Client Resources

Tools, calculators, and answers. All before you sign.

Everything our clients use to understand their loan before, during, and after the deal. Calculators, the live market desk, blog explainers, and the entire client portal in one place.

Calculators · Powered by MyLoanIQ

Six calculators. Every scenario.

The same tools we run on every call. Free to open, no signup needed.

Latest from the Blog

Plain English. Real strategies.

Education-first articles for borrowers, retirees, investors, and the agents who serve them.

VA Loans
VA Loans: 100% Financing, No PMI, and the Multi-Use Benefit Nobody Talks About

Eligible veterans can use their VA benefit more than once. Here's exactly how the entitlement works and when it makes more sense than conventional.

Read →6 min read
Market Strategy
The 50-Year Mortgage Is Back. Should You Care?

A 50-year mortgage drops your payment, and dramatically inflates lifetime interest. Here's the math, the use cases, and where it goes sideways.

Read →7 min read
Investors
Portfolio Loans vs. DSCR: Which Wins for Scaling a Rental Portfolio?

A side-by-side for the door-3 investor. When portfolio loans dominate. When DSCR is the only answer. Where blended structures win.

Read →9 min read
Reverse Mortgage
After a Reverse Mortgage: What Happens to the Home?

The question every adult child asks. Heirs retain options. Here's what actually happens to the home and the equity at the end.

Read →5 min read
Reverse Mortgage
Reverse Mortgage Payout Options: Lump Sum, Monthly, or Line of Credit

The growing line-of-credit option is the one most retirees don't know exists, and it's often the smartest play.

Read →6 min read
Real Estate
Home Improvement ROI: Which Renovations Actually Add Equity?

Kitchens, baths, and curb appeal vs. pools, additions, and "smart" everything. The 2026 ROI numbers, by category.

Read →8 min read
Selling
When to Sell vs. When to Hold (and Rent it Out)

For most homeowners, the wealth move is to hold and refinance into a rental. Here's the cash-flow math that decides it.

Read →7 min read
Austin Market
Central Texas Mid-Year Market Update (2026)

Where Austin inventory, days-on-market, and rates are sitting going into the back half of the year. Plus what we expect for fall.

Read →10 min read
Weekly Update
This Week in Rates: What Moved the 10-Year and Why

A weekly read on Treasury yields, MBS pricing, and the data points lenders watch, translated for borrowers.

Read →4 min read

Get the weekly market read.

Every Friday, a short email: what moved rates this week, what to watch, and a 60-second take.

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Quick Links

Everything in one place.

Application Portal
10-minute soft application. No hard credit pull. Secure document upload.
Open application →
The Reverse Mortgage Playbook
Request a free copy or buy it on Amazon. Education-first for homeowners 55+ and their families.
Get the book →
FORM Method Podcast
Conversations about relationships, business, and the FORM Method framework.
Listen →
Agent Resource Page
CE classes, marketing tools, ListReports, MBS Highway, the full Realtor resource hub.
Open agent hub →
The Networking Wire
Austin's curated weekly directory of professional networking events. One email. Zero spam.
See events →
Stop Wasting Handshakes
The relationship CRM from Marketing by Referral. Turn one good conversation into a lifetime of referrals.
Try SWH →

The platform behind the desk.

MyLoanIQ, MyFlyers, MyLola, and Lola AI, the same toolset we use to close loans is what powers these calculators and resources.

Open MyLoanIQ →
MyLoanIQ
Scenarios, calculators, market desk
MyFlyers.ai
Agent flyers & co-branded marketing
MyLola.ai
Relationship CRM, not a contact list
Lola AI
The underwriting brain behind it all

Got a specific question?

Some questions are easier to answer on a 15-minute call than in a calculator. We'll save you the rabbit hole.

Schedule a Call →

Austen Smith · NMLS #265697 · Barton Creek Lending Group NMLS #264320 · Equal Housing Lender