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How First Time Homeowners Can Boost Their Mortgage Borrowing Power

How First Time Homeowners Can Boost Their Mortgage Borrowing Power

  • February 17, 2022
  • All, Uncategorized

With home prices rising you may be wanting to know how you could secure a higher mortgage loan. After all, you may need one if the buying price exceeds your initial estimate or if you do not have enough money for a down payment. However, obtaining a larger mortgage is…continue reading

Buying Your First Home? Here Are 4 Perks of Putting A 20% Down Payment

Buying Your First Home? Here Are 4 Perks of Putting A 20% Down Payment

  • February 13, 2022
  • All, Uncategorized

If you are looking to buy a home this year, you are probably wondering how much you would need to put down. For those who are unable to put a 20% down, there are mortgage programs that only require a 3% to 5% down payment. But what if one has…continue reading

What Does The Term Ratified Mean In Real Estate Transactions?

What Does The Term Ratified Mean In Real Estate Transactions?

  • February 4, 2022
  • All, Uncategorized

Real estate is a discipline with its lingo, just like any other. But, for a layman, it is difficult to understand all the jargon. So when a Realtor says “Congratulations you have been ratified”, you may wonder what it means and politely answer, “Great, thanks so much!” In this article,…continue reading

5 Smart Ways You Can Use Your Tax Refund for Homeownership

5 Smart Ways You Can Use Your Tax Refund for Homeownership

  • January 31, 2022
  • All, Uncategorized

IRS Commissioner Chuck Rettig told the Senate Finance Committee in June, that the IRS has processed more than 137 million individual income tax returns and issued more than 101.2 million refunds totaling $281.4 billion. Roughly 70% of taxpayers received money back in 2021 with an average refund of $2,800. If…continue reading

How To Buy A New Home and Sell Your Current Home Simultaneously

How To Buy A New Home and Sell Your Current Home Simultaneously

  • January 24, 2022
  • Uncategorized

In an ideal scenario, the sale of your current home and purchase of a new one would occur simultaneously and both sets of documentation would be completed on the same day. However, this is an unusual occurrence. Most people must either buy first and sell second, risking having to pay…continue reading

Your Dream Home Is Appraised Lower than Your Offer Price: Options You Have

Your Dream Home Is Appraised Lower than Your Offer Price: Options You Have

  • January 12, 2022
  • All, Uncategorized

You made an offer on your dream home and the seller has accepted. Congratulations! You are moving forward towards closing. However, one most important step before you close on the deal is getting an appraisal on the property. It tells you and the lender how much the property is worth…continue reading

How a Job Change Can Derail The Home Buying Process

How a Job Change Can Derail The Home Buying Process

  • January 3, 2022
  • All, Uncategorized

When you apply for a mortgage you will probably receive titbits of advice about how you can improve your chances of getting approved such as getting a pre-approval or building up your credit history. However, the two other most important factors that can affect your eligibility are your employment and…continue reading

First Time Homebuyer Tax Incentives: All You Need to Know About Mortgage Credit Certificates

First Time Homebuyer Tax Incentives: All You Need to Know About Mortgage Credit Certificates

  • December 22, 2021
  • All, Uncategorized

The sheer complexity of buying your first home from the mortgage lending process to tax ramifications can lead to potential stress. But there is a silver lining. Not many people are aware that if their income falls below certain guidelines they may be eligible for a mortgage credit certificate (MCC).…continue reading

Retirement Planning: What to Consider Before You Pick a Home to Retire In

Retirement Planning: What to Consider Before You Pick a Home to Retire In

  • December 16, 2021
  • All, Uncategorized

Often when retirement is right around the corner, people decide to move to a new place. There are numerous motivations to relocate after retirement, including the desire to live closer to family or to simply explore and experience a section of the country one has always wanted to live in.…continue reading

5 Common Factors That Affect The Amount Of Property Tax You Pay

5 Common Factors That Affect The Amount Of Property Tax You Pay

  • December 12, 2021
  • All, Uncategorized

Property taxes are one of the continuous costs of owning a home. They are generally real estate taxes that your local government calculates depending on the assessed value of your home and the municipality or county's property tax rate. However, these taxes come with the caveat that they will fluctuate…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.”