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Discover insights and tips on home loans, refinancing, and more to secure the best mortgage rates in Texas.

Texas mortgage lenders

The Role Of Loan Specialists In Your Home Buying Team

Embarking on the journey to homeownership is a significant milestone, and assembling the right home buying team is crucial for a successful experience. At the forefront of this team are loan specialists, individuals with expertise in navigating the complex landscape

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The Ins And Outs Of USDA Loans In Texas

The Ins And Outs Of USDA Loans In Texas

In the vast landscape of home financing options, USDA loans stand out as a powerful tool for prospective homebuyers, particularly in the unique terrain of Texas. This blog aims to be your guide through the intricacies of USDA loans in

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Close-up of hands holding various U.S. dollar bills, representing the financial benefit of a Texas cash-out refinance.

When Does A Cash-Out Refinance Make Sense In Texas?

Understanding the intricacies of a cash-out refinance is crucial, especially in the unique landscape of Texas real estate. In this blog, we’ll delve into the fundamentals of cash-out refinancing and explore the specific situations in which it makes sense for

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Texas Foreclosure Laws and Procedures

What are the Texas Foreclosure Laws?

Texas foreclosure laws grant borrowers rights during the foreclosure process. Here are the lists of Texas foreclosure laws: the right to receive notice of default and acceleration the right to cure the default the right to stop the foreclosure sale.

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How much is the VA funding fee?

How Much is the VA Funding Fee?

The VA Funding Fee is approximately 2.3% for first-time use of their entitlement and 3.6% for subsequent use (if applicable). These percentages can vary depending on factors such as cash out refinance loans, loan type, length of service, down payment

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Mortgage-backed security vs Jumbo mortgage

Mortgage-Backed Security vs Jumbo Mortgage

How does a Mortgage-backed security compare to Jumbo mortgage? Loans with a total greater than the existing Freddie Mac and Fannie Mae conforming loan limit are referred to as mortgage-backed securities (MBS) these are also considered Jumbo Loans in Texas.

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Who can apply for a Section 502 Loan?

Who can apply for a Section 502 Loan?

The following criteria must be met to apply for a Section 502 Loan: Borrowers must be without access to decent, safe, and sanitary housing Borrowers must fall  within the appropriate low-income limit for the region Borrowers must be unable to borrow

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Surviving Spouses VA Loans

Can Surviving Spouses Get VA Loans?

Yes, Surviving Spouses can get a Veteran Affair Loan. A Veterans Affairs Loan is a mortgage loan that can be obtained through the Department of Veterans Affairs (VA) of the United States (previously the Veterans Administration). Veterans, active-duty personnel, and

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National Guard Members Eligible For A VA Loan

Are the National Guard Eligible for a VA Loan?

Yes, some VA benefits are available to National Guard members and all Reserve personnel who were released or discharged under circumstances other than dishonor. Your eligibility for a particular benefit may depend on how long you served, how dedicated you

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Debt-to-income ratio

Debt-to-Income Ratio

Debt-to-income ratio meaning The debt-to-income (DTI) ratio compares the amount of debt you have compared to your income and provides insight into one’s financial health. Understanding your debt-to-income ratio is essential for individuals seeking their mortgage loans. Below we will

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