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CrossCountry Mortgage | Edinburg, TX

@ccm_rgv

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🔑 Your Trusted Mortgage Team in the Rio Grande Valley
Branch Manager: @hernan.mireles.14

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Trusting me as your lender means trusting me to guide you with your best interests at heart. Every financial situation and homeownership journey is different, and my goal is to help you understand your options, make informed decisions, and choose what truly makes sense for you and your future!

#explore #lender #mortgage #homeloans

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Well, someone has to say it…
Not every beautiful home is a smart purchase. Not every discounted property is a great deal. And not every opportunity deserves your money.

Real Estate decisions should be about more than finding something you love. They should make sense for your finances, your goals, and the life you’re building.

Sometimes that means negotiating harder. Sow@times it means adjusting the strategy. And sometimes the smartest move is knowing when to walk away…

Yea -I said that… because my job isn’t simply to help you buy real estate. It’s to help you make real estate decisions you’ll feel confident about long after closing.

Which one of these real estate truths do you agree with the most?

✅Save this one for your next move.
Dm “Strategy” & I’ll send you my Investment Checcklist.

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🎃👻 HEY RGV, WE’VE GOT A TREAT FOR YOU! 🍬🕸️

No tricks, just treats! 🍭 Golden Valley Homes is opening its doors for a FREE Halloween celebration, and the whole family is invited! 🧡💜

Bring your little monsters, superheroes, princesses & witches for an evening full of spooky fun! 🧙‍♀️✨

🍬 Candy & Sweet Treats

🌭 FREE Hotdogs

🏰 Bouncy House

👻 Halloween Fun for Everyone!

📅 Friday, October 30th

⏰ 4 PM – 9 PM

📍 Golden Valley Homes
404 I-2 Suite 12, Pharr, TX 78577

Come straight from school, show off those costumes, grab some goodies, and make some Halloween memories with us! 🎃

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Feeling incredibly grateful for the continued trust, support, and opportunities that have made this such a strong season in my business. 🏡✨

Producing a high volume of sales is something I’m truly proud of, but what means even more is the people and partnerships behind every transaction. 🤍

A huge thank you to my clients for trusting me to be part of such an important decision, and to @ccm_rgv and @dantetitle_rgv , Inc. for always being great to work alongside and helping make each transaction as smooth as possible.

I’m beyond grateful for everyone who continues to support my business. Here’s to more closings, more happy homeowners, and continued growth! 🥂🏡

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One thing many self employed buyers don’t realize is that depreciation can impact how your income is calculated for mortgage qualification.

While depreciation may reduce your taxable income on paper, lenders may be able to add certain non-cash expenses back into the income calculation when determining qualifying income.

That’s why understanding your financials before you start house hunting matters!! And of course, I’m here to help!

#explore #mortgage #mortgagefacts #depreciation

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📢 Ticket Giveaway!

🎟 Here is your chance to win your way into this Saturday's (9/19) home football game vs McNeese!

Here are the rules:

1. Like and share this post
2. Follow @ccm_rgv
3. Tag a friend you'd bring to the game

Winner of 2 tickets will be selected at random and notified Friday September 18th.

📸 Game video and photo credit to UTRGV Ath.

#utrgv #giveawaytime #rgv #vaqueros

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A few from yesterday’s 80’s event at @skyboxsportslounge

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🏡✨ You’re Invited to Our Grand Opening Open House!

Join us this Saturday from 11 AM–2 PM and experience this beautiful new construction home in Falcon’s Cove by XLH Construction.

Come tour the home while enjoying small bites & our coffee bar ☕ and meet the teams ready to help with every part of your home journey:

🏡 XLH Construction — New Construction
🔑 Nova Realty — Real Estate Guidance
🏦 CrossCountry Mortgage — Financing Support & Questions
✨ Espino’s Furniture & Interiors — Furniture & Interior Styling

📍 9907 N. 24th Lane, McAllen, TX 78504
⏰ 11 AM – 2 PM

Whether you’re ready to buy, thinking about building, have financing questions, or simply want some design inspiration—come sip, snack, tour & connect with us!

We can’t wait to welcome you. 🤍

#XLHConstruction #OpenHouseRGV #McAllenTX #RGVHomes #NewConstruction

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🏡🔑 WHAT DOES IT FEEL LIKE TO BUY YOUR FIRST HOME?

It looks a little something like this… 👀👇

The Campos family went from looking for their first home to sitting at the closing table and officially becoming homeowners! 🎉🏡

They were able to take advantage of the Homes for Heroes program, helping them save on their down payment and closing costs while making their dream of homeownership a reality. 🙌🇺🇸

For buyers, the process can feel overwhelming — Where do I start? How much do I need? What programs can I qualify for?

That’s where having the right Realtor by your side makes a difference. My job is to help you understand your options, guide you through each step, negotiate on your behalf, and get you all the way to CLOSING DAY. 🔑

Congratulations, Campos family! ❤️ Thank you for trusting me to guide you through such an important milestone.

And a big thank you to Tom Bruce for making the financing process smooth and to Sierra Title for a seamless closing! 🤝

🎥 This is what the homebuying journey can look like.

If you’re a first-time buyer in the RGV and you’re not sure where to start, let’s talk. You may have programs available that could help you save thousands. 💰🏡

📲 Thomas Bruce, REALTOR®
📞 956-336-3947
🔵 ALTA Real Estate

Your first home could be closer than you think. Let’s get you to the closing table. 🔑🏡

#RGVRealtor #FirstTimeHomeBuyer #WeslacoTX #RGVRealEstate #TexasRealEstate NewConstructionHome HomeBuyingJourney FirstTimeBuyer RioGrandeValley SouthTexasRealEstate

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JUST SOLD! 🏡✨🔑
So happy to have represented the buyer on this beautiful property! Another successful closing and another happy client. ❤️
A special thank you to Hernan Mireles and Jaime Mireles for all your help in making this transaction a smooth and successful one! 🙏✨
Thinking about buying, selling, or investing? I’d love to help you with your next move!
📲 Mari Treviño, REALTOR®
956-566-6079
Texas Star Realty ⭐
#JustSold #BuyerRepresented #TexasStarRealty #MariTrevinoRealtor #RGVRealEstate

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Under 60 seconds info on @crosscountrymtg new program! Listen up 🗣️📑

Have any questions? Feel free to send me a DM! ✨

#explore #mortgage #homeloans

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If you’ve ever purchased a home with financing, you probably know this feeling. 😅

Bank statements? Sent.
Pay stubs? Sent.
Tax returns? Sent.

And then comes…

“We just need one more document.”

At that point: ¿qué más quieres… mi alma? 😂

But here’s what I actually want both buyers AND sellers to understand:

When underwriting asks for another document, it doesn’t automatically mean something is wrong.

A conditional approval simply means there are still items the lender needs to verify before issuing the clear to close l—and yes, sometimes a new request comes up even after the buyer has provided everything previously requested.

If you’re the buyer:
Stay accessible to your lender, send requested documents quickly, and avoid making any major financial moves without talking to your team first.
Those final days are NOT the time to disappear… or casually finance a new Mercedes for your new 4 car garage.

If you’re the seller:
Don’t immediately assume an additional underwriting request means your buyer can’t qualify or your deal is falling apart.

What matters is understanding:

What’s still outstanding?
Who needs to provide it?
When will underwriting review it?
And most importantly—does it affect our closing timeline?

That’s why communication between the agent, lender, title company and other side of the transaction matters so much during those final days & if you’re working with the BEST - you’ll never feel the delay or see the bts.

Wether you are my buyer, seller, or BITH- my job isn’t simply getting you under contract.
It’s helping you navigate everything that happens between “we have a deal” and “we CLOSED.”

Buying, selling—or doing both at the same time?

Comment MOVE and let’s talk strategy before you make yours.
#realestateinvestors #texasrealestate #realestateteam #mortgage #mcallen

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