Chris Jones
Meet Chris!
I've been in the financial services industry for 2 decades, residential mortgage lending for 12. I take a consultative approach when working with clients, looking at the full financial picture of purchasing or refinancing a home and providing solutions based on the clients individual needs. I take special pride in working with first time home-buyers and Veterans. My goal is to create a relationship with every individual I cross paths with and always stride to exceed expectations. I am always available to assist, day or night. I am married with 2 children and reside in D/FW.
Serving Homebuyers In:
- Arkansas
- Texas
Mortgage Calculators
Monthly Payment
Find your monthly payment
What does a monthly mortgage payment look like for you? Get an estimate with some basic information.
Estimated Monthly Payment
The UMortgage mortgage calculators are for estimation purposes only. This is not a commitment to lend. For an exact quote based on your individual financial circumstances, please contact me.
Affordability
What is your budget?
Curious about how much you can afford to spend on a home? Use our calculator to get an estimate on your maximum budget.
Maximum Home Price
Maximum Monthly Payment
The UMortgage mortgage calculators are for estimation purposes only. This is not a commitment to lend. For an exact quote based on your individual financial circumstances, please contact me.
Refinance
Should you Refinance?
Refinancing might save money on your monthly mortgage payments, putting cash in your pocket. With some basic information from you, we can help decide if this is a good path for you.
Monthly Savings
Total Savings
The UMortgage mortgage calculators are for estimation purposes only. This is not a commitment to lend. For an exact quote based on your individual financial circumstances, please contact me.
VA Entitlement & Payments
Discover Your Buying Power With Our VA Home Loan Calculator!
If you are a veteran, an active-duty member of the military, or the spouse of a current or former military member, you are eligible to purchase a home with your VA home loan benefit! By using the calculator below, you can get a glimpse into your buying power and the estimated monthly payment of your VA loan as you start planning your homebuying journey.
Estimated Monthly Payment
Required Down Payment
Limit
$0
Entitlement Used
$0
Available Entitlement
$0
No Limit
How is my monthly payment calculated?
The UMortgage mortgage calculators are for estimation purposes only. This is not a commitment to lend. For an exact quote based on your individual financial circumstances, please contact me.
Your Mortgage Questions, Answered!
How the 2024 Election Could Impact the Housing Market
The results of the 2024 Presidential Election are in, and according to Redfin, 38% of early voters prioritized housing affordability when choosing their candidate. With President-elect Donald Trump set to return to the White House in 2025, let’s look at how his policies could impact the housing market. Housing Affordability Throughout his campaign, Trump pledged to make housing more affordable with plans to cut regulations and introduce tax incentives to lower building costs, aiming to boost home construction. If builders find it easier to develop new homes, the increased supply could help balance out high home prices. Potential Price Pressures One area to watch is Trump’s proposed tariffs. While these may help U.S. industries in some sectors, economists suggest they could drive up costs for construction materials. This could lead to higher prices for new homes and potentially push up inflation, which might put upward pressure on mortgage rates in the long term. Tax Cuts and Economic Growth Trump’s tax plan includes extending 2017 tax cuts and introducing new ones aimed at fueling economic growth. For many Americans, lower taxes mean more take-home pay, which can make affording a home easier. However, the long-term effects on the housing market will depend on how these cuts influence the economy overall. The Role of the Federal Reserve The Federal Reserve has been actively working to keep interest rates low, supporting both the economy and the housing market. If this trend continues, mortgage rates may stay relatively stable, even if inflation rises. It’s clear that housing affordability will continue to be a national priority, but the real impact will depend on how Trump’s policies are implemented in the coming years. If you're considering buying a home or refinancing, now may be a great time to consult with a mortgage professional. Follow this link to connect with a UMortgage Loan Originator in your area to get started!
Housing Market Update | Week of November 4th
This is a big week for the housing market and the nation as a whole. Last week’s labor data was a mixed bag; the BLS jobs report showed a yearly low for job creation on Friday, but the other labor reports indicated the market softening instead of breaking. Jerome Powell, Fed Chairman, will provide some crucial insight that will shape the market moving forward during his post-Fed meeting press conference on Thursday. Last Week's Mortgage Rate Recap Rates Rose Slightly We had a jam-packed week full of crucial data throughout the week last week. The biggest labor report—the Bureau of Labor Statistics jobs report—showed a yearly low for job growth. However, the 10-year yield and mortgage rates have both gone higher since then. This is likely due to the unchanged employment rate at 4.1% and 4% wage growth as well as the context of jobs impacted by recent hurricanes, but we’ll get more insight from Powell during Thursday’s press conference. This Week's Mortgage Rate Forecast Rates Will Be Volatile As we mentioned previously, we could be in for a roller coaster of a week between the Presidential election and the upcoming Fed meeting. As things stand, it looks likely that the Fed will cut the Federal Funds Rate by 0.25%. Between the election on Tuesday and Jerome Powell’s post-Fed meeting press conference on Thursday, rates could show volatility based on multiple different factors. With a lot in the air, it’s important to review the data and gain an expert’s perspective to help navigate these market movements and strike when the time is right. Our team took a deep dive into last week’s economic data and the events that will impact mortgage rates the most this week; follow this link to watch a replay of our Monday Market Update to stay ahead of the curve.
Tips to Navigate a Changing Housing Market
In today’s fast-paced real estate environment, adapting to change is essential. We’ve seen first-hand that the market can be unpredictable. However, with the right strategy and the right team in your corner, there’s plenty of opportunity for you to thrive. Here's how you can collaborate with UMortgage to navigate these challenges and find success. Work With a Local Expert One of the biggest advantages you can get in any housing market, let alone one that changes quickly, is local expertise. National headlines paint a broad picture, but every neighborhood has its own dynamics. By partnering with one of UMortgage’s local mortgage experts, you can dive deeper into the market conditions affecting your area to make informed decisions while you shop for your home. UMortgage is proud to have Loan Originators who are rooted in their local communities and can offer in-depth expertise on the market dynamics of specific neighborhoods. When you choose to work with a UMortgage LO, you’ll get inside knowledge on regional trends, mortgage rate movements, and inventory fluctuations to help you shop with confidence. With the right information in your toolbelt, you can ensure you're acting at the best time to buy or own your home without unneeded financial strain. Understand the Economics Behind the Market A changing market can feel daunting, but it’s important to remember that real estate is driven by fundamental economics. Your LO can break down these key drivers—such as interest rates, inflation, housing supply, and demand—so you understand not just what’s happening, but why. This insight is especially helpful for homebuyers who may feel unsure about jumping into the market during periods of fluctuation. If you're a real estate agent, having a solid narrative behind these changes can set you apart when trying to win over a prospective buyer. Being able to clearly explain why certain trends are happening will build trust and reassure your clients that you're the go-to person for real estate advice. With UMortgage’s help, you’ll always have up-to-date market insights to share. We publish a weekly blog every Monday at noon sharing digestible insight into recent mortgage rate movements and a forecast market-impacting events on the horizon. Check it out here every week to see the different pieces of economic data that will make mortgage rates shift to stay ahead of the curve. Find Your Niche and Strengthen Your Knowledge In a diverse market, it’s important to find a niche where you can specialize. As a real estate agent, honing in on a specific area—whether it's first-time homebuyers, military homebuyers, or investment properties—can set you apart. With UMortgage, we offer a wide range of loan products to tailor a mortgage to a client’s specific financial goals. When you specialize, you can provide better service, and we can match you with the right mortgage product to strengthen those client relationships. Homebuyers can also benefit from this strategy by working with a LO who understands their unique circumstances. Whether you're a veteran using a VA loan or a self-employed borrower with a more complex financial picture, finding the right loan product will make all the difference when your loan reaches underwriting. Managing the Emotions of the Homebuying Experience Finally, it’s crucial to manage the emotional rollercoaster of real estate transactions. Buying a home can be stressful, and market changes can add to that pressure. But don’t worry—we’ve seen it all. Your UMortgage LO is here to guide you with clear, rational advice that helps you stay focused on your long-term goals. By working closely with your UMortgage LO, you'll have the right combination of local knowledge, market insight, and emotional support to stay resilient through the ups and downs. The real estate market may be ever-changing, but that doesn’t mean it’s impossible to succeed. With the right LO by your side, you can navigate these shifts confidently. At UMortgage, we’re committed to helping you find the best path forward, no matter what the market throws your way.
Serving Homebuyers In:
- Arkansas
- Texas