Clear to close in 2 business days.Our team just got an 85% LTV HELOC on a Texas investment property approved and ready t...
10/07/2026

Clear to close in 2 business days.

Our team just got an 85% LTV HELOC on a Texas investment property approved and ready to sign. No tax returns needed.

Most rental owners expect weeks of paperwork to tap their equity. Tax returns are often the part they dread.

With this program, you can access up to 90% combined LTV on your properties, with the exception of 80% combined LTV on a Texas primary home.

Every file is different, and timing depends on the property and the paperwork.

Own a rental in Texas? Let's see what your equity can do.

Phong Truong NMLS # 1755092 | NEXA Lending, LLC Company NMLS # 1660690
NEXA Lending, LLC is an Equal Housing Lender.

Today's Fed minutes may offer clues about inflation that can move mortgage pricing.Tuesday, October 6, brought some reli...
10/07/2026

Today's Fed minutes may offer clues about inflation that can move mortgage pricing.
Tuesday, October 6, brought some relief from Monday's recent high in mortgage pricing. The 10-year Treasury yield eased, while the 2-year yield fell more.
Over the past week, mortgage pricing and the 10-year Treasury yield were about flat. The 2-year yield was lower.
Watch September's Fed meeting minutes today, October 7, at 1:00 PM Central. They may reveal how worried officials are about inflation. Those views can change what investors expect, affecting mortgage pricing.
Also today: NY Fed consumer expectations at 10:00 AM Central.
Thursday, October 8: Fed Vice Chair for Supervision Michelle Bowman speaks, 9:45 AM Central.
Friday, October 9: preliminary Michigan consumer sentiment at 9:00 AM Central.
Buyers: get a fresh quote before deciding which homes fit your budget.
Homeowners: compare refinance costs with potential savings before changing your current loan.
What's your biggest question about buying a home or refinancing this fall?
Market averages from public sources, not an offer.
Phong Truong NMLS # 1755092 | NEXA Lending, LLC Company NMLS # 1660690
NEXA Lending, LLC is an Equal Housing Lender.

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