Matt Mortgage Team

Affordability Is My Priority 💰= 🏡
NXT Mortgage

07/16/2026

What if I told you that making 1 extra mortgage payment a year could shave years off your loan term?

Most homeowners don’t realize how much money they could save over the life of their loan by adjusting their monthly payment just slightly.

I broke down 3 easy ways to speed up your payoff and build equity, without blowing up your budget:

✅ Bi-weekly payments
✅ One extra payment/year
✅ Small monthly add-ons

Get pre-approved 👉 www.mattmortgage.com

07/13/2026

Buying a home isn’t just about having a place to live. It’s also one of the primary ways many families build long term wealth.

According to the Federal Reserve’s Survey of Consumer Finances, the typical homeowner has a median net worth of about $396,000, compared with about $10,400 for the typical renter. That’s a dramatic difference that highlights the role home equity can play over time.

That doesn’t mean renting is always the wrong decision. Renting can make sense during certain stages of life, especially if you’re relocating, saving for a down payment, or simply need flexibility.

The key question isn’t “Should everyone buy?”

It’s:

When does buying become the smarter financial move for your situation?

That’s a conversation worth having because timing, finances, and long term goals matter far more than headlines or market noise.

If you’re wondering whether buying now or waiting makes more sense, we’d be happy to walk through the numbers with you so you can make an informed decision.

07/10/2026

The house you buy matters.

The people helping you buy it matter too.

A knowledgeable Realtor can help you identify opportunities and negotiate with confidence.

A thoughtful mortgage advisor can help you understand financing options, compare strategies, and prepare for the road ahead.

When those professionals work well together, buyers often feel more informed, more confident, and better prepared for each step of the process.

The goal isn’t simply getting from contract to closing.

It’s helping you make decisions that support your life long after move-in day.

07/09/2026

Many people are waiting for the “perfect” time to buy.
History suggests there usually isn’t one.

Every market creates advantages and challenges.

Higher rates have made affordability more difficult for many buyers.

They’ve also created conditions that can include more inventory, more seller flexibility, and more opportunities to negotiate, depending on your local market.

If rates eventually move lower, affordability may improve for some buyers, but competition could increase as well.

That’s why we don’t believe in trying to predict the perfect market.

We believe in building a strategy that fits your goals, your finances, and your timeline (for today and your future).

If you’d like more clarity around your specific situation so you can make a more confident decision with clarity around when the opportunity is right for you… then let’s chat. 💬

Shoot us a DM and we’ll be happy to help!!

07/06/2026

As parents, it’s natural to want to help your children get ahead.

For many families, that means opening the front door.

For others, it may mean opening the door to homeownership.

Today, 1 in 3 adults ages 18 to 35 live with their parents, while first-time buyers make up just 21% of home purchases.

If you’ve owned your home for several years, you’ve likely built equity along the way. Depending on your family’s financial situation, that equity, along with savings or other assets, may create options you haven’t considered.

In some cases, parents choose to help with a down payment.

Others contribute toward closing costs.

Some simply want to understand what’s possible before making any decisions.

There isn’t one right approach for every family.

What matters is having a conversation before assuming your only option is letting your adult child wait another year.

Helping them become a homeowner isn’t just about buying a house.

It’s about giving them the opportunity to begin building equity, creating financial stability, and starting the next chapter of their life when the timing is right.

If you’ve ever wondered what options your family may have, we’d be happy to walk through them together.

07/03/2026

Most people think improving a credit score takes months.

Sometimes that's true.

But sometimes the score isn't the problem. The credit report just hasn't caught up to recent changes.

If you've recently paid down a credit card, resolved a collection account, or corrected a reporting error, a rapid rescore may help update your credit file faster during the mortgage process.

A few important things to know:

✓ It is initiated by your lender (^insert me^)
✓ It reflects changes you've already made

✓ It does not "fix" bad credit
✓ It does not guarantee a higher score
✓ It may help when you're close to an important credit threshold

I've seen buyers assume they need to wait months before moving forward, when a conversation about their current situation could reveal additional options.

Every scenario is different, but this is a good reminder that credit scores are not always as straightforward as they seem.

If you're planning to buy a home and wondering how your credit may affect your options, I'm happy to help you understand what lenders are actually looking at.

07/01/2026

This is probably the most important thing to know about how I work.

Anyone can help someone get a mortgage.

The real question is:
What happens after closing?

Most buyers spend months preparing to purchase a home and then receive very little guidance once the transaction is complete.

But homeownership creates new questions.

- How much equity have I built?
- Should I refinance?
- Would a HELOC make sense?
- How should I think about future investments?
- Do I have the right insurance coverage?
- Who can help with tax or estate planning questions?

Those conversations matter just as much as the mortgage itself.

That's why I believe a Mortgage Advisor should be more than someone who helps you get a loan.

My role is to help clients make informed decisions before, during, and after closing.

Through ongoing reviews, equity conversations, home loan strategy, and access to trusted professionals, the goal is simple:

Help families become more successful homeowners.

If we've never met, welcome.

If you're already a client, thank you for trusting me to be part of your journey.

I'm grateful to be your advisor for life.

06/29/2026

Student loan repayment changes starting July 1 could affect more than your monthly payment.

They may also affect your mortgage options.

When lenders review a home loan application, student loan payments are included in the debt-to-income ratio, also called DTI.

Depending on your income, loan balance, repayment plan, and homebuying timeline, the plan you choose could change how much home you may qualify for.

Before making a repayment plan change, take a step back and review the bigger picture.

Your student loan decision may also be a homeownership decision.

This is for educational purposes only. Student loan repayment options and mortgage qualifying guidelines vary by borrower, loan program, and lender requirements. Speak with your student loan servicer and mortgage advisor before making changes.

Address

137 E State Highway 121, Ste 115
North Richland Hills, TX
75019

Website

http://mattmortgage.com/

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