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harris: Mortgage Rate Update Sugar Land, Katy, Houston, The Woodlands 05/30/12 - 05/30/12 10:42 AM
Here is your weekly interest rate update:
Conventional 30 year Mortgage: 3.75%
Credit score:740
LTV:80%
Loan Amount:$200k
APR: 4.3%
FHA 30 year:3.5%
Credit Score:640
LTV:96.5%
loan amount:$200k
APR:4.55%
Conventional 15 year:3.125%
Credit score:740
LTV:80%
Loan Amount:$200k
APR:3.55%
 
Call me today if you are thinking of refinancing or buying a home, for the best mortgage rate possible.

(0 comments)

harris: Mortgage Rate Update Sugar Land, Katy, Houston, The Woodlands 05/23/12 - 05/23/12 08:03 AM
Here is your weekly interest rate update:
Conventional 30 year Mortgage: 3.75%
Credit score:740
LTV:80%
Loan Amount:$200k
APR: 4.3%
FHA 30 year:3.5%
Credit Score:640
LTV:96.5%
loan amount:$200k
APR:4.55%
Conventional 15 year:3.125%
Credit score:740
LTV:80%
Loan Amount:$200k
APR:3.55%
 
Call me today if you are thinking of refinancing or buying a home, for the best mortgage rate possible.

(0 comments)

harris: Mortgage Rate Update Sugar Land, Katy, Houston, The Woodlands 05/16/12 - 05/16/12 11:26 AM
Here is your weekly interest rate update:
Conventional 30 year Mortgage: 3.875%
Credit score:740
LTV:80%
Loan Amount:$200k
APR: 4.3%
FHA 30 year:3.5%
Credit Score:640
LTV:96.5%
loan amount:$200k
APR:4.55%
Conventional 15 year:3.125%
Credit score:740
LTV:80%
Loan Amount:$200k
APR:3.55%
 
Call me today if you are thinking of refinancing or buying a home, for the best mortgage rate possible.

(2 comments)

harris: Your Weekly Mortgage Rate Update For Sugar Land, Katy, Houston, Pearland, The Woodlands, Conroe or anywhere in Texas. 05/2/12 - 05/02/12 07:49 AM
Here is your weekly interest rate update:
Conventional 30 year Mortgage: 3.875%
Credit score:740
LTV:80%
Loan Amount:$200k
APR: 4.3%
FHA 30 year:3.75%
Credit Score:640
LTV:96.5%
loan amount:$200k
APR:4.85%
Conventional 15 year:3.25%
Credit score:740
LTV:80%
Loan Amount:$200k
APR:3.65%
 
Call me today if you are thinking of refinancing or buying a home, for the best mortgage rate possible.

(0 comments)

harris: Your Weekly Mortgage Rate Update For Sugar Land, Katy, Houston, Pearland, The Woodlands, Conroe or anywhere in Texas. 04/18/12 - 04/18/12 07:50 AM
Here is your weekly interest rate update:
Conventional 30 year Mortgage: 3.875%
Credit score:740
LTV:80%
Loan Amount:$200k
APR: 4.3%
FHA 30 year:3.75%
Credit Score:640
LTV:96.5%
loan amount:$200k
APR:4.85%
Conventional 15 year:3.25%
Credit score:740
LTV:80%
Loan Amount:$200k
APR:3.65%
 
Call me today if you are thinking of refinancing or buying a home, for the best mortgage rate possible.

(2 comments)

harris: Your Weekly Mortgage Rate Update For Sugar Land, Katy, Houston, Pearland, The Woodlands, Conroe or anywhere in Texas. 4/11/12 - 04/11/12 07:40 AM
Here is your weekly interest rate update:
Conventional 30 year Mortgage: 4%
Credit score:740
LTV:80%
Loan Amount:$200k
APR: 4.3%
FHA 30 year:3.75%
Credit Score:640
LTV:96.5%
loan amount:$200k
APR:4.85%
Conventional 15 year:3.25%
Credit score:740
LTV:80%
Loan Amount:$200k
APR:3.65%
 
Call me today if you are thinking of refinancing or buying a home, for the best mortgage rate possible.

(0 comments)

harris: The $100 Down Payment Program for HUD Foreclosures has changed, please read - 04/05/12 12:16 PM
HUD has recently changed their rules when purchasing one of their foreclosures.  Now the loan amount can not be higher than HUD’s appraisal value.  What does this mean:
1.      On the $100 down payment program the home must be bought for the list price or more,  the list price is often the appraisal value. But on FHA loans the Upfront Mortgage Insurance fee of 1.75% is roll into the loan, increasing the loan amount by 1.75%.  Meaning the buyer would need to bring the difference of the appraisal value and reduced loan amount.  On a normal fha loan without the $100 down payment … (4 comments)

harris: Need Some Help with Repairs and Improvements, Try a FHA 203k Loan - 04/03/12 09:21 AM
FHA 203k loans are an awesome option when needing to do repairs or improvements to your primary home you are buying or already own.  In short if the after improved home value will be worth the cost of the home and repairs, you can finance in the repairs.  Here is a short list of things to know for FHA 203k Loans:
·         It is an FHA loan, so you still get the great benefits of a FHA loan including:3.5% down payment, low rates, and credit scores down to 580
·         Max amount of repairs that can be financed in is $35,000(before … (2 comments)

harris: Your Weekly Mortgage Rate Update For Sugar Land, Katy, Houston, Pearland, The Woodlands, Conroe or anywhere in Texas. 3/28/12 - 03/28/12 08:01 AM
Here is your weekly interest rate update:
Conventional 30 year Mortgage: 4%
Credit score:740
LTV:80%
Loan Amount:$200k
APR: 4.315%
FHA 30 year:3.75%
Credit Score:640
LTV:96.5%
loan amount:$200k
APR:4.85%
Conventional 15 year:3.375%
Credit score:740
LTV:80%
Loan Amount:$200k
APR:3.75%
 
Call me today if you are thinking of refinancing or buying a home, for the best mortgage rate possible.

(0 comments)

harris: Your Weekly Mortgage Rate Update For Sugar Land, Katy, Houston, Pearland, The Woodlands, Conroe or anywhere in Texas. 3/21/12 - 03/21/12 08:11 AM
Here is your weekly interest rate update:
Conventional 30 year Mortgage: 4.125%
Credit score:740
LTV:80%
Loan Amount:$200k
APR: 4.315%
FHA 30 year:3.75%
Credit Score:640
LTV:96.5%
loan amount:$200k
APR:4.85%
Conventional 15 year:3.375%
Credit score:740
LTV:80%
Loan Amount:$200k
APR:3.75%
 
Call me today if you are thinking of refinancing or buying a home, for the best mortgage rate possible.

(0 comments)

harris: Congratulations, You May Now Check The Bride's Credit. It Could Affect You Getting A Mortgage - 03/20/12 02:25 PM
Getting married is an amazing time for a couple.  But in regards to getting married it can affect your ability to get a mortgage.  I am about to go over how your spouse’s credit can affect your FHA mortgage.   Here are the top 4 ways it will affect you getting a mortgage:
1.      Credit Score- When applying for a FHA mortgage your lender will pull both of your credit scores.  And if it does meet the min credit score needed than that person can not be on the loan.  This will affect your ability to buy a home since we can also not … (4 comments)

harris: FHA Loans are Changing Soon, April 1st and April 9th - 03/17/12 04:48 PM
There are 3 major changes that are going to be going go into effect very soon for FHA loans.  FHA loans are known for being very helpful for homebuyers.  They offer lower than market rates, low down payment of 3.5% and allow the seller to pay more of the buyers closing costs than conventional loans.   Here are the 3 Major changes you need to know:
 
1.      Monthly Mortgage Insurance is increasing.  For all FHA loans on and after April 9th.   The mortgage insurance is increasing by .10 and here is a quick explanation of the change:
     30yr Mortgage(20 yr, … (3 comments)

harris: I'll Take HUD Homes For $100, Alex - 03/16/12 06:53 AM
This is an extremely well written article explaining HUD homes.  Do not forget HUD homes also qualify for a $100 down payment.  Please call or email me with any questions.  www.DaveYourMortgageGuy.com. 
Via Angie Nwanodi | The ACG Group, Realtors® | Southern Cal HUD & REO Specialists (Evergreen Realty & Associates, Inc.):
What is a HUD Home?  I can hear your thoughts already: 'DUH ... It's a home owned by HUD!'  True enough, but are you confident you know enough about them to make it a daily double?
Yes, HUD Homes are owned by HUD, but who is HUD anyway? And what characteristics … (0 comments)

harris: Your Weekly Mortgage Rate Update For Sugar Land, Katy, Houston, Pearland, The Woodlands, Conroe or anywhere in Texas. 2/29/12 - 02/29/12 09:14 AM
Here is your weekly interest rate update:
Conventional 30 year Mortgage: 3.875%
Credit score:740
LTV:80%
Loan Amount:$200k
APR: 4.25%
FHA 30 year:3.75%
Credit Score:640
LTV:96.5%
loan amount:$200k
APR:4.85%
Conventional 15 year:3.25%
Credit score:740
LTV:80%
Loan Amount:$200k
APR:3.65%
 
Call me today if you are thinking of refinancing or buying a home, for the best mortgage rate possible.

(0 comments)

harris: How do I Find a FHA Approved Condo for My Homebuyer? - 02/20/12 09:51 AM
As you know condo financing has become much much much harder!  But what do you do if you are working with a homebuyer who is FHA approved and wants to buy a condo.   You can not rely on the listing agent’s comments on if it is approved for FHA financing, since some times they are wrong or their information is out of date.  And you can’t drive all over the city hoping to find a condo your client likes and cross your fingers it is FHA approved.  So here are the 3 quick steps to find FHA approved condos for your … (2 comments)

harris: Your Weekly Mortgage Rate Update For Sugar Land, Katy, Houston, Pearland, The Woodlands, Conroe or anywhere in Texas. 2/8/2012 - 02/08/12 10:13 AM
Here is your weekly interest rate update:
Conventional 30 year Mortgage: 3.875%
Credit score:740
LTV:80%
Loan Amount:$200k
APR: 4.25%
FHA 30 year:3.625%
Credit Score:640
LTV:96.5%
loan amount:$200k
APR:4.85%
Conventional 15 year:3.25%
Credit score:740
LTV:80%
Loan Amount:$200k
APR:3.65%
 
Call me today if you are thinking of refinancing or buying a home, for the best mortgage rate possible.

(0 comments)

harris: Military Discounts for Active, Reserve, and Retired Vets - 02/06/12 02:40 PM
If you are currently in the Military or Retired Military this is fantastic news.  Anita Clark has put together a List of possible discounts that you can qualify for .   www.DaveYourMortgageGuy.com
Via Anita Clark Realtor® Warner Robins Homes for Sale ~ Warner Robins Real Estate ~ (ColdwellBanker SSK Realtors ~ 478.960.8055 ):
Military Discounts for Active, Reserve, and Retired Vets
Please forward to all active duty, reservists, and retired US military personnel you know…Discounts galore at over 200+ stores for vets and their immediate family members.
Remember to ALWAYS show your military or retired ID.  Happy shopping...You deserve it!
Verify with the store/organization that … (3 comments)

harris: Does the $8000 Homebuyer Tax Credit Need To Be Repaid If I Sell My House in Texas? - 02/06/12 12:21 PM
I actually get this question alot and wanted to pass along the great explanation that Keith has written.  This is important information if you took advantage of the $8000 home buyer credit.  www.DaveYourMortgageGuy.com
Via Keith Landis - Pennsylvania Mortgages (NMLS#137243 Keystone Home Finance, Pittsburgh PA):
The $8000 tax credit that expired last June placed a lot of new homebuyers in their very first house.  Most of these first time buyers probably planned on owning these homes for years and years to come. 
We all know that sometimes life gets in the way of even the best laid plans.  Unexpected life events such as a job … (0 comments)

harris: Your Weekly Mortgage Rate Update For Sugar Land, Katy, Houston, Pearland, The Woodlands, Conroe or anywhere in Texas. 2/1/12 - 02/01/12 10:17 AM
Here is your weekly interest rate update:
Conventional 30 year Mortgage: 3.875%
Credit score:740
LTV:80%
Loan Amount:$200k
APR: 4.25%
FHA 30 year:3.75%
Credit Score:640
LTV:96.5%
loan amount:$200k
APR:4.85%
Conventional 15 year:3.125%
Credit score:740
LTV:80%
Loan Amount:$200k
APR:3.5%
 
Call me today if you are thinking of refinancing or buying a home, for the best mortgage rate possible.

(0 comments)

harris: Your Weekly Mortgage Rate Update For Sugar Land, Katy, Houston, Pearland, The Woodlands, Conroe or anywhere in Texas. 1/25/2012 - 01/25/12 10:10 AM
Here is your weekly interest rate update:
Conventional 30 year Mortgage: 4%
Credit score:740
LTV:80%
Loan Amount:$200k
APR: 4.375%
FHA 30 year:3.75%
Credit Score:640
LTV:96.5%
loan amount:$200k
APR:4.85%
Conventional 15 year:3.375%
Credit score:740
LTV:80%
Loan Amount:$200k
APR:3.70%
 
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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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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