We dedicate 100% of our time and energy delivering first class service to you, our customer.
Our philosophy about the mortgage business is simple. We put ourselves in your shoes, treat you like family and treat your money like it was our money.
Good Morning! If you have an FHA loan that means your mortgage insurance is permanent. It will always be part of your payment. If you feel you have a 20% equity position or better in your property – it’s a good time to refinance into a Conventional loan to get rid of your FHA MI.…
One of the most important things you will have to do when you apply for a loan is to show that you have the money for the down payment. This is called sourcing in the mortgage industry. You can have this money in your checking account or savings account now. You can borrow it from…
I wanted to let you know we have a 2% to 5% downpayment and closing cost assistance program called “Homes for Texas Heroes”. If you are in one of the following professions you may qualify for this purchase program: Professional Educators, Which Includes The Following Full-Time Positions In A Public School District: School Teachers, Teacher…
If you want to acquire rental properties, but you are having issues proving your income – here’s one tool you can use… It’s called a Debt Service Coverage loan. We take the estimated amount the property would rent for, and as long as that number covers the mortgage payment – you are ok income wise.…
Do you need cash out of your home, but you don’t want to refinance the low interest rate first mortgage currently on your home? We have a solution… We can use a HELOC. This is a second mortgage in the form of a line of credit you can draw on as needed. Very easy…
In the mortgage world there are rules we have to follow. Such as, rules about how long a person has to work to get a mortgage. Guidelines to get a conventional mortgage say you need at least two years of work history. However, sometimes it’s possible to get a conventional loan with less than two…
Do you have investment property, and would like to pull cash out of your property? However, for some reason you can’t provide income documentation to your lender to get a cash out loan. We have solutions! We have loan programs that will allow you to pull cash out of rental property with no income documentation…
If you have credit card debt it’s a good time to consider a consolidation loan. If you have $20,000 in credit card debt your monthly payment on that could be between $400 and $800, depending on the minimum payment your credit card company requires. That same $20,000 as part of a mortgage payment would only…
If you are thinking about buying a house, but you aren’t really sure if it’s the right move for you – I have something you might be interested in. MGIC came out with this Buy Vs Wait Calculator. It helps give you information on whether you should go ahead and buy now or wait. This…
Here is a breakdown of the maximum seller help amounts by loan program… Program: Conventional (fannie/freddie), owner occupied… 1) 25% or more down payment = 9% allowed seller contribution. 2) Less than 25% down and up to 10% down payment = 6% allowed seller contribution. 3) Less than 10% down payment = 3% allowed seller…