Stacy Howard Homes

🚗🏡 Did You Know?

Your monthly car payment may impact how much home you can qualify for.

When reviewing a mortgage application, lenders look at more than just income—they also consider your existing monthly obligations. A higher debt-to-income ratio can affect your purchasing power and the loan options available to you.

The good news? A little planning can go a long way.

Whether you’re thinking about buying next month or next year, understanding your numbers now can help you make more confident decisions later.

Have questions about your buying power or mortgage options? I’m always happy to help.

Stacy Howard
REALTOR® | Mortgage Advisor

TREC #804524 | NMLS #1741066

For educational purposes only. This is not a commitment to lend. Loan approval is subject to credit, income, asset, and property approval.


AustinRealEstate FirstTimeHomeBuyer

Texas is showing signs of movement again 👀

Pending sales are up, which means more buyers are stepping back into the market — even while prices and inventory are still adjusting.

What this means for you:
✔️ Buyers: more competition is coming back
✔️ Sellers: demand is picking up again
✔️ Everyone: timing matters more than ever

We’re not in the same market we were a year ago… and we’re definitely not where we were 2–3 years ago either.

The key right now? Strategy over guesswork.

If you’re thinking about buying or selling, this is where having the right guidance makes all the difference 🤍

Stacy Howard
REALTOR® | Mortgage Advisor
📞 512-785-9464

TREC #804524 | NMLS #1741066
For educational purposes only. Not a commitment to lend.

⸻

A pre-approval is NOT the final approval 👇

I review your income, credit, and overall file to make sure you’re in a strong position before you start house hunting.

✔️ Pre-approval = strong buyer
❌ Not a final loan approval

Once you’re under contract, your file goes to underwriting — where everything is verified and the final decision is made.

That’s why a deal can still change… even after a pre-approval.

My job is to help you get as solid as possible upfront so there are no surprises later.

If you’ve ever been confused about this, you’re not alone — I’ve got you 🤍

Stacy Howard
REALTOR® | Mortgage Advisor
📞 512-785-9464

TREC #804524 | NMLS #1741066
For educational purposes only. Not a commitment to lend.

⸻