Tim Rhey Team

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Tim Rhey Team Tim Rhey, True Rate Mortgage Group, powered by Xpert Home Lending, Inc Xpert Home Lending, Inc. XHL does not provide legal, tax, or financial planning advice.

https://www.true-rate.com/

IMPORTANT: True Rate Mortgage Group, LLC is a division of Xpert Home Lending, Inc. (XHL) is not a law firm, tax, or financial planning organization. NMLS Consumer Access: https://mortgage.nationwidelicensingsystem.org/about/Pages/NMLSConsumerAccess.aspx

Privacy Policy:
https://www.true-rate.com/privacy-policy/

16/12/2025

Most people don’t lose money on their mortgage because of rates.

They lose it because no one ever explained the rules.

Mortgage Club breaks down what really happens behind the scenes —
what matters, what doesn’t, and where costly mistakes usually happen.

This is the guide we wish every buyer had before signing anything.

Trailer below 👇
Let me know what surprised you the most.

LINK IN THE BIO





🇺🇸 VA WIN 🇺🇸Huge congratulations to James on a VA IRRRL refinance that dramatically lowered his mortgage rate and monthl...
15/12/2025

🇺🇸 VA WIN 🇺🇸

Huge congratulations to James on a VA IRRRL refinance that dramatically lowered his mortgage rate and monthly payment.

No appraisal.
No income docs.
No out-of-pocket costs.

Just a smarter loan and real savings — the way the VA program was designed to work.

It’s an honor to serve those who’ve served us.
God bless James, and God bless all our veterans.

Mortgage Math Monday 🧮A 0.25% rate drop on a $400,000 loan =$65/month$23,000+ over timeThat’s not small change.That’s sm...
15/12/2025

Mortgage Math Monday 🧮

A 0.25% rate drop on a $400,000 loan =
$65/month
$23,000+ over time

That’s not small change.
That’s smart math.

Realtor friends — every call, every showing, every handshake plants a seed.You won’t always see the results right away… ...
12/12/2025

Realtor friends — every call, every showing, every handshake plants a seed.
You won’t always see the results right away… but growth is happening. 🌱

Stay consistent. Stay faithful. Keep serving at a high level.
The harvest always comes to those who don’t quit.

Faith-Fueled Friday 🤍

Ready to build instead of battle the resale market?With FHA’s One-Time Close, you can build it AND buy it with just 3.5%...
11/12/2025

Ready to build instead of battle the resale market?
With FHA’s One-Time Close, you can build it AND buy it with just 3.5% down—one loan, one closing, zero hassle.

If a custom home is on your radar, this is the move.
Call or text anytime.
📲 970-786-0222

REALTORS — I WORK WEEKENDS 👊If you’re out writing offers on a Saturday or dealing with last-minute buyer questions on a ...
06/12/2025

REALTORS — I WORK WEEKENDS 👊

If you’re out writing offers on a Saturday or dealing with last-minute buyer questions on a Sunday… I’m right there with you.

Crazy loan scenario?
Urgent pre-approval?
Clients blowing up your phone after hours?

Text me. Call me. Loop me in.
When you hustle — I hustle.

Tim Rhey | True Rate Mortgage
Weekends are still game time. 🏈

The Only Thing Rising Here… Is the Steam 💨💦Huge congrats to Charli on her FHA refinance! Lower monthly payments and a ba...
06/12/2025

The Only Thing Rising Here… Is the Steam 💨💦

Huge congrats to Charli on her FHA refinance! Lower monthly payments and a backyard built for relaxation — that’s how you refinance right.

Smart move, Charli. Enjoy more peace, more savings, and more time soaking in the good stuff. 🏡✨

It’s ok to slow your roll during the homebuying process. The right home at the right time will show up. Patience wins...
05/12/2025

It’s ok to slow your roll during the homebuying process. The right home at the right time will show up. Patience wins in real estate.
-fueledfriday

WINNING OFFER WEDNESDAY 🏆Want to know the REAL unfair advantage buyers have in this market?➡️ Listing agents trust local...
03/12/2025

WINNING OFFER WEDNESDAY 🏆

Want to know the REAL unfair advantage buyers have in this market?

➡️ Listing agents trust local.
They trust real humans, real speed, and real access — not a 1-800 number.

At True Rate, we win deals because agents know:
• They can reach us directly
• We answer the phone
• We close on time
• Our reputation shows up with the offer

In a competitive market, local credibility beats big-bank noise every single time.

If your buyer needs a lender who helps offers stand out — I’m here.

Tim Rhey
Partner | Loan Officer
📞 970-786-0222
NMLS #883312

MONDAY MATH: THE DTI DOMINOEveryone wants more buying power…But the real move isn’t earning more —It’s owing less.Simple...
01/12/2025

MONDAY MATH: THE DTI DOMINO

Everyone wants more buying power…
But the real move isn’t earning more —
It’s owing less.

Simple math:
Every $100 in monthly debt can cut roughly $15,000 in buying power.
(Case by case — credit, income, loan type, and full guidelines apply.)

Kill a $400 car payment?
You could gain about $60,000 in room.

Debt isn’t just a bill —
It’s a lever.
Push it down → your options go up.

Before chasing a bigger paycheck…
Clean up the payments.
Less debt = More house.
Lower DTI = More power.

Every file is different —
but this truth always hits:
Small monthly changes = big mortgage wins.

— Tim @ True Rate Mortgage Group
(educational content only, not a commitment to lend)

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Branch Manager. Peoples Mortgage Northern Colorado.

Licensed in Colorado and Arizona

970-786-0222

LO Licensing: AZ LO-1002065 CO-100055429 NMLS-883312 Company Licensing: AZ BK-0904164 CO, Regulated by the Division of Real Estate NMLS-6274 Equal Housing Lender