Veterans Who Have Not Used Their VA Loan Benefit May Be Leaving Tens of Thousands on the Table
Zero down, no PMI, reusable for life. Judy Miller explains why the VA loan is the best product available. ...more
Mortgage
July 17, 2026•3 min read
Should You Pay to Lower Your Mortgage Rate and Here Is the Math That Tells You the Answer
One point costs $3K and saves $50-60 a month. Judy Miller explains when buying down your rate makes sense. ...more
Mortgage
July 16, 2026•4 min read
Why Mortgage Rates Vary So Much Between Lenders and What Most Lenders Will Never Tell You About It
Margin and overhead explain rate differences. Judy Miller at Canopy explains why lean lenders win. ...more
Mortgage
July 14, 2026•3 min read
A Big Chunk of Your Mortgage Rate Pays for the Lender's Overhead and Here Is What That Actually Means
Super Bowl ads and org charts built into your rate. Judy Miller explains why lean lenders beat big banks. ...more
Mortgage
July 13, 2026•3 min read
What PMI Is Why You Are Paying It Every Month and How to Get Rid of It as Soon as Possible
PMI adds $50 to hundreds monthly but it is not permanent. Judy Miller explains how to get it removed. ...more
Mortgage
July 09, 2026•4 min read
What Closing Costs Actually Are and Why Most Buyers Are Shocked When They Get to the Closing Table
2 to 5% of loan amount plus down payment. Judy Miller explains closing costs and how to reduce them. ...more
Mortgage
July 08, 2026•3 min read
The Fed Does Not Set Your Mortgage Rate and Here Is What Actually Determines the Number You See
Fed controls short term rates not mortgages. Judy Miller explains what actually drives your rate daily. ...more
Mortgage
July 08, 2026•4 min read
Appraisal Versus Home Inspection: Buyers Confuse These Two and the Mistake Can Cost Them the Deal
Appraiser works for the lender, inspector works for you. Judy Miller explains the critical difference. ...more
Mortgage
July 07, 2026•4 min read
The Divorce Decree Does Not Protect Your Credit and Here Is What Actually Does
Joint debt follows both names until refinanced or paid off. Judy Miller explains what divorce buyers need to know ...more
Mortgage
June 29, 2026•4 min read
State Licenses
FL #LO116376
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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.
