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mortgage

How Does a Mortgage Loan Officer Help You Buy Your Dream Home?

How Does a Mortgage Loan Officer Help You Buy Your Dream Home?

  • July 22, 2022
  • All, mortgage

When you apply for a mortgage working with a loan officer is optional, but it is a smart move. Loan officers are ready to assist clients from the time they decide to buy a property through the closing, and even after they have closed on their new home. Here are…continue reading

Getting A Mortgage As a Single Applicant Vs. As A Couple

Getting A Mortgage As a Single Applicant Vs. As A Couple

  • July 17, 2022
  • All, mortgage

You and your wife are ready to purchase your dream home and are in the process of applying for a mortgage. Now comes the difficult question, should you apply alone or with your spouse? Before you make this decision you must understand all your options and conduct any necessary background…continue reading

Private Mortgage Insurance: How It Can Save You Money

Private Mortgage Insurance: How It Can Save You Money

  • June 22, 2022
  • All, mortgage

Homeownership is a dream for many Americans, but saving money for a down payment might be difficult, especially if it is 20% of the buying price. It can be considerably easier with private mortgage insurance (PMI) which allows the buyer to buy a house with as little as a 3%…continue reading

5 Surprising Things That Can Affect Your Mortgage Interest Costs

5 Surprising Things That Can Affect Your Mortgage Interest Costs

  • November 16, 2021
  • mortgage, Uncategorized

When shopping around for a mortgage most borrowers will gravitate to a lender that offers the lowest interest rate and the best terms. A low mortgage rate means increased purchasing power and a lower monthly payment. But, how is your mortgage interest rate determined? Most first-time homebuyers might acknowledge the…continue reading

Things To Do Before You Apply For A Mortgage Pre-Approval

Things To Do Before You Apply For A Mortgage Pre-Approval

  • October 17, 2021
  • All, mortgage, Uncategorized

There are several processes that a buyer has to go through before obtaining a mortgage and the first big step is getting pre-approved. A mortgage pre-approval helps you understand how much home you can afford and is also advantageous during the home buying process. It demonstrates to sellers that you…continue reading

A Mortgage Closing Document That Homebuyers Need To Check Before Signing On The Dotted Line

A Mortgage Closing Document That Homebuyers Need To Check Before Signing On The Dotted Line

  • June 17, 2021
  • All, mortgage, Uncategorized

You have found a house and after due diligence and planning, you are finally on your way to become a homeowner. However, the most time-consuming part before you close is the tons of paperwork that you need to review and sign. One such document that you will receive if you…continue reading

Parts Of A Mortgage: Understanding The Loan Estimate

Parts Of A Mortgage: Understanding The Loan Estimate

  • June 11, 2021
  • All, mortgage, Uncategorized

If you are a first-time homebuyer you may be apprehensive about whether you could afford the mortgage payments or other costs associated with buying a home. Therefore, the more you know of the mortgage process the more prepared you will be to make the right decision. One important document that…continue reading

Should You Lock In or Float Your Mortgage Interest Rate?

Should You Lock In or Float Your Mortgage Interest Rate?

  • May 13, 2021
  • All, mortgage, Uncategorized

When you start your mortgage process, your lender or loan officer will want to know whether you want to “float” or “lock-in” your interest rate. It is important that you fully understand these terms before you pick one over the other. Your decision will determine what you pay each month…continue reading

What Are The Conforming Mortgage Loan Limits For 2021 And Why They Matter?

What Are The Conforming Mortgage Loan Limits For 2021 And Why They Matter?

  • February 2, 2021
  • All, mortgage, Uncategorized

The year 2020 had been unusual in almost every way and the most unpredictable was the increased demand in the housing market across the U.S. So, it is not surprising that the Federal Housing Finance Agency (FHFA) has increased the 2021 “conforming” loan limits. Let us take a look at…continue reading

Refinance And Loan Modification: Which Is The Best Mortgage Relief Option For You?

Refinance And Loan Modification: Which Is The Best Mortgage Relief Option For You?

  • January 28, 2021
  • All, mortgage, Uncategorized

A Survey by the Consumer Finances in 2019 revealed that about 30% of homeowners do not have assets of even a minimum of $14,000 to cover up for any drop in their income. Now with the COVID-19 pandemic and its undeniable impact on finances, many Americans are struggling to be…continue reading

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“consumers wishing to file a complaint against a company or a residential mortgage loan originator should complete and send a complaint form to the texas department of savings and mortgage lending, 2601 north lamar, suite 201, austin, texas 78705. complaint forms and instructions may be obtained from the department’s website at www.sml.texas.gov. a toll-free consumer hotline is available at 1-877-276-5550. the department maintains a recovery fund to make payments of certain actual out of pocket damages sustained by borrowers caused by acts of licensed residential mortgage loan originators. a written application for reimbursement from the recovery fund must be filed with and investigated by the department prior to the payment of a claim. for more information about the recovery fund, please consult the department’s website at www.sml.texas.gov.”

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