Tim Rhey Team

Tim Rhey Team

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IMPORTANT: True Rate Mortgage Group, LLC is a division of Xpert Home Lending, Inc. (XHL) is not a law firm, tax, or financial planning organization. XHL does not provide legal, tax, or financial planning advice. NMLS Consumer Access: https://mortgage.nationwidelicensingsystem.org/about/Pages/NMLSConsumerAccess.aspx

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16/07/2026

The mortgage market changes every day, but a lot of people don’t realize that the rate you lock today isn’t always the rate you’re stuck with.

One of the biggest advantages of working with the right lender is having the ability to “flip” your rate if the market improves before closing. 📉🏡

That means you can protect yourself today while still having an opportunity to save money tomorrow.

Before you choose a lender, ask one simple question:

“If rates improve, can you flip my loan?”

It could save you thousands.

ColoradoRealEstate TrueRateMortgage

07/07/2026

Reverse mortgages have been misunderstood for way too long.

Some people think they’re only for people in trouble.
Some people think the bank takes your house.
Some people have heard scary stories but have never had anyone explain how they actually work.

That’s why I’m launching True Rate Reverse.

This new video series is designed to explain reverse mortgages in plain English — what they are, how they work, who they may help, and who they may not be right for.

No pressure.
No confusing mortgage jargon.
No scare tactics.

Just real education for Colorado homeowners 62+ and families who want to better understand their options.

A reverse mortgage is not right for everyone. But for the right homeowner, it may create flexibility, improve cash flow, and help unlock home equity without having to sell the home.

This is True Rate Reverse.
Home Equity. Clearly Explained.
In your best interest.

Text REVERSE if you’d like to learn more.

MortgageEducation ColoradoMortgage TrueRate InYourBestInterest

06/07/2026

The bond market moved. We moved faster. ⚡️📉

30-year rates dropped to 6.43% — and when the market gives an opening, you need a strategy, not a guess.

We watch the bond market daily, move fast when it makes sense, and help you lock at the right time. If you’ve been waiting to buy, refinance, or just see what’s possible… this may be your moment.

DM me RATE or text LETSGO if you want me to break down what today’s move could mean for your payment.

Don’t wait for the window to close. 🚀

HomeBuying Refinance TrueRate ColoradoRealEstate HouseHunting LoanOfficer MarketUpdate MortgageTips HomeOwnership RateWatch