Running your business shouldn't make it harder get a home! If you're self-employed, there are options. I've helped folks for years that don't fit that W-2 mold. Programs that allow business income, allow bank statements, to loans for an investor that the income from the rental is what counts.

🏠 This is why I do what I do.
Helping first-time buyers like Amber—especially single parents who aren’t sure they can make it happen—is what fills my tank. We walked through the process step by step, explored every option, and made sure she didn’t just close… she closed with confidence.

📉 Everyone’s talking about the Fed… but what does it mean for your mortgage?

✅ We’ll do a Total Cost Analysis to answer:
–Is refinancing worth it for you?
–How can you maximize the benefit?
–When would you break even?

📝 Fill out the quick form at DoIRefi.com and let us do the heavy lifting.

🌞📉 Weak jobs report (22k vs 75k forecast) + rising unemployment pushed rates lower. 30-yr fixed now mid-6s. Fed cut Sept 17 looks locked in. 🏡

Revisions to past data may show actual job losses — and that’s a key reason the Fed is leaning toward cutting rates on September 17th. If cuts come, we could see mortgage rates drift lower and stay there longer, unlocking some of that pent-up demand sitting on the sidelines.

🚨 Big News! Manufactured homes are now eligible for $0 down USDA financing. Let’s see if you qualify → ApplyWithJoey.com

I’m incredibly grateful to my client, Connor, for trusting me & team to help with his first home purchase — and for sharing his experience

Big shoutout to my amazing Team Joey crew! This kind of feedback doesn’t happen without your hard work, communication, and dedication to every client’s journey

🎲 MORTGAGE-OPOLY: A Walk Through the Homebuying Process
Think buying a home is confusing? Not with Team Joey 🦘

I’ve mapped out the entire mortgage journey in one simple board—step-by-step, from your first convo with me to getting those keys in hand 🔑

✅ Clear steps
✅ Friendly advice
✅ No surprises

No updates = unnecessary stress.
That’s why we check in every Tuesday—so you’re never wondering what’s next. Let’s make this easy. 🏡✨

“I don’t want my credit pulled.” Totally valid concern—but here’s the truth 💡

✔️ Soft checks don’t impact your score
✔️ Hard pulls only drop your score a tiny bit
✔️ You can shop around without penalty!

Protect your credit and get the info you need to move forward. Let’s go 💪

👉 ApplyWithJoey.com

Thinking about buying a house?
Here’s a mistake I see all the time:

💔 Falling in love with a home before knowing numbers.

Your loan officer will help w/
✅ What you can afford
✅ What the payment will be
✅ How much cash you’ll need to close

Start smart. Shop with confidence.
🦘 ApplyWithJoey.com

These come up more than you’d think!

Need a game plan?
🦘Hop on with me at ApplyWithJoey.com

#MortgageTips #TeamJoey #LoanOfficerLife #HomeLoanHelp #FirstTimeBuyer #MortgageAdvice #RealEstateTips #TulsaHomes #MortgageSimplified

👋 I’m Joey—a Tulsa-based mortgage pro with 19+ years helping folks buy smart & stress less.

Here to share tips, tools & stories that make home loans make sense.

💬 What’s 1 thing you wish someone told you before buying a home?