Buying Across the Red River and Why Texas and Oklahoma Homes That Look Similar Online Can Cost Very Differently
Taxes insurance and closing costs vary by property not state line. Judy Miller explains what to compare before buying in either market. ...more
Mortgage
October 22, 2026•2 min read
Same Asking Price Different Monthly Payment and Here Is Why Two Homes Can Cost You Very Different Amounts
Taxes insurance and HOA stack differently on every home. Judy Miller explains why comparing full payment beats comparing price alone. ...more
Mortgage
October 22, 2026•2 min read
Do Not Let the Model Home Decide Your Budget and Here Is How to Shop With a Number That Actually Fits
Set your monthly number before the tour not after. Judy Miller explains how to buy a home you love and still enjoy your life. ...more
Mortgage
October 21, 2026•2 min read
The 2026 Conforming Loan Limit Is $832,750 and What It Means for Texas Oklahoma and Florida Buyers Above $800K
Conventional vs jumbo line moved higher in 2026. Judy Miller at Canopy Mortgage explains who benefits and how to check your county. ...more
Mortgage
October 20, 2026•2 min read
Gas Prices Are High and Mortgage Rates Are Up and Here Is What Judy Miller Can Actually Do About One of Those
Can’t fix gas prices but can find programs that make higher rates feel like less. Judy Miller explains your options right now. ...more
Mortgage
October 20, 2026•1 min read
Your Credit App Score and Your Mortgage Credit Score Are Different and Here Is Why That Is Normal
Different scoring models three bureaus and timing gaps explain the difference. Judy Miller explains what mortgage lenders see. ...more
Mortgage
October 16, 2026•3 min read
Your Appraisal Came In High and Here Is How to Use That Gap as a Negotiating Tool Most Buyers Miss
High appraisal creates room for seller credits or rate buydowns most buyers never ask for. Judy Miller explains how it works. ...more
Mortgage
October 16, 2026•2 min read
While the Big City Panics About Interest Rates Texas Buyers Are Still Closing and Here Is Why
Droughts hail and Aunt Linda’s potato salad. Judy Miller explains why Texas buyers don’t let rates over 7% stop them now. ...more
Mortgage
October 15, 2026•1 min read
Buyers Are Going to Regret 2026 and Here Is Why Judy Miller Has Seen This Exact Movie Before
Seller concessions builder buydowns and negotiating leverage exist now. Judy Miller explains why waiting will cost you later. ...more
Mortgage
October 14, 2026•3 min read
State Licenses
FL #LO116376
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OK #MLO20200
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Website Disclaimer:
? Consumers wishing to file a complaint against a banker or a residential mortgage loan originator should
complete and send a complaint form to the Texas department of savings and mortgage lending, 2601 North
Lamar, suite 201, Austin, Texas 78705. Complaint forms and instructions may be obtained from the
department’s website at www.sml.texas.gov. A toll-free consumer hotline is available at 1-877-276-5550.
The department maintains a recovery fund to make payments of certain actual out of pocket damages
sustained by borrowers caused by acts of licensed residential mortgage loan originators. A written
application for reimbursement from the recovery fund must be filed with and investigated by the department
prior to the payment of a claim. For more information about the recovery fund, please consult the
department’s website at www.sml.texas.gov.
