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fha: When Buying a HUD Foreclosure Make sure to Know HUD’s Appraisal Value - 06/14/13 06:21 AM
When you are looking to buy a HUD Foreclosure, there is one major thing you need to know…….. The value of the appraisal that HUD did on the home. Here is why, when buying a HUD foreclosure with a FHA loan you must use the appraisal that HUD has done. Seems like a weird rule, but it is true. Here are some specific rules to remember:
1. HUD does an appraisal before listing a home. So many times the list price is the appraisal value.
2. The HUD appraisal must be within 6mths
3. The appraisal value or contract sales … (2 comments)
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fha: Mortgage Rate Update Sugar Land, Katy, Houston, The Woodlands 06/12/13 - 06/12/13 08:17 AM
Conventional 30 year Mortgage: 4.125%
Credit score:740
LTV:80%
Loan Amount:$200k
APR: 4.45%
FHA 30 year:3.625%
Credit Score:640
LTV:96.5%
loan amount:$200k
APR:4.77%
Conventional 15 year:3.25%
Credit score:740
LTV:80%
Loan Amount:$200k
APR:3.43%
Rates are Subject to Change
Call me today if you are thinking of refinancing or buying a home, for the best mortgage rate possible.
… (1 comments)
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fha: Mortgage Rate Update Sugar Land, Katy, Houston, The Woodlands 06/5/13 - 06/05/13 09:42 AM
Conventional 30 year Mortgage: 4.125%
Credit score:740
LTV:80%
Loan Amount:$200k
APR: 4.45%
FHA 30 year:3.75%
Credit Score:640
LTV:96.5%
loan amount:$200k
APR:4.87%
Conventional 15 year:3.25%
Credit score:740
LTV:80%
Loan Amount:$200k
APR:3.43%
Rates are Subject to Change
Call me today if you are thinking of refinancing or buying a home, for the best mortgage rate possible.
… (0 comments)
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fha: Dave Your Mortgage Guy.com Testimonial- Antonio and Joyce - 06/03/13 02:05 PM
Me and my wife are thankful to David, he is really "the mortgage guy". An expert, I would say! We've been living in USA for about one year, holding work Visas, and before we find David... we heard at least 3 "sorry, but you can't get a loan". As David says in his website, it's amazing how most of lenders don't know how to act facing a situation like ours. So, after find David, since our first contact, he was very professional, dynamic, smart, giving us fast replies, feedbacks... he was able to register our FHA case before some recent changes, … (0 comments)
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fha: Mortgage Rate Update Sugar Land, Katy, Houston, The Woodlands 05/29/13 - 05/29/13 08:04 AM
Conventional 30 year Mortgage: 4%
Credit score:740
LTV:80%
Loan Amount:$200k
APR: 4.35%
FHA 30 year:3.75%
Credit Score:640
LTV:96.5%
loan amount:$200k
APR:4.87%
Conventional 15 year:3.25%
Credit score:740
LTV:80%
Loan Amount:$200k
APR:3.43%
Rates are Subject to Change
Call me today if you are thinking of refinancing or buying a home, for the best mortgage rate possible.
… (0 comments)
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fha: Mortgage Rate Update Sugar Land, Katy, Houston, The Woodlands 05/22/13 - 05/22/13 08:25 AM
Conventional 30 year Mortgage: 3.75%
Credit score:740
LTV:80%
Loan Amount:$200k
APR: 4.1%
FHA 30 year:3.25%
Credit Score:640
LTV:96.5%
loan amount:$200k
APR:4.27%
Conventional 15 year:2.875%
Credit score:740
LTV:80%
Loan Amount:$200k
APR:2.98%
Rates are Subject to Change
Call me today if you are thinking of refinancing or buying a home, for the best mortgage rate possible.
… (1 comments)
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fha: Mortgage Rate Update Sugar Land, Katy, Houston, The Woodlands 05/1/13 - 05/01/13 06:32 AM
Conventional 30 year Mortgage: 3.5%
Credit score:740
LTV:80%
Loan Amount:$200k
APR: 3.89%
FHA 30 year:3.25%
Credit Score:640
LTV:96.5%
loan amount:$200k
APR:4.27%
Conventional 15 year:2.625%
Credit score:740
LTV:80%
Loan Amount:$200k
APR:2.79%
Rates are Subject to Change
Call me today if you are thinking of refinancing or buying a home, for the best mortgage rate possible.
… (0 comments)
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fha: Mortgage Rate Update Sugar Land, Katy, Houston, The Woodlands 04/24/13 - 04/24/13 08:40 AM
Conventional 30 year Mortgage: 3.5%
Credit score:740
LTV:80%
Loan Amount:$200k
APR: 3.89%
FHA 30 year:3.25%
Credit Score:640
LTV:96.5%
loan amount:$200k
APR:4.27%
Conventional 15 year:2.75%
Credit score:740
LTV:80%
Loan Amount:$200k
APR:2.89%
Rates are Subject to Change
Call me today if you are thinking of refinancing or buying a home, for the best mortgage rate possible.
… (1 comments)
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fha: Mortgage Rate Update Sugar Land, Katy, Houston, The Woodlands 04/17/13 - 04/17/13 08:22 AM
Conventional 30 year Mortgage: 3.5%
Credit score:740
LTV:80%
Loan Amount:$200k
APR: 3.89%
FHA 30 year:3.25%
Credit Score:640
LTV:96.5%
loan amount:$200k
APR:4.27%
Conventional 15 year:2.75%
Credit score:740
LTV:80%
Loan Amount:$200k
APR:2.89%
Rates are Subject to Change
Call me today if you are thinking of refinancing or buying a home, for the best mortgage rate possible.
… (1 comments)
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fha: Mortgage Rate Update Sugar Land, Katy, Houston, The Woodlands 04/10/13 - 04/10/13 08:17 AM
Conventional 30 year Mortgage: 3.625%
Credit score:740
LTV:80%
Loan Amount:$200k
APR: 4.1%
FHA 30 year:3.25%
Credit Score:640
LTV:96.5%
loan amount:$200k
APR:4.27%
Conventional 15 year:2.875%
Credit score:740
LTV:80%
Loan Amount:$200k
APR:3.11%
Rates are Subject to Change
Call me today if you are thinking of refinancing or buying a home, for the best mortgage rate possible.
… (1 comments)
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fha: Mortgage Rate Update Sugar Land, Katy, Houston, The Woodlands 04/2/13 - 04/03/13 09:43 AM
Conventional 30 year Mortgage: 3.625%
Credit score:740
LTV:80%
Loan Amount:$200k
APR: 4.1%
FHA 30 year:3.25%
Credit Score:640
LTV:96.5%
loan amount:$200k
APR:4.27%
Conventional 15 year:3%
Credit score:740
LTV:80%
Loan Amount:$200k
APR:3.21%
Rates are Subject to Change
Call me today if you are thinking of refinancing or buying a home, for the best mortgage rate possible.
… (0 comments)
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fha: Mortgage Rate Update Sugar Land, Katy, Houston, The Woodlands 03/27/13 - 03/27/13 01:43 PM
Conventional 30 year Mortgage: 3.625%
Credit score:740
LTV:80%
Loan Amount:$200k
APR: 4.1%
FHA 30 year:3.25%
Credit Score:640
LTV:96.5%
loan amount:$200k
APR:4.27%
Conventional 15 year:2.875%
Credit score:740
LTV:80%
Loan Amount:$200k
APR:3.21%
Rates are Subject to Change
Call me today if you are thinking of refinancing or buying a home, for the best mortgage rate possible.
… (0 comments)
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fha: Mortgage Rate Update Sugar Land, Katy, Houston, The Woodlands 03/20/13 - 03/20/13 07:44 AM
Conventional 30 year Mortgage: 3.75%
Credit score:740
LTV:80%
Loan Amount:$200k
APR: 4.1%
FHA 30 year:3.25%
Credit Score:640
LTV:96.5%
loan amount:$200k
APR:4.27%
Conventional 15 year:2.875%
Credit score:740
LTV:80%
Loan Amount:$200k
APR:3.21%
Rates are Subject to Change
Call me today if you are thinking of refinancing or buying a home, for the best mortgage rate possible.
… (3 comments)
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fha: Graduate from Renter to Buyer Despite Student Loans - 03/19/13 08:17 AM
This is the original article “Graduate from Renter to Buyer Despite Student Loans”. It is a great article that gives some insight to student loans and how they can affect your mortgage. And check out that Dave Your Mortgage Guy was quoted in the article.
Graduate from renter to buyer despite student loans
Debt is always a factor in whether you can qualify for a home loan. But whether student loans, in particular, present any special concerns is a matter of opinion.
An August 2012 study, "Denied? The Impact of Student Debt on the Ability to Buy a House," found … (0 comments)
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fha: Mortgage Rate Update Sugar Land, Katy, Houston, The Woodlands 03/13/13 - 03/13/13 08:16 AM
Conventional 30 year Mortgage: 3.75%
Credit score:740
LTV:80%
Loan Amount:$200k
APR: 4.1%
FHA 30 year:3.25%
Credit Score:640
LTV:96.5%
loan amount:$200k
APR:4.27%
Conventional 15 year:3%
Credit score:740
LTV:80%
Loan Amount:$200k
APR:3.31%
Rates are Subject to Change
Call me today if you are thinking of refinancing or buying a home, for the best mortgage rate possible.
… (0 comments)
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fha: Mortgage Rate Update Sugar Land, Katy, Houston, The Woodlands 03/6/13 - 03/06/13 09:38 AM
Conventional 30 year Mortgage: 3.625%
Credit score:740
LTV:80%
Loan Amount:$200k
APR: 3.98%
FHA 30 year:3.25%
Credit Score:640
LTV:96.5%
loan amount:$200k
APR:4.27%
Conventional 15 year:2.875%
Credit score:740
LTV:80%
Loan Amount:$200k
APR:3.21%
Rates are Subject to Change
Call me today if you are thinking of refinancing or buying a home, for the best mortgage rate possible.
… (0 comments)
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fha: Mortgage Rate Update Sugar Land, Katy, Houston, The Woodlands 02/27/13 - 02/27/13 07:59 AM
Conventional 30 year Mortgage: 3.625%
Credit score:740
LTV:80%
Loan Amount:$200k
APR: 4.21%
FHA 30 year:3.25%
Credit Score:640
LTV:96.5%
loan amount:$200k
APR:4.08%
Conventional 15 year:2.875%
Credit score:740
LTV:80%
Loan Amount:$200k
APR:3.31%
Rates are Subject to Change
Call me today if you are thinking of refinancing or buying a home, for the best mortgage rate possible.
… (1 comments)
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fha: Mortgage Rate Update Sugar Land, Katy, Houston, The Woodlands 02/20/13 - 02/20/13 08:06 AM
Conventional 30 year Mortgage: 3.75%
Credit score:740
LTV:80%
Loan Amount:$200k
APR: 4.11%
FHA 30 year:3.25%
Credit Score:640
LTV:96.5%
loan amount:$200k
APR:4.08%
Conventional 15 year:2.875%
Credit score:740
LTV:80%
Loan Amount:$200k
APR:3.31%
Rates are Subject to Change
Call me today if you are thinking of refinancing or buying a home, for the best mortgage rate possible.
… (0 comments)
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fha: Mortgage Rate Update Sugar Land, Katy, Houston, The Woodlands 02/13/13 - 02/13/13 08:06 AM
Conventional 30 year Mortgage: 3.75%
Credit score:740
LTV:80%
Loan Amount:$200k
APR: 4.11%
FHA 30 year:3.25%
Credit Score:640
LTV:96.5%
loan amount:$200k
APR:4.08%
Conventional 15 year:2.875%
Credit score:740
LTV:80%
Loan Amount:$200k
APR:3.31%
Rates are Subject to Change
Call me today if you are thinking of refinancing or buying a home, for the best mortgage rate possible.
… (0 comments)
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fha: FHA Monthly MI Will NOT Go Away for Loans Started on or after 6/3/13 - 02/08/13 05:40 AM
HUD has just come out with two minor changes to the Monthly Mortgage Insurance on FHA loans. And they go into effect April 1st, 2013 and June 3rd, 2013. Here are the changes and an explanation of them.
Monthly Mortgage Insurance Amount
On all FHA loans with case numbers ordered on or after April 1st 2013, the monthly mortgage insurance will increase .10, for loan amounts under $625,000. Keep in mind in the Houston Texas Area the max FHA loan amount is $272,550. As an example, on a loan amount of $270,000 this would be a monthly payment increase of … (0 comments)
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David Krichmar- DaveYourMortgageguy.com
Sugar Land,
TX
More about me…
www.DaveYourMortgageGuy.com, FHA, VA, USDA, HomePath, Jumbo
Address: Serving Harris, Fort Bend, Montgomery, Brazoria County, Houston, Katy, Sugar Land, Pearland, The Woodlands or anywhere in Texas!
Office Phone: (832) 689-6012
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