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The Mortgage Momma, NMLS 925207

Name: The Mortgage Momma, NMLS 925207
Address: Stillwater, OK, 74074, US
Telephone: +14056126718

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United States
Stillwater, OK
The Mortgage Momma, NMLS 925207

A mom of four sharing knowledge of the mortgage industry,balancing your career with life and stories.

09/24/2026

Coffee in hand, notebook open, and ready to talk about your home goals. ☕🏡

Whether you’re thinking about buying your first home, moving, or just wondering what you might qualify for, you don’t have to figure it all out alone. I’m here to answer your questions and help you find a path forward that fits you.

Send me a message and let’s chat!

— Haley Annuschat, The Mortgage Momma 💕

09/23/2026

You may have heard that the Federal Reserve recently raised rates by 0.25%—but what does that actually mean for homebuyers? 🏡

The important thing to remember is that the Fed does not directly set mortgage rates. Mortgage rates can react to economic news, inflation expectations, the bond market and several other factors—so they don’t always move in the same direction or by the same amount.

If you’re thinking about buying a home, don’t let one headline make the decision for you. Let’s review your numbers, discuss available loan options and determine what the change could mean for your personal buying power.

I’m here to help you understand the market and make a confident decision! 💙

— Haley Annuschat, The Mortgage Momma

09/22/2026

Today marks my one-year anniversary with Arvest Bank! 💙

This past year has been filled with growth, new relationships and so many opportunities to help families achieve their dream of homeownership. I’m incredibly grateful for the clients, Realtors, coworkers, friends and community members who have supported and trusted me along the way.

Thank you for allowing me to be part of such important moments in your lives. I’m excited to see what year two brings!

Cheers to one year at Arvest—and many more families finding a place to call home! 🏡✨

09/15/2026

🏡 Every borrower’s journey to homeownership looks a little different—and sometimes, qualifying takes a little creativity and the right plan!

As the Mortgage Momma, I don’t just look at where you are today. I help explore potential solutions, explain your options, and create a path toward your homeownership goals. Whether it’s improving credit, managing debt, finding the right loan program, or simply knowing what steps to take next, I’m here to help.

You may be closer to owning a home than you think! 🔑💕 Let’s talk, review your situation, and find a solution that works for you.

📲 Message me when you’re ready to get started!

09/11/2026

“Affordable” means more than getting approved for a mortgage. 🏡💰

A lender may approve a certain loan amount, but that doesn't automatically mean the monthly payment will feel comfortable in your everyday life.

True affordability means accounting for the full cost of owning a home, including the mortgage, property taxes, insurance, utilities, maintenance, and unexpected repairs. It also means leaving enough room in your budget for savings, lifestyle expenses, and future changes in your financial situation.

A home should fit into your financial life without making everything else feel stretched. Before setting a price range, take a realistic look at what you can comfortably spend each month and what you want your finances to look like after closing.

The right budget isn't simply the number a lender gives you. It's the number that lets you own a home and still live the life you want. Reach out today to talk through your budget and find a price range that makes sense for your goals!

09/10/2026

Did you know...

Using gift funds for your down payment can be a great way to help you secure a mortgage, but there are some key steps to follow. First, ensure the gift comes from an acceptable source, like a family member, as most lenders have specific guidelines about who can provide these funds. You’ll also need a gift letter from the donor, stating that the money is a gift and not a loan that needs to be repaid. Lastly, keep a clear paper trail of the funds being transferred to your account. By following these steps, you can effectively use gift funds to boost your down payment and get closer to owning your new home!

09/09/2026

Fixed or variable? Which home loan fits your plans? 🏡📊 The right option depends on more than today's interest rate. It's worth looking at how each structure could affect your payments, flexibility, and total borrowing costs over time.

🔒 Fixed rate – Your interest rate is set for a defined period, providing more predictable payments during that period.

📈 Variable or adjustable rate – Your interest rate can change based on the loan terms and market conditions, which means your payments or borrowing costs may change over time.

Before deciding, consider how long you plan to own the home, how much payment flexibility you have, your tolerance for changing rates, and the full costs and features of each option.

Mortgage products and rules vary by market and lender, so make sure you understand exactly how your chosen loan works.

📩 Compare the options carefully and choose a home loan that fits both your budget today and your plans for the future.

09/08/2026

Farm chores look a little different when you’re this size. 🥹🐑

There’s just something about watching your kids grow up in the barn. One minute they’re tagging along while you do chores, and the next they’re grabbing the hose and filling buckets themselves.

It may seem like a simple little job, but these are the moments where they’re learning responsibility, hard work, and how to take care of something besides themselves.

And those cowboy boots while doing it? 🤠❤️

Just a little boy doing big-kid chores and making his momma realize he’s growing up way too fast.

Farm life. Barn chores. The best kind of childhood. ❤️

09/07/2026

Just another day at the office… farm edition! 🐐💜

When you’re a mom, mortgage lender, chauffeur, show mom, AND farm hand, you never really know what the day is going to look like! 😂

Today’s agenda: goat chores! And clearly, she was thrilled about our little selfie session. 🤣

These busy, messy, animal-filled days may be exhausting sometimes, but I wouldn’t trade this life for anything. 💜

Farm hair. Goat chores. Full heart. 🐐🤍

Address

Stillwater, OK
74074

Telephone

+14056126718

Website

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