A lot of people are waiting on the Fed to do something before they decide if it’s a good time to buy a house. But here’s the thing: the Fed doesn’t control mortgage rates. And rates don’t shift because people are anxious. They change when the data demands it. If you’re watching the market and feeling stuck, focus less on the headlines and more on your personal timeline. Because the best strategy isn’t predicting when rates will drop. It’s being ready either way.

One of the first VA buyers I ever worked with almost passed on their dream home because they thought there was a cap on what they could borrow. There’s not. If you’re eligible for a VA loan and can qualify for the monthly payment, there’s no set loan limit. That means you can buy the home you really want (even if it’s well over $1 million) and still avoid a down payment. Helping veterans make smart moves in real estate is one of my favorite parts of this job. If you’ve got questions about how VA loans actually work, I’m happy to walk you through it. No fluff, just real answers. #valoans #veteranhomebuyer #realestatetips #mortgagehelp #homebuyingtips

It’s hard to know when you’re done—because there’s always more to do: More ideas. More tasks. More things pulling at your attention. And if you’re not careful, that low-grade anxiety of "I haven’t done enough" can turn into something heavier… "I am not enough." Here’s what helps: Decide what today’s business is. Look at your schedule, see what’s actually realistic, and set your focus there. Mark down what needs to happen today, and don’t worry about Friday’s tasks….that’s Friday’s business. The key is having a system to dump all your ideas and turn them into right-sized tasks based on your scheduled meetings, etc. Simple, flexible, and designed to keep you moving forward without the overwhelm.

Ever wonder why mortgage rates seem to change out of nowhere? When the stock market gets shaky, investors often move their money into bonds—and that shift can push mortgage rates lower. But those drops can be short-lived. Rates can dip fast but rise just as quickly. If you’re thinking about buying, it’s smart to know your options now so you’re ready when the right opportunity comes along.

🏠 Useful Resources 🏠 → https://www.rebeccarichardsonmortgage.com/resources 📱 Book a FREE 15-min call! 📱 → https://calendly.com/rebeccarichardson/15min 👀 POPULAR PLAYLISTS 👀 Choosing a Lender → https://bit.ly/33iGNo1 The Loan Process → https://bit.ly/33jkVJ3 Choosing a Mortgage Strategy → https://bit.ly/3uNSe2q Shopping Your Loan → https://bit.ly/3LuQp04 Homebuyer FAQs (Shorts) → https://bit.ly/3sAyvAj First Time Home Buyers → https://bit.ly/3gEbx61 Separation & Divorce → https://bit.ly/3Luv6Md 🏡 MUST WATCH Videos 🏡 Starting the Loan Process → https://youtu.be/aiPIcCSQdIU What Documents Do You Need? → https://youtu.be/lb6Tx_XNVYs How to Make a Strong Offer → https://youtu.be/zceO2RiFKkc Preapproved for a Payment, Not a Price → https://youtu.be/SzZ77D9Px4g How Mortgage Rates Work → https://youtu.be/MqfhHOJ5Ti0 💥 Follow me on Social Media 💥 → Tiktok: https://bit.ly/34VUTMB → Instagram: https://bit.ly/3rLy5rS → LinkedIn: https://bit.ly/3oJLuyq _________________________________ As The Mortgage Mentor, I'm here to help translate industry jargon into everyday language so you can confidently choose a mortgage strategy that saves you time and money. Rebecca Richardson, AMP Mortgage Loan Officer team@themortgagementor.co NMLS #91445

Worried that getting pre-approved will wreck your credit score? Here’s what actually happens. A hard credit pull might cost you up to 5 points. That’s it. And for many people, it’s even less. Plus, once it’s pulled, that report is good for four months. No repeated hits to your credit just because you’re shopping for a home. If you’re still a couple months out, you can even start with a soft pull to explore your options without any impact. Buying a home is a big move. Understanding how credit pulls work gives you power to plan, not panic. Don’t let myths keep you from making smart moves.

Your mortgage payment isn’t supposed to change, right? Not exactly. Even with a fixed rate, your monthly payment can shift and it usually comes down to taxes and insurance. These costs are part of your escrow account, and if they increase, so does your payment. It’s not the lender changing things it’s just the bills adjusting behind the scenes. Checking your tax bill each year can help you plan ahead. And if something feels off, it’s worth asking someone who can break it down clearly. #mortgagetips #homeownership #firsttimehomebuyer #homeownertips #realestatetips

Is it client intake? Chasing documents? Follow-ups? Creating content? We all have that one thing where we think: I know I could be better at this. I know I could be faster at this. So what’s slowing you down? And more importantly—how can you fix it? One of the best ways to save time is to remove friction. Make things easier. Automate or simplify where you can. Take content, for example. If you have to set up your space every time, you’re way less likely to hit record. That’s why having a go-to setup—a content corner—makes all the difference. I turned my son’s old bedroom into a studio. But you don’t need a whole room. Just a dedicated spot where you can flip on the camera and go. Same goes for anything in your business. The easier it is to start, the more likely you are to stay consistent.

Success isn’t just about what it looks like, it’s about how it feels to you. What energizes you? What drains you? Start there and build the life you want.

🏠 Useful Resources 🏠 → https://www.rebeccarichardsonmortgage.com/resources 00:00 Intro 00:35 Tip 1 03:06 Tip 2 04:52 Tip 3 📱 Book a FREE 15-min call! 📱 → https://calendly.com/rebeccarichardson/15min 👀 POPULAR PLAYLISTS 👀 Choosing a Lender → https://bit.ly/33iGNo1 The Loan Process → https://bit.ly/33jkVJ3 Choosing a Mortgage Strategy → https://bit.ly/3uNSe2q Shopping Your Loan → https://bit.ly/3LuQp04 Homebuyer FAQs (Shorts) → https://bit.ly/3sAyvAj First Time Home Buyers → https://bit.ly/3gEbx61 Separation & Divorce → https://bit.ly/3Luv6Md 🏡 MUST WATCH Videos 🏡 Starting the Loan Process → https://youtu.be/aiPIcCSQdIU What Documents Do You Need? → https://youtu.be/lb6Tx_XNVYs How to Make a Strong Offer → https://youtu.be/zceO2RiFKkc Preapproved for a Payment, Not a Price → https://youtu.be/SzZ77D9Px4g How Mortgage Rates Work → https://youtu.be/MqfhHOJ5Ti0 💥 Follow me on Social Media 💥 → Tiktok: https://bit.ly/34VUTMB → Instagram: https://bit.ly/3rLy5rS → LinkedIn: https://bit.ly/3oJLuyq _________________________________ As The Mortgage Mentor, I'm here to help translate industry jargon into everyday language so you can confidently choose a mortgage strategy that saves you time and money. Rebecca Richardson, AMP Mortgage Loan Officer team@themortgagementor.co NMLS #91445

Veterans, you’ve earned your home loan benefits and it’s important you understand how it can help you. VA loans offer no down payment, there’s no PMI, and rates are usually lower than other loan types. There are more advantages but the BLUF is that conventional loans don’t even come close.

00:00 Intro 00:36 What to do with your home 00:48 Option 1 01:38 Option 2 03:36 Option 3 09:52 4 Mistakes People Make 09:56 Mistake #1 10:34 Mistake #2 11:00 Mistake #3 11:50 Mistake #4 12:36 Outro 🏠 FREE Divorce Resource 🏠 →https://www.rebeccarichardsonmortgage.com/divorce 🏠 Useful Resources 🏠 → https://www.rebeccarichardsonmortgage.com/resources 📱 Book a FREE 15-min call! 📱 → https://calendly.com/rebeccarichardson/15min 👀 POPULAR PLAYLISTS 👀 Choosing a Lender → https://bit.ly/33iGNo1 The Loan Process → https://bit.ly/33jkVJ3 Choosing a Mortgage Strategy → https://bit.ly/3uNSe2q Shopping Your Loan → https://bit.ly/3LuQp04 Homebuyer FAQs (Shorts) → https://bit.ly/3sAyvAj First Time Home Buyers → https://bit.ly/3gEbx61 Separation & Divorce → https://bit.ly/3Luv6Md 🏡 MUST WATCH Videos 🏡 Starting the Loan Process → https://youtu.be/aiPIcCSQdIU What Documents Do You Need? → https://youtu.be/lb6Tx_XNVYs How to Make a Strong Offer → https://youtu.be/zceO2RiFKkc Preapproved for a Payment, Not a Price → https://youtu.be/SzZ77D9Px4g How Mortgage Rates Work → https://youtu.be/MqfhHOJ5Ti0 💥 Follow me on Social Media 💥 → Tiktok: https://bit.ly/34VUTMB → Instagram: https://bit.ly/3rLy5rS → LinkedIn: https://bit.ly/3oJLuyq _________________________________ As The Mortgage Mentor, I'm here to help translate industry jargon into everyday language so you can confidently choose a mortgage strategy that saves you time and money. Rebecca Richardson, AMP Mortgage Loan Officer team@themortgagementor.co NMLS #91445

We don’t have a lot of time—so why waste it doing the same thing over and over? One of the best pieces of advice I got early in my career was this: If you do something more than twice, have a process for it. Sounds simple, but think about it... How much time do you spend repeating tasks that could be streamlined? When you build a process, you’re not just making things easier—you’re making them work for YOU.. → Less guesswork → More consistency → More time back in your day And the best part? A process doesn’t have to be complicated. It just has to fit your life and the way you work. What’s something you do all the time that could use a process?

The housing market can be unpredictable but making smart choices can help. Be clear on your budget & focus on what you need in a house and not just what you want.