Aaron Sandoval

07/17/2026

Rate vs. APR: They sound similar, but they're NOT the same.

One of the biggest mistakes I see homebuyers make is comparing lenders based only on the interest rate.

The interest rate affects your monthly principal and interest payment.

The APR (Annual Percentage Rate) includes the interest rate plus many of the costs associated with getting the loan, giving you a better picture of the loan's overall cost.

A lower rate doesn't always mean it's the better deal.

Sometimes a slightly higher rate can actually save you money because it comes with fewer upfront costs.

Before choosing a lender, compare the whole picture—not just the headline rate.

If you're ever comparing Loan Estimates and aren't sure which loan is actually better, send them my way. I'll walk you through the numbers with no pressure and no obligation.

Have questions? Drop them in the comments or send me a message.

Aaron Sandoval
President | Kindred Mortgage LLC
NMLS #1409766
Company NMLS #2645422
Equal Housing Lender

07/17/2026

Here is the DFW mortgage and housing update for the week ending July 17:

Mortgage rates moved slightly higher, with the national average 30-year fixed rate around 6.55%.

Higher payments are keeping some buyers cautious, but DFW buyers generally have more homes to choose from and more opportunities to negotiate than they did in recent years.

That may include:

• Seller-paid closing costs
• Price reductions
• Repairs
• A temporary rate buydown

The goal is not just to find a rate. It is to structure the full deal around the buyer’s payment and financial goals.

Have a home or payment scenario you want reviewed? Let’s run the numbers.

06/22/2026

06/17/2026

One of the biggest misconceptions in Realestate! A difficult loan doesn’t always mean a bad loan! Some of my favorite files are the ones that look impossible at first—feeling stuck? Reach out, we are here to help!

06/17/2026

Numbers most renters don’t see. Renting vs buying: $350k home payment vs a $ 2,300.00 monthly rent payment. Sometimes buying makes more sense than renting, and sometimes the opposite is true. Link for calculator in comments, don’t worry, you don’t have to talk to anyone, but we are always here for questions! https://goalee.co/kindredmtg/

06/12/2026

DFW Market Update | Week Ending June 12

Good news for buyers this week!

📉 Mortgage rates improved slightly yesterday as bond markets reacted positively to reports of potential diplomatic progress in the Middle East.

We're also continuing to see:

✅ More inventory
✅ More seller concessions
✅ More negotiating power for buyers

💡 Program Spotlight: VA Loans

🇺🇸 $0 Down Payment
🇺🇸 No Monthly Mortgage Insurance
🇺🇸 Flexible Qualification Options

If you have buyers waiting for the "perfect time," this market is providing more opportunities than we've seen in quite a while.

Aaron Sandoval
Kindred Mortgage
NMLS #2645422

06/05/2026

DFW Market Update Week Ending June 5

Buyers have more opportunities right now than they've had in quite some time:

More homes available
More seller concessions
More negotiating power
Mortgage rates remained relatively stable this week

Program Spotlight: TSAHC

Many Texas buyers may qualify for down payment and closing cost assistance through TSAHC, making homeownership more affordable than they realize.

Know someone thinking about buying? Let's run the numbers and see what's possible.

Aaron Sandoval
Kindred Mortgage
NMLS #2645422

05/27/2026

Sometimes the difference between “waiting another year” and “buying now” is simply knowing the options.

If you have buyers needing guidance, I’d love to help.

Kindred Mortgage | NMLS # 2645422
Programs subject to borrower qualification and program availability.

05/26/2026

Mortgage Rate vs. APR — what’s the difference?
The mortgage RATE is the interest charged on the loan and helps determine the monthly payment.

The APR (Annual Percentage Rate) includes the rate PLUS many of the loan costs and fees, giving a better picture of the total cost of borrowing.

Quick example:Two lenders may both offer a 6.5% rate……but one could charge thousands more in fees.

That’s where APR helps tell the bigger story.

Simple way to think about it:Rate = monthly paymentAPR = overall loan cost

This is why comparing ONLY the rate can sometimes be misleading.