Tim Rhey Team

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. 🏈

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. 🏡✨

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

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

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)

Hashtags:

28/11/2025

Everyone’s chasing Black Friday deals on TVs, shoes, and kitchen gadgets…
Meanwhile, the real savings are hiding in your mortgage.

This year’s pro tip:
Instead of buying something you don’t need, check the payment you already have.
A small rate improvement can save you more than every Black Friday sale combined.

Black Friday Special:
✨ Now offering up to 30 years of savings.
(No camping outside a store required.)

If you’ve been wondering whether it’s a good time to refinance, get pre-approved, or lower your monthly payment, I’m here to help you run the numbers.

DM me “SAVINGS” and I’ll check your options with zero pressure.

—
True Rate Mortgage™
In Your Best Interest.

25/11/2025

A peaceful home starts with a smart mortgage.

As we head into Thanksgiving week, most families are focused on food, travel, and getting time off — but your home should feel peaceful too.
If your mortgage feels heavy, confusing, or higher than it should be… let’s fix that.

Tim can help you:
✔️ See if your rate can drop
✔️ Remove or reduce PMI
✔️ Skip 1–2 payments with a refinance
✔️ Use your equity smarter
✔️ Get a clean breakdown of your real options

No pressure. No sales pitch.
Just clarity — so your home feels a little lighter this holiday season.

Message me “CHECKUP” and I’ll run the numbers for you.

— True Rate Mortgage Group
Call Tim today!

24/11/2025

Most people don’t realize how much they could be saving until someone runs the numbers with them.

This Thanksgiving, I’m helping families get clarity — not confusion — around their mortgages.

Here’s what a quick checkup can reveal:
✔️ Could your rate drop?
✔️ Can we remove PMI?
✔️ Are there down payment programs you qualify for?
✔️ Could you skip a month of payments on a refinance?
✔️ Are you overpaying without realizing it?

No pressure. No obligations. Just simple, honest numbers.
If you want clarity before the holidays, I’m here to help.

Happy Thanksgiving from True Rate🧡

21/11/2025

Veterans deserve a lender who truly shows up for them — in Northern Colorado and nationwide.

Whether you're stationed here in Greeley, Fort Collins, Windsor, Loveland, or living anywhere across the USA, my team and I proudly serve veterans in 48 states with fast, personalized, and transparent VA loan support.

With the TRUE HERO Loan™, we work your file every single day, communicate proactively, and close clean and fast — because your service deserves nothing less.

If you're ready to buy or refinance using the benefits you earned, I’d be honored to help. 970-786-0222

👉 Call, Text or Message me today to start your VA purchase or refinance.
👉 Learn more at True-Rate.com

20/11/2025

5.0 star review received on Experience.com for Tim Rhey by Kevin W - You want the best? You get the best with Tim. He looks out for his clients and gets too the bottom line with no fluff. Highly recommend Tim!

Click to see all 76 reviews of Tim Rhey, Owner - NMLS # 883312

19/11/2025

🔥 NEW Market Update (11/19/25)! Big shifts are coming for 2026… and they’re actually good news. 👀

Don’t miss this — watch now and tell me your thoughts!

Welcome back to the channel! Today we’re breaking down what’s actually happening in the mortgage market as of November 19, 2025 — in plain English, with zero...

19/11/2025

Veterans deserve a team that shows up for them — every step of the way. 🇺🇸

Here’s the VA loan team behind True Rate: experienced, proactive, and dedicated to helping Northern Colorado veterans succeed in today’s market.

When you work with us, you don’t just get a lender — you get daily communication, personalized guidance, and fast, clean closings supported by a team that truly cares.

We proudly serve veterans across Greeley, Windsor, Fort Collins, Loveland, and anywhere nationwide. If you’re ready to buy or refinance with a trusted VA loan expert, I’d love to help.

👉 Message or call me to start your VA purchase or refinance. 970-786-0222
👉 Learn more at www.True-Rate.com