Journal

Notes from the Texas market.

Long enough to be useful. Short enough to read on a Tuesday.

How Much House Can I Afford?

A clear framework for turning income, debt, and rate into a real, comfortable price range.

The math, the tax reality, and the lifestyle trade-offs — with Texas-specific numbers.

What FHA is really for, when it wins, and when a conventional loan quietly beats it.

The investor loan that qualifies on the property, not your tax returns.

How self-employed Texans qualify on deposits instead of tax returns.

The full sequence: credit, documents, pre-approval, offer, close.

Minimums by program, and the score tiers where rates actually change.

Why rates move, what the news gets wrong, and what actually matters at your lock.