The Woodlands & Lake Conroe Mortgage Man - Mortgages for Residential, Custom Home & Investment

Mortgage and Lending - Henry J Daniels (936) 228-1944 - NMLS #209419
Candid comments and education to help today's home buyer or home owner make a sound decision today and in the future about their home financing options in today's rapidly changing market.
There are two types of Custom Home Construction Loans Available in the Houston Metro area. You've decided to build your own custom home because the cookie cutter tract homes that you've seen are just not what you and your family are looking for.   Now comes the part when you are looking for finan...
It's something that is more common than you may think with home sales.  The Buyer makes an offer, the seller accepts, real estate agents blast out on social media SOLD 123 Elm Street!  Then everyone starts packing.  Something comes along that feels like getting Checked from behind in a hockey gam...
New FHA Collections guidance that set new guidelines for dealing with collections, judgments & disputed credit accounts First a Few definitions are in order Automated Underwriting System (AUS) - This is where the loan is approved by any ofseveral automated loan risk systems from Fannie Mae, Fredd...
A home Construction loan otherwise known as an Interim home Construction Loan is an easy way to get the home of your dreams.  No more are you stuck in a cookie cutter tract home subdivision that has as much personality as a cardboard box.  Instead you can start with the blank sheet of paper and ...
Refinancing Your Home Mortgage in the Woodlands Texas... timing is everything Rates took a major tumble earlier this week.   Now you start seeing every day the sales pitches from the Mortgage Industry of "refinance now", "new lower rates can save you thousands" or even ones that say "If I could p...
In recent years tightening credit requirements have resulted in some not so obvious reasons for home loans being denied. The purpose of this blog is to help you plan so you can avoid these common pitfalls. As federal regulations have tightened they have resulted in new ways to get your loan deni...
Today the Federal Reserve Announced the beginning of the end for their Quanatative Easing or QE program  This Coupled with the increase of the G-Fee (Guarantee fee) increase of last week will definitely lead to some erosion in buying power. Now I've got your Attenion and before you want to go jum...
Texas Veterans get a break.  The Texas Veteran's Land Board (TVLB) Raised loan limits to $417,000 effective immediately. Austin - The Texas Veterans Land Board (TVLB) by unanimous vote approved an increase in the home loan limits from the current loan limits of $325,000 to $417,000.  As Texas Vet...
The name of New The Woodlands, Tx Franchise of Texas Collegiate Baseball Team is the the Woodlands Strykers. The name honors our Vets by using the Name of the the Stryker Armored Vehicle which was named after PFC Stuart S. Stryker and Specialist Robert F. Stryker who posthumously received the Med...
As noted in my previous post the HAP $10,000 Down payment assistance program ran out of money in late 2011. First the Good news the HTF- HAP $10,000 Texas Down payment assistance program is coming back within the next few weeks.  The not so good news is that TDHCA will only be allocating $1,000,0...

Henry J. Daniels - Sr Loan Officer Goldwater Bank N.A.

Construction, Conv, VA, FHA & USDA Home Mortgages
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