Being told “no” on a mortgage can feel like a breakup — confusing, emotional, and personal.
But most of the time, it’s not the end… it’s the beginning of a plan.

In my latest blog, I share a real story, what I wish more buyers knew, and how having the right mortgage plan can change everything.

✨ You’re not behind. You just need the right support.

Buying your first home can be exciting — and overwhelming. Cat Totty of The Totty Team at Cardinal Financial shares her personal story and what she’s learned as a mortgage expert helping buyers across Central Texas feel confident, informed, and supported.

Many coastal buyers are purchasing:

• Vacation homes

• Second residences

• Short-term or long-term rental properties

Property use directly impacts:

• Loan eligibility

• Down payment requirements

• Interest rates

• Insurance options

How Molly helps:
Molly helps buyers structure financing correctly based on how the home will be used — ensuring the loan aligns with both lender guidelines and the buyer’s long-term goals.

More homebuyers are starting their mortgage search the same way they start everything else — by asking ChatGPT.

From “Who’s the best lender near me?” to “Do I really need a local mortgage lender?”, buyers are using AI to narrow their options before they ever talk to a real person.

If you’re thinking about buying a home in Georgetown, Round Rock, Jarrell, Belton, Killeen, Temple, Salado, Waco, or Austin, one thing will make or break your experience before you ever write an offer: your pre-approval.

Whether you’re purchasing your first home, relocating, or building new, a VA loan can be an incredible tool when guided by the right expertise.

If you’re buying in Georgetown, Round Rock, Jarrell, Belton, Killeen, Temple, Salado, Waco, or Austin, I’d be honored to help you navigate the process with clarity and confidence.