Shawn Rogers

I Teach Women How to Master Faith & Credit ✨🙏🏽🎯 WOMEN WORD WEALTH

09/23/2025

Your down payment doesn’t always have to come 100% from your savings. Many loan programs allow “gift funds” from family or close friends.

Don’t rule yourself out just because your savings account isn’t overflowing. With the right guidance, outside support can open doors. I’m here to help!

09/22/2025

The Federal Reserve finally cut rates for the first time this year — and mortgage rates… barely flinched.

That’s because markets don’t just react to the news; they anticipate it. Rates had already been drifting down for weeks in expectation of this move — and that shift in timing is what’s creating new opportunities right now.

09/19/2025

Sometimes the hardest part is just knowing where to start. Pre-approval prep doesn’t need to be overwhelming! You can tackle the basics in less than 5 minutes.

Use this as your quick-start guide, then let your loan officer help with the heavy lifting. Small steps lead to big progress.

09/18/2025

Your debt-to-income ratio (DTI) is one of the biggest factors lenders use to determine if you’re ready for a mortgage.

✔ Under 36% = Healthy range for most buyers
✔ Over 43% = Can be a red flag

Why it matters? DTI shows how much of your income is already spoken for by debts like student loans, car payments, or credit cards. The lower it is, the more room you’ll have for a mortgage.

Tip: Paying down even a small balance, or not taking on new debt before applying, can shift your DTI and open doors.

09/17/2025

Nobody times the market perfectly, not in housing and not with rates. But when you see numbers drop this far, it’s a signal worth paying attention to.

I’ve seen people wait for “just a little bit lower,” only to see rates bounce right back up. Sometimes “good enough” is actually the smart move.

09/16/2025

Pop quiz: which one do you get back if the deal falls through (under the right conditions)?

Earnest money is the deposit that shows you’re serious and is applied to your closing if you move forward.

Down payment = your permanent contribution to the purchase price.

Many buyers mix these up, but knowing the difference helps you protect your cash and your confidence during the process.

So… what’s your guess? Which one can you potentially get back? Drop it below 👇

09/12/2025

Every homeowner remembers the moment they held their first set of keys. Some saved for years. Some leaned on family. Some almost gave up after losing offers.

But they all got there.

Your journey might look different, but the ending can be the same: turning the lock on a door that’s finally yours.

Homeownership goes beyond markets, math, or timing. It’s about your story, and making it one worth telling.

09/11/2025

Here are five tried-and-true tips for buyers navigating today's market, curated by Business Insider with help from mortgage pros:

• Get truly ready, financially and emotionally.
• Set a realistic budget and get preapproved.
• Partner with local, expert real estate professionals.
• Define your top priorities, not just wishlists.
• Keep your eyes open for variety. Think new builds and fixer-uppers.

Smart Moves > Hype.
Let’s build your plan with clarity, confidence, and support.

09/10/2025

BIG SHIFT: For the first time in years, buyers now outnumber sellers by 34%, about 1.94 million listings versus 1.45 million buyers, setting the stage for meaningful negotiation power. It’s a rare time when you can pause, plan, and step in confidently.

For buyers who are ready, this is your signal that opportunity is aligning with strategy.

09/09/2025

WARM-UP = Checking your credit
DAILY TRAINING = Saving for a down payment
YOUR RACE BIB = Pre-approval
FINISH LINE = Closing day

The marathon may feel long, but every step gets you closer to the keys in your hand.

09/08/2025

The latest jobs report came in way under expectations, and mortgage rates reacted fast. Rates just dropped to levels we haven’t seen since last fall, and it’s adding momentum to the downward trend we’ve been watching for months.

09/05/2025

Buying a home can feel daunting right now, but there are real reasons for HOPE in 2025:

H – Home prices cooling. Growth slowed to its softest pace in two years, easing affordability pressures.
O – Options expanding. Inventory just topped 1 million homes for sale—the most since 2019.
P – Preparation pays. Buyers with pre-approvals and clear budgets are winning in a less competitive market.
E – Equity builds fast. Even small down payments and steady ownership grow wealth over time.

The takeaway? Today’s market isn’t perfect, but it’s giving prepared buyers more breathing room than we’ve seen in years.

There’s HOPE, and it’s more than a name.

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New Orleans, LA

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