Greg Bailey, NMLS 2707379

08/25/2026

Keeping Mortgage Simple

PRE-QUALIFY vs. PRE-APPROVED

WHAT’S THE DIFFERENCE?

PRE-QUALIFICATION

An initial estimate of what you may be able to afford based on the financial information you provide.

PRE-APPROVAL

A more detailed review of your income, assets, credit, and other financial information to determine how much you may qualify to borrow.

REMEMBER:

Getting pre-approved doesn’t mean you have to buy a house tomorrow. It simply helps you understand where you stand and plan your next steps.

Thinking about buying now or sometime down the road? Let’s put together a game plan.

Greg Bailey | Mortgage Loan Officer
My City Lending
NMLS #2707379
903-520-7498

08/21/2026

Are you a Veteran looking to purchase a home?

As a fellow Military Veteran, I want our Veterans to know that I’m here to help answer your questions, explain your VA home loan benefits, and guide you through the pre-approval process. I lend in all 50 states. Calling Texas my home.

If you’re thinking about buying a home and aren’t sure where to start, I’d be glad to help.

https://mycity.mortgage/greg-bailey/

07/15/2026

Think you need a big down payment to buy a home? Think again!

A USDA Home Loan could be one of the best financing options available if you're purchasing in an eligible area.

- No down payment - Competitive fixed interest rates -

If you've been waiting because you thought you needed 10% or 20% down, let's see if a USDA loan is an option for you.

Send me a message, and I'll be happy to check your eligibility and answer your questions.

07/14/2026

Thinking about purchasing a manufactured home?

Before you fall in love with a property, make sure it meets financing guidelines. A few simple details can make the difference between a smooth closing and a financing roadblock.

https://mycity.mortgage/greg-bailey/

07/06/2026

Looking to start or grow your rental portfolio? Ask me about DSCR financing. We don't look at your financial situation. This is one of the easiest ways to acquire rental properties.

Call or text me at (903)520-7498. You can also FB message me.

07/01/2026

5.0 star review received on Experience.com for Gregory Bailey by Michael E G - Greg was an advocate for us the entire process, and he always displayed kindness and care. Thank you!

Click to see all 84 reviews of Gregory Bailey - Novus Home Mortgage, Loan Officer | NMLS #2707379

06/22/2026

Thinking about buying a home?

Before you make any major financial moves, take a look at these important do's and don'ts for homebuyers. A few simple mistakes can affect your loan approval, while a few smart decisions can help make your home purchase go much smoother.

06/17/2026

Everyone watches mortgage rates...

But what if I told you rates aren't moving because of what most people think?

Thinking about buying a home in the next 6 months? Let's talk now so you can be prepared when the right house hits the market.

Learn more or connect with me:
https://mycity.mortgage/greg-bailey/

06/15/2026

5.0 star review received on Experience.com for Gregory Bailey by Matthew M - Ya'll a good job at keeping me informed.

Click to see all 82 reviews of Gregory Bailey - Novus Home Mortgage, Loan Officer | NMLS # 2707379