blog Archives - Erica Billé

Person calculating mortgage costs with miniature house model coins notebook and laptop - home loan planning and financial budgeting workspace

If you are a Real Estate Agent in Kyle, TX, or the greater Austin area, you likely work with a significant number of military families and veterans. In our market, understanding the nuances of the VA Home Loan benefit isn’t just “nice to know”—it is a powerful tool that can save deals, increase your buyer’s purchasing…

By Erica Bille, Leading Mortgage Broker in Kyle, TX Kyle, the spirited suburb just south of Austin, has been a hotspot for Texas growth in 2025, drawing families and young professionals with its blend of small-town charm and big-city access. As rates stabilize and the local economy hums along – bolstered by tech expansions and…

Is Now the Time to Refinance Your Home Loan in Texas? Imagine slashing your monthly mortgage payment by hundreds of dollars while funding that dream kitchen renovation – all without the usual hassle. As interest rates fluctuate in 2025, refinancing your mortgage could be the smartest financial move for Texas homeowners. From lowering rates to…

What Is a VA IRRRL and Why Consider It Now? Imagine slashing your monthly mortgage payment without the hassle of a full refinance process – that’s the power of a VA Interest Rate Reduction Refinance Loan (IRRRL). As interest rates fluctuate in 2025, many Texas veterans are discovering how this streamline option can lock in…

Why Tap Into Home Equity for Your Holiday Home Transformations? Imagine transforming your home into a winter wonderland just in time for the holidays – cozy gatherings, sparkling decorations, and spaces that bring joy to your family. With home values soaring, many Texas homeowners are sitting on a treasure trove of equity that can make…

What if your next investment not only padded your portfolio but also turned a neglected corner of your community into a welcoming haven? Real-life fix ‘n’ flip success stories show this is possible. As a premier mortgage broker in Kyle, TX, Nest Mortgaging has partnered with investors to make these transformations happen, using our expertise…

Imagine stumbling upon a rundown house in your neighborhood that’s been an eyesore for years. With the right vision and financing, you could turn it into a stunning family home, boosting the entire block’s appeal. That’s the magic of fix ‘n’ flip investing—not just a path to financial success, but a way to improve communities…

As a first-time homebuyer in Kyle, TX, stepping into the 2025 housing market can feel like a big adventure. With home prices stabilizing at a median of $317,000 and inventory up 8.9% from last year, now’s a great time to buy near Kyle’s Plum Creek or H-E-B Plus! Nest Mortgaging (NMLS: 2377679 | Erica Billé:…

Refinancing or tapping home equity in Texas? Your credit score model could make or break your deal. As mortgage experts at Nest Mortgaging in Kyle, TX, we’ve seen how VantageScore vs FICO influences options like cash-out refinances or HELOCs. With 2025 bringing wider adoption of VantageScore 4.0 in mortgages, borrowers have more tools for financial…

Understanding your credit score is a cornerstone of the homeownership journey, especially when pursuing competitive mortgage rates in Texas. As a mortgage broker in Kyle, TX, Nest Mortgaging often fields questions about VantageScore vs FICO—two leading credit scoring models that can influence everything from pre-approval to refinance savings. With the FHFA’s recent update allowing lenders…