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montgomery: 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)
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montgomery: 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)
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montgomery: DaveYourMortgageGuy.com has been Voted the #1 Mortgage Company in Houston, Texas. 2011 - 01/02/12 03:53 PM
For the 2nd year in a row www.DaveYourMortgageGuy.com has been voted the #1 Mortgage Company in Houston Texas, by Tops in Texas. And this was with over 93% of the votes. I would like to thank everyone who voted for me this year. And for their support. To see the results please click on: Best Mortgage Co and click on View Results. When getting a mortgage make sure to know all your options:
FHA Loans
VA Mortgages
MCC Tax Credit for Home Buyers
USDA loans for Rural Homes
Homepath Mortgage
Immigration Visa Mortgage
Refinancing Your Home
Call me today to make sure … (2 comments)
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montgomery: Your Weekly Mortgage Rate Update For Sugar Land, Katy, Houston, Pearland, The Woodlands, Conroe or anywhere in Texas. 11/15/11 - 11/16/11 10:44 AM
Here is your weekly interest rate update:
Conventional 30 year Mortgage: 4%
Credit score:740
LTV:80%
Loan Amount:$200k
APR: 4.65%
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:3.79%
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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montgomery: Your Weekly Mortgage Rate Update For Sugar Land, Katy, Houston, Pearland, The Woodlands, Conroe or anywhere in Texas. 11/2/11 - 11/02/11 11:50 AM
Here is your weekly interest rate update:
Conventional 30 year Mortgage: 3.875%
Credit score:740
LTV:80%
Loan Amount:$200k
APR: 4.55%
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:3.69%
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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montgomery: Buy a HUD Foreclosed Home with a Down Payment of $100, anywhere in Texas!! - 10/28/11 12:51 PM
After a short hiatus, the $100 down payment when buying a HUD Foreclosure program is back. This is a great program if you are looking to buy a HUD foreclosure as your primary home. Here are the general rules that you must know to qualify:
1. This program is only when buying a HUD Foreclosure.
2. You must buy the home for the List price or more to qualify for the $100 down payment
3. You will still have closing costs to pay, but you can negotiate with HUD to pay all or some of them
4. This is only when … (3 comments)
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montgomery: Can I get a 2nd VA Loan? Yes, you can and here is how. - 10/04/11 02:50 PM
If you are a veteran you can actually have 2 VA loans. You may want a 2nd VA Mortgage if you are moving and not selling your current home, etc. The calculation to find out if you can have two VA loans can be a little confusing. So, Here are the steps to follow when figuring out if you can have 2 VA loans:
1. Order your Certificate of Eligibility- Your Mortgage Lender can do this for you. It requires you to provide your DD-214 form. If you do not have the DD-214 form, you will want to find it.
2. Your Entitlement- … (4 comments)
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montgomery: Can I have 2 VA loans? You sure can, find out how. - 10/04/11 12:43 PM
If you are a veteran you can actually have 2 VA loans. You may want two VA loans if you are moving and not selling your current home. Or possibly would like to buy a new home without selling their current home. The calculation to find out if you can have two VA loans can be a little confusing. So, Here are the steps to follow when figuring out if you can have 2 VA loans:
1. Order your Certificate of Eligibility- Your Mortgage Lender can do this for you. It requires you to provide your DD-214 form. If you … (10 comments)
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montgomery: Your Weekly Mortgage Rate Update For Sugar Land, Katy, Houston, Pearland, The Woodlands, Conroe or anywhere in Texas. 9/21/11 - 09/21/11 10:49 AM
Here is your weekly interest rate update:
Conventional 30 year Mortgage: 4%
Credit score:740
LTV:80%
Loan Amount:$200k
APR: 4.55%
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:3.69%
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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montgomery: Asset Based Mortgage Option. No Income Needed- In Texas - 09/06/11 04:07 PM
We recently came out with a mortgage program that allows us to use your assets instead of income to qualify you for a mortgage. Unlike all mortgages, with this program you do not need income. But, you do need a larger sum of assets. Then we calculate a income based on the assets, to find out if your Buyer qualifies call me today. Here are the exact guidelines on what you do need to know:
1. Min loan amount is $300k
2. On a purchase the max loan to value is 70%, 75% on a refinance
3. Min credit score is 680 … (2 comments)
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montgomery: VA Funding Fee is Lowering 10/1/11. Great News for VA Buyers!! - 09/02/11 02:11 PM
Effective with loans closed on and after October 1, 2011, the following VA Funding Fee will be lowered. For those with 0% down payment(and 1st VA loan) the VA Funding fee will go from 2.15% to 1.4%. On a $150,000 loan that will save you about $6 a month. Not huge savings, but every dollar counts in today’s market!. Here are the Changes :
Down Payment: 0 – 4.99%
There is no change in the funding fee amounts for Interest Rate Reduction Refinance loans, Native American Direct loans, or Loan assumptions.
VA Loans are unique Compared to most loans, … (4 comments)
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montgomery: Your Weekly Mortgage Rate Update For Sugar Land, Katy, Houston, Pearland, The Woodlands, Conroe or anywhere in Texas. 8/31/11 - 08/31/11 01:18 PM
Here is your weekly interest rate update:
Conventional 30 year Mortgage: 4.125%
Credit score:740
LTV:80%
Loan Amount:$200k
APR: 4.65%
FHA 30 year:3.875%
Credit Score:640
LTV:96.5%
loan amount:$200k
APR:4.95%
Conventional 15 year:3.25%
Credit score:740
LTV:80%
Loan Amount:$200k
APR:3.69%
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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montgomery: New Process to File Your Homestead Tax Exemption In Texas. Sept 1st - 08/26/11 12:27 PM
Effective Sept 1st, home owners in Texas that want to file their homestead tax exemption will have to follow a new process. In order to receive their Homestead Tax Exemption they will need to also provide:
Driver’s License or State Issued identification Card Copy of their Vehicle Registration
The address must match on all documents and be for the home that is being homestead. If the homeowner does not have a vehicle, can submit a notarized affidavit certifying that fact OR a copy of a current bill received from a utility company.
Per James Robinson of … (4 comments)
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montgomery: Your Weekly Mortgage Rate Update For Sugar Land, Katy, Houston, Pearland, The Woodlands, Conroe or anywhere in Texas. 8/24/11 - 08/24/11 10:29 AM
Here is your weekly interest rate update:
Conventional 30 year Mortgage: 4.125%
Credit score:740
LTV:80%
Loan Amount:$200k
APR: 4.65%
FHA 30 year:3.875%
Credit Score:640
LTV:96.5%
loan amount:$200k
APR:4.95%
Conventional 15 year:3.25%
Credit score:740
LTV:80%
Loan Amount:$200k
APR:3.69%
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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montgomery: Know the Exact Guidelines for Disputed Accounts and Your Mortgage. - 07/08/11 12:47 PM
In the past I have written how Disputing your Credit Accounts can get your mortgage denied. Since that time the lenders and government have come out with specific rules on Disputed accounts. You still do not want to dispute your accounts. The reason why disputed accounts is a problem, is because when you dispute an account it takes it out of you credit score. So you could dispute a bunch of bad accounts and your credit score would increase. But mortgage underwriters know this is a just a form of "cheating" to get a higher credit score. And this is why … (2 comments)
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montgomery: Charles B. Stewart West Branch Library in Montgomery, Texas. WOW!! - 06/27/11 04:38 PM
I recently taught a class for Realtors on Social Media at the Charles B. Stewart West Branch Library in Montgomery, Texas. Libraries are a very important place for any community. I loved my library growing up. But the Charles B. Stewart West Branch Library in Montgomery has something most libraries don't have. A beautiful pond, located behind the library. I did not get a lot of time to enjoy the pond, but did get to take some great photos. Enjoy. For more Information: Charles B. Stewart West Branch Library in Montgomery, Texas
… (2 comments)
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montgomery: Get to Know The Steps of Your Mortgage Process. - 06/17/11 02:11 PM
When getting a mortgage there are steps you will go thru. This article will go over the Steps of your Mortgage process and what you need to know. Here it is:
1.Applying for Your Loan- At this point you have decided to apply for your Loan. You will contact your Mortgage Professional(ME!) and do a loan application. It maybe online or you may give your information over the phone. Before applying do your research:
Ask for a Referral from a Realtor or a close friend Read their Testimonials Google Your choice, do some research before making a … (4 comments)
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montgomery: The Difference Between VA Loan Eligibility and VA Loan Approval in Fort Bend, Harris, Brazoria, Montgomery County or anywhere in Texas - 06/16/11 09:40 AM
This is great information to remember when getting a VA loan. If you are a Veteran and thinking of buying a home, make sure to locate your DD214 form. And give it to your mortgage lender right away. It will make your mortgage process go smoother. www.DaveYourMortgageGuy.com
Via Bruce Reichstein (VALoans.com - Expert VA Loan Officer - Agent Trusted Lender):
VA home loans have two different stages for the first time home buyer. The first is the initial stage where the borrower applies for VA loan eligibility, which is simply the process of submitting paperwork to the Department of Veterans Affairs … (4 comments)
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montgomery: FHA Loans Under 640 Credit Score in Texas. Know Your Options!! - 06/06/11 06:27 PM
Many mortgage lenders have a minimum credit score of 640 needed to do approve a FHA loan. But, that is not always true. I am able to do loans under 640. Here is the break down for FHA loans with scores under 640.
Credit Score 620 to 639
With any loan that has a score under 640 the underwriter wants to make sure the borrower is a strong client even thou their scores maybe lower. Here are the requirements needed to help you get approved for your mortgage with a score under 640:
A Debt to Income Ratio of 45% … (0 comments)
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montgomery: 3% Down Payment for Conventional Loans in Fort Bend, Harris, Brazoria, Montgomery County or any where in Texas. - 06/06/11 02:36 PM
You can now get a conventional loan with a minimum down payment of 3%. This program is called FLEX 97%. This is a great program for a couple reasons:
You only need a down payment of 3% vs 3.5% required by a FHA loan The max loan is $417k vs a max loan amount of $271k with a FHA loan This does not pulling the spouse's credit report. Unlike a FHA loan that requires the spouse's debts be included in the total debts for calculating purposes. If you currently have a FHA mortgage you can qualify for this loan. While you … (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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