When the appraisal doesn’t match the contract—what every buyer and seller should know.

Ever wonder what really happens when the appraisal comes in low—or even higher than the sales price? Today, we’re breaking down how appraisals can make or break a deal, and what smart buyers, sellers, and agents can do about it.

In this episode of Mark’s Mortgage Guide, Mark Zachary dives into one of the most critical—and misunderstood—moments in the home buying process: the appraisal. Whether the value comes in below, above, or right on the contract price, it can drastically impact your financing, negotiations, and closing timeline.

We’ll unpack what each scenario means, how to respond strategically, and the key steps your lender and real estate agent should take to keep your deal on track.

Hope you enjoy this episode and find in informative

So you’ve found your dream home… but before you grab the keys, you’ll have to put some skin in the game. How much? When? And what happens if things don’t go as planned? Today, we’re breaking down the truth about earnest money, option fees, and the contract contingencies that can make or break your deal.

In this episode of Mark’s Mortgage Guide, Mark Zachary takes you behind the scenes of the homebuying process to explain what earnest money and option fees really mean — and how contract contingencies protect both buyers and sellers.

You’ll learn:

• How much earnest money is typical in today’s Texas market

• What your option fee covers (and why it’s worth every penny)

• The key contingencies that can save your deal — or cost you your deposit

• Real examples of how buyers protect themselves in competitive markets

Whether you’re writing your first offer or guiding clients through contracts, this episode will help you understand the “earnest” side of homebuying — and how to make sure your money (and your deal) stay safe.

Does the government shutdown = mortgage delays? Here’s what every homebuyer needs to know right now.

In this episode of Mark’s Mortgage Guide, we break down how the government shutdown is affecting the mortgage and lending industry. From delays in IRS transcripts and FHA/VA loan processing to the impact on economic data the Fed uses to guide interest rates, we’ll cover the real issues borrowers, lenders, and real estate professionals are facing right now. Whether you’re a first-time homebuyer, a realtor helping clients navigate uncertainty, or just keeping an eye on rates, this episode will help you understand what’s happening and how to prepare.

Next Step Home Loans, LLC

12841 Jones Rd.#245

Houston, TX 77070

Ofc: 832-504-9014

TeamMark@NextStepHomeLoans.com

www.NextStepHomeLoans.com

NMLS# 1746763

What if Fannie Mae and Freddie Mac went private? Could mortgage rates rise—or could competition actually help buyers? This week, we break down the high-stakes debate and what it means for your next home loan.

In this episode of Real Estate Pros of Houston, we unpack the complex issue of privatizing Fannie Mae and Freddie Mac. Since entering conservatorship in 2008, these government-sponsored enterprises (GSEs) have played a critical role in stabilizing the mortgage market and keeping 30-year fixed-rate mortgages accessible. But what would happen if they were returned to private hands? Experts warn it could mean higher rates and stricter lending—but others argue it could drive competition and innovation. We’ll explore the history, the congressional debates, FHFA’s preparations, and practical implications for homebuyers and mortgage brokers in today’s market. If you want to understand how these potential changes could impact your home financing options, this episode is a must-listen.

Next Step Home Loans, LLC

12841 Jones Rd.#245

Houston, TX 77070

Ofc: 832-504-9014

TeamMark@NextStepHomeLoans.com

www.NextStepHomeLoans.com

NMLS# 1746763

Welcome back to Real Estate Pros of Houston!

Today, we’re tackling one of the hottest topics in real estate right now—Mortgage Rates, Housing Affordability, and the Fed’s Influence. Everyone talks about how interest rates move the housing market, but the truth is, it’s not always a straight line from the Fed’s decision to your mortgage payment.

In this episode, we dig into the complex relationship between the Federal Reserve, mortgage rates, and home affordability. Conventional wisdom says lower rates mean cheaper homes—but that’s only part of the story. We’ll explore how inflation, supply and demand, economic growth, and the “lock-in effect” of homeowners holding historically low mortgage rates all factor into today’s housing challenges.

You’ll learn:

• Why lower rates don’t always equal more affordability
  How supply shortages and buyer demand can push prices up even as rates drop

• The ripple effect of Fed policy on regional housing markets

• What buyers, sellers, and real estate professionals should be watching right now
  

Whether you’re a buyer hoping for relief, a seller wondering about timing, or a real estate pro guiding clients, this episode will give you a clear, grounded look at how the Fed really shapes the housing market.

Next Step Home Loans, LLC

12841 Jones Rd.#245

Houston, TX 77070

Ofc: 832-504-9014

TeamMark@NextStepHomeLoans.com

www.NextStepHomeLoans.com

NMLS# 1746763

A very special guest today. My nephew and future Texas A&M Linebacker, Hudson Zachary.

As the 2025 season approaches, we talk Heisman hopefuls, top recruiting classes, early season picks, and best jerseys in the country.

Listen in. Great knowledge and insight into the upcoming year. Thank you Hudson for being my guest and sharing your college football insight! See you at Kyle Field.

Thinking about selling your home? 🏡
Here’s the truth: clutter, dark rooms, and outdated décor could cost you thousands—maybe even kill your buyer’s loan approval.

First impressions matter—especially in real estate. In this episode, we explore how home staging can directly impact how quickly your home sells, how appraisers value it, and ultimately how smooth your financing goes on your next purchase.

You’ll learn:

• Why staging isn’t just about looks—it’s a financial strategy.

• How clutter, lighting, and decor can influence both buyers and appraisers.

• Staging tips that transform your home without breaking the bank.

• A real client story that shows how a “one-weekend transformation” made all the difference.

• Common misconceptions about staging (and the truth behind them).

If you’re getting ready to sell in Texas, don’t skip this step. Staging could be the difference between a stressful listing and a fast, top-dollar sale.

Here to help!

Next Step Home Loans, LLC

12841 Jones Rd.#245

Houston, TX 77070

Ofc: 832-504-9014

TeamMark@NextStepHomeLoans.com

www.NextStepHomeLoans.com

NMLS# 1746763

Welcome back to Real Estate Pros of Houston! In today’s episode, we’re breaking down the FHA property standards — the minimum requirements a home must meet in order to qualify for FHA financing. Whether you’re a buyer, seller, or real estate professional, understanding these standards can save you time, money, and headaches in the homebuying process. We’ll talk about what FHA looks for during an appraisal, common issues that can cause delays, and how to prepare so your transaction goes smoothly.”

You’ll learn:

• Why FHA property standards exist and how they protect buyers and lenders.

• The top repairs that can delay an FHA loan approval.

• How sellers and agents can prepare a home to meet FHA requirements.

• What buyers should look for before making an offer on an FHA-financed property.

If you’re navigating the FHA loan process, this episode will help you avoid surprises and keep your deal on track.

Enjoy this very informative episode.

Sponsored by:Next Step Home Loans, LLC

12841 Jones Rd.#245

Houston, TX 77070

Ofc: 832-504-9014

TeamMark@NextStepHomeLoans.com

www.NextStepHomeLoans.com

NMLS# 1746763