What If Home Prices Drop After I Buy and Here Is the Honest Answer Every Buyer Needs to Hear
Nobody times the market perfectly. Judy Miller explains why long term goals beat short term price fears. ...more
Mortgage
September 04, 2026•2 min read
How Judy Miller Helps Buyers Compete With Cash Offers and Win Without Paying Cash
Fully underwritten approval, 21-day close, seller contact. Judy Miller explains how to beat cash offers. ...more
Mortgage
August 05, 2026•3 min read
People Have Been Waiting for the Market to Crash for Years and Here Is What That Waiting Actually Cost
Renters waiting for a crash lost years of equity. Judy Miller explains why now beats waiting every time. ...more
Mortgage
August 04, 2026•3 min read
Your Salary Is Not the Most Important Number to a Lender and Here Is the Number That Actually Is
DTI not salary determines qualification. Judy Miller explains how to calculate yours and bring it down. ...more
Mortgage
August 03, 2026•3 min read
When to Lock Your Mortgage Rate and Why Getting the Timing Wrong Can Cost You More Than You Expect
Rate locks protect against daily market moves. Judy Miller explains when to lock and what float down means. ...more
Mortgage
July 31, 2026•3 min read
What Underwriters Are Actually Looking at When They Review Your Mortgage and Why They Are Not Your Enemy
Credit, capacity, capital, collateral. Judy Miller explains the four Cs underwriters use to approve loans. ...more
Mortgage
July 29, 2026•3 min read
A 1 Percent Rate Difference on a 300K Loan Costs 72000 Dollars Over 30 Years and Here Is the Math
$200 more a month at 7% vs 6% adds up to $72K over 30 years. Judy Miller runs the numbers for buyers ...more
Mortgage
July 28, 2026•3 min read
Five Moves That Kill a Mortgage Thirty Days Before Closing and How to Make Sure None of Them Happen to You
New car, new card, quit job, cash deposit, cosign. Judy Miller explains what kills loans before closing. ...more
Mortgage
July 27, 2026•4 min read
Affirm Afterpay and Sezzle Could Be Quietly Limiting How Much Mortgage You Qualify For Here Is Why
Buy now pay later shows on bank statements. Judy Miller explains how installment loans affect your DTI. ...more
Mortgage
July 24, 2026•3 min read
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? 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.
