Whether you're buying, selling, refinancing, or building your dream home, you have a lot riding on your loan specialist. Since market conditions and mortgage programs change frequently, you need to make sure you're dealing with a top professional who is able to give you quick and accurate financial advice. I have the expertise and knowledge you need to explore the many financing options available.
Ensuring that you make the right choice for you and your family is my ultimate goal. And I am committed to providing my customers with mortgage services that exceed their expectations. I hope you'll browse my website, check out the different loan programs I have available, use my decision-making tools and calculators, and apply for a loan in just four easy steps with the short form Application.
After you've applied, I'll call you to discuss the details of your loan, or you may choose to set up an appointment with me using my online form. As always, you may contact me anytime by phone, fax or email for personalized service and expert advice.
As a dedicated mortgage loan officer, I pride myself on being well-informed and highly competent in helping clients navigate the complexities of securing the right loan for their needs. With a focus on providing personalized service, I strive to build strong relationships based on trust and understanding. My primary goal is to help you achieve your homeownership dreams, whether you're a first-time buyer or looking to refinance an existing mortgage. I believe that every client deserves tailored solutions, and I am committed to finding the best loan options available.
In Houston, the vibrant energy of the city creates an ideal environment for homebuyers and investors alike. With its diverse neighborhoods and booming job market, Houston offers an array of options for those looking to purchase a home or invest in real estate. As a mortgage loan officer, I can guide you through the various mortgage products available, including FHA Loans, VA Loans, and Jumbo Loans. With access to low mortgage rates, we can find a financing solution that fits your budget and lifestyle. The Houston housing market is constantly evolving, and I make it a priority to stay updated on the latest trends and options to ensure my clients receive the best advice possible.
Dallas is another dynamic city where I have the pleasure of serving clients in their mortgage needs. Known for its rich cultural scene and strong economic growth, Dallas is an attractive location for both families and professionals. With a range of mortgage options, from conventional loans to more specialized products like Non-QM Loans, I work diligently to match clients with the right solutions. The potential for low mortgage rates in Dallas is an added benefit, making homeownership more accessible. Whether you're looking to buy a new home, invest in real estate, or refinance an existing loan, I am here to help streamline the process and make your experience as smooth as possible.
Austin, with its unique blend of music, culture, and innovation, is a city that attracts a diverse population. As a mortgage loan officer serving this vibrant community, I understand the importance of finding the right financing solution tailored to individual needs. Austins real estate market can be competitive, but with my expertise in various loan programs such as FHA Streamline, VA Streamline, and Down Payment Assistance, I can help you find a path to homeownership. The availability of low mortgage rates in Austin further increases the opportunities for buyers, and I am dedicated to ensuring that my clients can take advantage of these favorable conditions.
In each of these citiesâHouston, Dallas, and AustinâI am committed to providing exceptional service and support throughout the mortgage process. My experience and knowledge of the local markets allow me to offer insights that empower my clients to make informed decisions. Whether you are a first-time homebuyer, a seasoned investor, or looking to refinance, I am here to create a customized experience that meets your specific needs. Together, we can explore the array of loan options and programs available, helping you achieve your financial goals with confidence.
Ultimately, my passion for helping clients find the right mortgage solutions drives my work every day. By prioritizing communication and transparency, I aim to make the mortgage process less daunting and more approachable. I believe in building lasting relationships with my clients, and I am proud to be part of their journey toward homeownership. With a wealth of resources at my disposal and a commitment to keeping you informed, I look forward to assisting you in navigating the exciting world of mortgages in Houston, Dallas, and Austin.
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A conventional loan is a type of loan that doesn't have government backing or insurance, unlike FHA, VA, and USDA loans, which are insured by the government. Conventional mortgage loans, whether conforming or non-conforming, usually require a slightly larger down payment than some government loans. However, conventional loans offer more flexibility and fewer restrictions for borrowers, especially those borrowers with good credit and steady income.
Your credit payment history is recorded in a file or report. These files or reports are maintained and sold by "consumer reporting agencies" (CRAs). One type of CRA is commonly known as a credit bureau. You have a credit record on file at a credit bureau if you have ever applied for a credit or charge account, a personal loan, insurance, or a job. Your credit record contains information about your income, debts, and credit payment history. It also indicates whether you have been sued, arrested, or have filed for bankruptcy.
On a conventional mortgage, when your down payment is less than 20% of the purchase price of the home mortgage lenders usually require you get Private Mortgage Insurance (PMI) to protect them in case you default on your mortgage. Sometimes you may need to pay up to 1-year's worth of PMI premiums at closing which can cost several hundred dollars. The best way to avoid this extra expense is to make a 20% down payment, or ask about other loan program options.
It's generally a good time to refinance when mortgage rates are 2% lower than the current rate on your loan. It may be a viable option even if the interest rate difference is only 1% or less. Any reduction can trim your monthly mortgage payments. Example: Your payment, excluding taxes and insurance, would be about $770 on a $100,000 loan at 8.5%; if the rate were lowered to 7.5%, your payment would then be $700, now you're saving $70 per month. Your savings depends on your income, budget, loan amount, and interest rate changes. Your trusted lender can help you calculate your options.
An Appraisal is an estimate of a property's fair market value. It's a document generally required (depending on the loan program) by a lender before loan approval to ensure that the mortgage loan amount is not more than the value of the property. The Appraisal is performed by an "Appraiser" typically a state-licensed professional who is trained to render expert opinions concerning property values, its location, amenities, and physical conditions.
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BAR NONE MORTGAGE | NMLS: 2408515