Mike Mills · Mortgage Banker · Educator · Podcast Host

04/01/2026

5.0 star review received on Experience.com for Mike Mills by Jared B - Knowledgable staff and good communication

Click to see all 472 reviews of Mike Mills, Sales Leader | NMLS #756263

02/02/2026

5.0 star review received on Experience.com for Mike Mills by Kenneth B - I definetly needed hand holding along the way and everyone was kind and gracious and did not make me feel a fool for not knowing the ins and outs of the process

Click to see all 471 reviews of Mike Mills, Sales Leader | NMLS #756263

12/17/2025

Most investors are asking the wrong question.

It’s not
👉 “What’s the lowest rate?”

It’s
👉 “Does this property pay for itself?”

That shift is why DSCR loans matter in today’s buyer’s market—especially here in North Texas, where homes are sitting longer and negotiation actually improves the math.

DSCR loans don’t qualify you.
They qualify the deal.

✔ No personal income
✔ No DTI
✔ Focused on cash flow

But there are real trade-offs most people don’t talk about—and that’s where strategy matters.

If you want the full breakdown or the DSCR guide,
💬 comment DSCR or send me a DM.

Realtors: happy to walk through this with your office or investor clients.

InvestorLoans CashFlowInvesting MortgageStrategy RentalProperty BuyersMarket

12/16/2025

New Episode! "The Fed Rate Cut Explained: Why Mortgage Rates Could Still Drop in 2026"

Episode Description: The Federal Reserve just cut rates for the third time this year—but then signaled they're basically done. So what does that actually mean for mortgage rates and homebuyers in 2026? In this episode, Mike b...

Episode Description: The Federal Reserve just cut rates for the third time this year—but then signaled they're basically done. So what does that actually mean for m…

12/15/2025

5.0 star review received on Experience.com for Mike Mills by Michael W - Everyone that I dealt with was massively helpful and went out their way to make it a more pleasant experience.

Click to see all 392 reviews of Mike Mills, Sales Leader | NMLS #756263

11/18/2025

New Episode! "Real College Funding Strategies: Scholarships, FAFSA, and 529 Tips"

College funding strategies parents ignore. If your buyers are asking how to afford tuition and a mortgage, this episode breaks down real-world college savings plans, FAFSA filing tips, and scholarship stacking strategies. Lea...

College funding strategies parents ignore. If your buyers are asking how to afford tuition and a mortgage, this episode breaks down real-world college savings plans…

11/11/2025

New Episode! "Fed Rate Cut Reaction: Why Mortgage Rates Are Rising Instead of Falling"

Fed cuts rates, mortgage rates climb. If you’re wondering how that math works, you’re not alone. In this week’s episode, Mike Mills untangles the real connection between the Fed, mortgage-backed securities, and why housing af...

Fed cuts rates, mortgage rates climb. If you’re wondering how that math works, you’re not alone. In this week’s episode, Mike Mills untangles the real connection be…

11/04/2025

New Episode! "Solo vs Team Realtors: Finding Your Best Path in 2026"

Are you better off building your brand as a solo agent—or thriving within the structure of a team? With the 2026 housing market warming up and new tech reshaping real estate, this episode breaks down the Solo vs Team Realtors...

Are you better off building your brand as a solo agent—or thriving within the structure of a team? With the 2026 housing market warming up and new tech reshaping re…

10/23/2025

New Episode! "The Truth About Mortgage Rates and Debt in Today’s Housing Market"

Mortgage rates are haunted by a $37 trillion debt—and Realtors need to know why. In this week’s episode, Mike Mills breaks down how national debt, gold revaluation, and the Fed’s rate games shape today’s housing market. Disco...

Mortgage rates are haunted by a $37 trillion debt—and Realtors need to know why. In this week’s episode, Mike Mills breaks down how national debt, gold revaluation,…

09/30/2025

New Episode! "How Realtor Safety Technology Protects Agents During Showings"

40% of realtors fear for their safety. What if your smartphone became the most powerful agent panic button you already carry? Cathy Hickman, co-creator of SafeAgent, explains how realtor safety technology transformed after th...

40% of realtors fear for their safety. What if your smartphone became the most powerful agent panic button you already carry? Cathy Hickman, co-creator of SafeAgent…

09/23/2025

Ever had a seller ask, “So how much will I owe in taxes if I sell?” 🤔

Capital gains rules can be a mess — between IRS recapture, depreciation, and 1031 exchanges, most homeowners don’t know where to start.

That’s why I put together a simple Capital Gains Guide + Calculator designed for Realtors. It’s a quick way to look like the expert when these questions come up.

👉 Want a copy? Drop a 👍 in the comments or send me a message.