• Fall Fun, Future Homes: Chili, Costumes & Community

    Fall Fun, Future Homes: Chili, Costumes & Community

    Fall is the perfect season for gathering, connecting, and creating memories. The Church at Quail Creek’s Fall Festival 2026 brings families and neighbors together for a new and improved celebration filled with flavorful chili, games, and festive activities for all ages.

    Guests can sample a variety of chilis prepared by church members during the Chili Cookoff, while kids enjoy bouncers and games throughout the event. Candy adds an extra treat, and children are encouraged to wear their favorite Halloween costumes for even more seasonal fun.

    Community events like this are a wonderful reminder that choosing a home is about more than square footage—it is about finding a place where relationships, traditions, and shared experiences can grow. For Texas families thinking about their next move, it is also a great time to begin exploring future homeownership goals.

    Join The Church at Quail Creek for an unforgettable fall celebration, bring the family, and enjoy an afternoon of food and fun. When you are ready to take the next step toward your future home, connect with a trusted mortgage professional for friendly guidance tailored to your goals.

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  • Fall Fun, Future Homes: Chili, Costumes & Community

    Fall Fun, Future Homes: Chili, Costumes & Community

    Fall is the perfect season for gathering, connecting, and creating memories. The Church at Quail Creek’s Fall Festival 2026 brings families and neighbors together for a new and improved celebration filled with flavorful chili, games, and festive activities for all ages.

    Guests can sample a variety of chilis prepared by church members during the Chili Cookoff, while kids enjoy bouncers and games throughout the event. Candy adds an extra treat, and children are encouraged to wear their favorite Halloween costumes for even more seasonal fun.

    Community events like this are a wonderful reminder that choosing a home is about more than square footage—it is about finding a place where relationships, traditions, and shared experiences can grow. For Texas families thinking about their next move, it is also a great time to begin exploring future homeownership goals.

    Join The Church at Quail Creek for an unforgettable fall celebration, bring the family, and enjoy an afternoon of food and fun. When you are ready to take the next step toward your future home, connect with a trusted mortgage professional for friendly guidance tailored to your goals.

    Continue to full article

  • Fall Fun, Future Homes: Chili, Costumes & Community

    Fall Fun, Future Homes: Chili, Costumes & Community

    Fall is the perfect season for gathering, connecting, and creating memories. The Church at Quail Creek’s Fall Festival 2026 brings families and neighbors together for a new and improved celebration filled with flavorful chili, games, and festive activities for all ages.

    Guests can sample a variety of chilis prepared by church members during the Chili Cookoff, while kids enjoy bouncers and games throughout the event. Candy adds an extra treat, and children are encouraged to wear their favorite Halloween costumes for even more seasonal fun.

    Community events like this are a wonderful reminder that choosing a home is about more than square footage—it is about finding a place where relationships, traditions, and shared experiences can grow. For Texas families thinking about their next move, it is also a great time to begin exploring future homeownership goals.

    Join The Church at Quail Creek for an unforgettable fall celebration, bring the family, and enjoy an afternoon of food and fun. When you are ready to take the next step toward your future home, connect with a trusted mortgage professional for friendly guidance tailored to your goals.

    Continue to full article

  • Fall Fun, Future Homes: Chili, Costumes & Community

    Fall Fun, Future Homes: Chili, Costumes & Community

    Fall is the perfect season for gathering, connecting, and creating memories. The Church at Quail Creek’s Fall Festival 2026 brings families and neighbors together for a new and improved celebration filled with flavorful chili, games, and festive activities for all ages.

    Guests can sample a variety of chilis prepared by church members during the Chili Cookoff, while kids enjoy bouncers and games throughout the event. Candy adds an extra treat, and children are encouraged to wear their favorite Halloween costumes for even more seasonal fun.

    Community events like this are a wonderful reminder that choosing a home is about more than square footage—it is about finding a place where relationships, traditions, and shared experiences can grow. For Texas families thinking about their next move, it is also a great time to begin exploring future homeownership goals.

    Join The Church at Quail Creek for an unforgettable fall celebration, bring the family, and enjoy an afternoon of food and fun. When you are ready to take the next step toward your future home, connect with a trusted mortgage professional for friendly guidance tailored to your goals.

    Continue to full article

  • Fall Fun, Future Homes: Chili, Costumes & Community

    Fall Fun, Future Homes: Chili, Costumes & Community

    Fall is the perfect season for gathering, connecting, and creating memories. The Church at Quail Creek’s Fall Festival 2026 brings families and neighbors together for a new and improved celebration filled with flavorful chili, games, and festive activities for all ages.

    Guests can sample a variety of chilis prepared by church members during the Chili Cookoff, while kids enjoy bouncers and games throughout the event. Candy adds an extra treat, and children are encouraged to wear their favorite Halloween costumes for even more seasonal fun.

    Community events like this are a wonderful reminder that choosing a home is about more than square footage—it is about finding a place where relationships, traditions, and shared experiences can grow. For Texas families thinking about their next move, it is also a great time to begin exploring future homeownership goals.

    Join The Church at Quail Creek for an unforgettable fall celebration, bring the family, and enjoy an afternoon of food and fun. When you are ready to take the next step toward your future home, connect with a trusted mortgage professional for friendly guidance tailored to your goals.

    Continue to full article

  • Today’s Mortgage Rates: Florida vs. Texas

    Today’s Mortgage Rates: Florida vs. Texas

    Having spent over two decades guiding both Texans and Floridians through their mortgage decisions, I’ve seen just how much rates can shift based on your specific circumstances. Whether you’re buying your very first home, looking into a VA loan, or have a unique income scenario, it’s never as simple as comparing state averages or headline numbers. Your credit score, loan type, down payment, and even the property’s location all come into play. The key? Focus on personalized mortgage quotes that reflect your reality—not just what you read in the news. Turning 'someday' into move-in day starts with understanding what’s truly possible for you.

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  • Greenways versus Colonies

    Greenways versus Colonies

    When comparing Greenways at Hillside with The Colonies, the interest rate is only one part of the decision. Start by requesting the total monthly principal, interest, taxes, and insurance payment for each property, along with any recurring community-related costs.

    Ask specifically whether the Greenways property carries an annual Greenways PID assessment through the tax bill. Confirm how that assessment affects your qualifying ratios and escrow payment, and compare it with the tax structure for a home in The Colonies. HOA dues, special assessments, and shared-area obligations should also be reviewed carefully.

    Other financing considerations may include Canyon ISD tax details, homeowners insurance requirements, property condition, and whether the appraisal will provide adequate support for the requested loan amount. These factors can change both the upfront cash needed and the ongoing payment.

    As a mortgage broker working in southwest Amarillo each week, I recommend requesting side-by-side loan estimates and verifying every tax, PID, HOA, and insurance figure before choosing. A clear comparison helps you understand the true cost of ownership and select the home that best fits your budget.

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  • Saturday – October 17th , 5-7PM

    Saturday – October 17th , 5-7PM

    Fall Fun, Future Homes: Chili, Costumes & Community
    There’s something special about gathering with neighbors over a bowl of homemade chili—especially at The Church at Quail Creek’s annual cookoff. I love events like this because they remind me how strong our local community is, and how these connections can turn a new town into a true home. After 26 years helping Texans and Floridians secure the right mortgage, I’ve seen firsthand how a welcoming neighborhood makes all the difference for first-time buyers and families ready for a fresh start. Whether you’re sampling chili or just soaking in the fall spirit, it’s these moments that transform "someday" dreams into move-in day reality.

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  • Current HELOC Rates

    Current HELOC Rates

    With over two decades guiding Texans and Floridians through the home loan process, I know how important it is to understand your options—especially when considering a HELOC (Home Equity Line of Credit). HELOCs come with variable rates linked to the prime rate, and can allow you to borrow up to 80-90% of your combined loan-to-value. They typically offer draw periods of 10-15 years and can take up to 20 years to repay. The rates you’re offered will depend on a mix of economic factors, your credit profile, and how much equity you have built up in your home. Not sure if a HELOC is the right fit? Alternatives like home equity loans, credit cards, or personal loans each bring their own pros and cons. I’m always focused on bringing straightforward answers and real solutions—so you can make the best choice for your unique situation.

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  • Home Costs Continue After Buying | 🏡 Think you need 20% down to buy a home? Think again! You may qualify with less money down than you think.

    When you close on your new home, the financial journey is just beginning—a reality I make sure every client is prepared for. The first year as a homeowner often comes with extra costs beyond your down payment and closing fees. From repairs and alterations to filling those new spaces with appliances and furnishings, it’s important to budget early so there are no surprises down the road. On average, buyers of newly built homes spend $26,900 in the first year after purchase, compared to $18,700 for those buying existing homes. Appliances and equipment account for about $4,300 in new homes and $3,700 in existing ones. Furnishings can be a bigger leap: $8,300 for new construction, $3,900 for existing homes—especially if you’re moving into a larger space. The biggest first-year expense? Alterations and repairs, which average $14,300 for new homes and $11,100 for existing homes. After 26 years helping Texans and Floridians find the right loan, I know a smooth move starts with planning for what comes after the keys are in your hand. Turning 'someday' into move-in day means preparing for every step—including the ones that follow closing.