Tom Spaniel

Loan Officer - NMLS 228693

[Tom Spaniel @tomspaniel]

"The bank takes your home."

I hear this every week. It stopped being true in 1989.

That's when Reagan signed the reverse mortgage into law as an FHA-insured product. Since then: you keep the title, your heirs keep the equity, and you can never owe more than the home is worth.

If you're 62+ and want the real story, call me at 214.802.9266.

#ReverseMortgage #HECM #RetirementPlanning

[Tom Spaniel @tomspaniel]

New data: 1 in 5 seniors seeking a reverse mortgage in 2025 had expenses exceeding income — up from 1 in 8 just a year prior.

Seniors 62+ hold record home equity ($14T+), but many are cash-flow negative when they arrive.

The window for strategic planning is closing. 🔗 https://t.co/UCMgAW5bwn

If you're 62+ and want to learn more about how a reverse mortgage could work for you, call me at 214.802.9266.

#ReverseMortgage #HECM #HousingMarket

[Tom Spaniel @tomspaniel]

@hxxntrr Do you have a service to assist with this process?

[Tom Spaniel @tomspaniel]

You don’t need perfect credit.
You don’t need the “perfect” time.
You just need a plan — and someone to walk you through it. 📷📷

Homeownership might feel out of reach, but the right strategy can change everything. Let’s talk about what steps actually matter and how to start where you are.
Send me a message.

#mortgage  #home

[Tom Spaniel @tomspaniel]

Still waiting for rates to drop? Let’s talk real talk. 📷

You’re not just “timing the market” — you might be putting your whole life on pause.
But here’s what most people don’t realize:

📷 You can still save money even with today’s rates.
📷 You can still start the right conversations.
📷 You can still build wealth, security, and a plan that works for you.

Waiting might feel safe… but starting the conversation now could be the smartest move you make all year.
#mortgage #mortgagetips

[Tom Spaniel @tomspaniel]

@FreckledLiberty Funny

[Tom Spaniel @tomspaniel]

📍 Why Work with a Local Expert? Here’s the Difference!
Buying or selling a home isn’t just a transaction—it’s a big life decision. And when you work with a local pro, you get so much more than just a mortgage company.

✔️ I know this market inside & out. I stay on top of local trends, pricing, and hidden gems so you don’t have to.

✔️ I’m connected. From inspectors to agents —I have the local network to make sure everything gets handled smoothly.

✔️ I care more. This isn’t just business to me. You’re not just another transaction—you’re a neighbor, and I want to see you win.

✔️ I go the extra mile. Paperwork handled fast? Negotiations that work in your favor? I make it happen.
When you work with someone local, you get more dedication, more expertise, and more results.

📩 Let’s get you into a home—message me today!

#Mortgage #Mortgagerates #buyingahome

[Tom Spaniel @tomspaniel]

💡 You don’t have to choose between building your future and owning your dream home.

With the right mortgage, you can do both.
🏡 Create the space you love
🚀 Pursue the goals that light you up
💸 Stay on track financially

It’s not about stretching yourself thin—it’s about getting a loan that works with your lifestyle, not against it.
Let’s find a mortgage that supports your dreams—not sidelines them.

#mortgage #homebuyer #preapproval

[Tom Spaniel @tomspaniel]

💰 You just got $50,000.
What’s your move?
Would you:
 🏡 Put it toward a down payment?
 🔨 Finally start that kitchen reno?
 📉 Knock down your mortgage balance?
 🛋️ Upgrade your space with new decor and furniture?

There’s no wrong answer—just different strategies depending on your goals.

📊 Want help figuring out what would make the biggest impact on your future?
 Drop your choice below (A, B, C, or D) 👇
 Then let’s talk about how to make every dollar count

#mortgage #homebuyer #preapproval

[Tom Spaniel @tomspaniel]

🚨 Don’t Fall for These 5 Mortgage Myths! 🏡❌

There’s a lot of misinformation out there when it comes to getting a mortgage. Let’s clear up 5 common myths that might be holding you back from homeownership!

1️⃣ Pre-Qualification = Pre-Approval? Nope! Pre-qualification is just an estimate, while pre-approval involves verification and makes you a stronger buyer.

2️⃣ You need a perfect credit score to apply. Not true! While a higher score helps, there are plenty of loan programs for buyers with less-than-perfect credit.

3️⃣ You can’t pay off your mortgage early. Many loans allow early payments, and some even let you make extra payments without penalties.

4️⃣ Applying for a mortgage will tank your credit. A mortgage inquiry may cause a small, temporary dip, but it won’t ruin your score—especially if you’re responsible with your credit.

5️⃣ You should wait for interest rates to drop. Waiting could mean missing out on the right home. You can always refinance later if rates go down!

📌 Bottom line: Don’t let myths stop you from owning a home. If you’re unsure, talk to a mortgage pro to get the facts.

👉 Which of these myths surprised you the most? Drop a comment below! 👇

#Mortgage #Mortgagetips

[Tom Spaniel @tomspaniel]

Anyone who purchased a home with VA or FHA financing in the last year needs to call me for a refinance quote. I have a streamlined refinance program that could significantly lower your rate (payment) without requiring an appraisal or income and asset verification. 214.802.9266.

[Tom Spaniel @tomspaniel]

Thinking about updating your home but not sure where the money will come from? There’s a way to easily tap into your home’s equity and use it as a line of credit. Call me today to see if this is right for you!

[Tom Spaniel @tomspaniel]

As your local mortgage broker, I'm uniquely qualified to find the perfect home loan for you. From understanding the specific requirements and opportunities of the area to understanding your specific needs and qualifications, let me map out your path to homeownership!

[Tom Spaniel @tomspaniel]

There's nothing better than shopping in your pajamas while curled up on a couch! Did you know you can buy a house with the same ease when you work with an independent mortgage broker? Reach out to me and we can start an online mortgage application today.

[Tom Spaniel @tomspaniel]

Need a bigger home for your growing family? We can help you save thousands. DM me for more details.

[Tom Spaniel @tomspaniel]

We're thankful for all the new opportunities and benefits that come with homeownership and are excited to be able to share that with you!

[Tom Spaniel @tomspaniel]

Put your hard earned money into building your own home equity, not filling someone else's pocket. Call us today.

[Tom Spaniel @tomspaniel]

Happy National Entrepreneur's Day. It's hard work being an entrepreneur — let us help you. Call me to find out how you can qualify for a mortgage with only your bank statements!