All posts by Roger Young

Top 1 Mortgage Lender Houston > Articles by: Roger Young

Thanksgiving Day Gratitude

November 27, 2025 Holidays Comments Off on Thanksgiving Day Gratitude

Today is a day to pause and reflect on the people who make this work meaningful. We are truly thankful to every person who has allowed me to be part of their home journey. Whether we have worked together in the past, are connected right now, or will meet in the future, we appreciate the trust you place in us.

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The Role of Asset Verification in Mortgage Underwriting

November 26, 2025 Mortgage Tips Comments Off on The Role of Asset Verification in Mortgage Underwriting

When buyers apply for a mortgage, income and credit history get most of the attention. However, there is another essential part of the underwriting process that plays a major part in determining approval. Asset verification helps lenders understand the financial strength behind an application and gives them greater confidence in the borrower’s ability to manage the loan responsibly.

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How Non-Occupant Co-Borrowers Can Help with Mortgage Qualification

November 25, 2025 Mortgage Tips Comments Off on How Non-Occupant Co-Borrowers Can Help with Mortgage Qualification

Many hopeful homebuyers find that their income alone does not quite meet the requirements for a mortgage. This challenge is especially common for people early in their careers, those recovering from financial setbacks, or buyers facing higher home prices. One option that can make a meaningful difference is bringing in a non-occupant co-borrower.

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What’s Ahead For Mortgage Rates This Week – November 24th, 2025

November 24, 2025 Financial Reports Comments Off on What’s Ahead For Mortgage Rates This Week – November 24th, 2025

This week finally got a strong release of regularly scheduled data, with unemployment figures coming out first, along with employment-rate data.

The prior week included the Consumer Price Index, which came in favorable. Some of the unemployment-related numbers, however, weren’t as telling as they could be: the forecast was roughly 50,000, but the actual figure landed closer to 110,000. That’s an order-of-magnitude miss, suggesting we may need to allow some time for the data to self-correct.

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