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mortgage: 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)

mortgage: Dave Your Mortgage Guy.com Testimonial- Marisela - 05/23/12 10:26 AM
Not knowing what to really expect, I was excited about purchasing a home, just not looking forward to the loan process. I had always heard (and read) it was very convoluted and rather stressful. Boy was my experience the opposite!
 
From the very first email to closing day, Dave walked me through this process and made the entire experience seamless and pleasant. Any questions or concerns were answered in a very timely manner, keeping me updated at all times. It was very comforting knowing i could call or email at anytime and he was always eager to assist with clear information,even … (1 comments)

mortgage: 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)

mortgage: 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)

mortgage: Dave Your Mortgage Guy Testimonial- Jeff Fringer - 05/05/12 07:30 AM
David Krichmar walked me through my home refi step-by-step. He laid out all options available for me. He gave suggestions as to which would most likely work. David kept me informed on a regular basis as to how things were progressing, and what the numbers were. He was proactive and determined to work the best deal for my situation. Any obstacles or challenges along the way were quickly overcome, and he was patient and available for all manner and quantity of questions I threw at him. Finally, on signing day, he was there to walk me through the closing, and answer … (0 comments)

mortgage: 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)

mortgage: Deferred Student Loans and Your Mortgage, what you need to know! FHA, VA, Conventional Loans - 05/01/12 09:34 AM
When getting pre-approved for a mortgage it is important to know how deferred student loans are addressed.  Of course student loans are not a bad thing.  And if you are making payments on your student loans, that payment amount is taken into account.  But this article is about deferred student loans.  Here is how the 3 major mortgage loan types address deferred student loans:
 
1.      FHA Loan- If you have a deferred student loan, it must be deferred for 12mths or the future payment will be taken into account as a bill.  This means that the future payment is counted … (2 comments)

mortgage: Your Weekly Mortgage Rate Update For Sugar Land, Katy, Houston, Pearland, The Woodlands, Conroe or anywhere in Texas. 04/25/12 - 04/25/12 08:17 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)

mortgage: 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)

mortgage: 6 Steps to make sure your Mortgage Process Goes Smoothly! - 04/12/12 06:45 AM
Often you will hear that someone had a lousy experience getting their mortgage.  Now 99% of the time this is due to the lender doing a poor job.  Granted this is not all lenders.  My #1 Goal is to make the process as stress free as possible.  Here are the top 6 ways you can make sure your mortgage process will go smoothly:
 
1.      Local Lender- Getting a mortgage is a HUGE financial decision, so do not leave it up to an internet lender that you do not know.   Or some lender who is promising some unbelievable rate.  Ask for … (3 comments)

mortgage: 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)

mortgage: Your Weekly Mortgage Rate Update For Sugar Land, Katy, Houston, Pearland, The Woodlands, Conroe or anywhere in Texas. 04/4/12 - 04/04/12 08:03 AM
Here is your weekly interest rate update:
Conventional 30 year Mortgage: 4.125%
Credit score:740
LTV:80%
Loan Amount:$200k
APR: 4.415%
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)

mortgage: 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)

mortgage: DaveYourMortgageGuy.com Testimonial- Frank Morgan - 03/31/12 08:32 AM
Below is a Testimonial from Frank Morgan on the mortgage process with the purchase of his new home.  Another Happy Customer!!
“I wanted to drop you a note to tell you how much I appreciated all the work you did to get our loan to closing on time, and as smoothly as I have ever experienced. It really made what most people describe as a trying experience a good one for Lacey and I, and that is all due to your help. I will make sure you recommend you to my other friends and family”
(0 comments)

mortgage: 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)

mortgage: Pearland's Paws in the Park - This Weekend! - 03/27/12 03:25 PM
This sounds like a lot of fun and a great time.  You and Your Furry friend wont want to miss it.  Once again great Pearland info from the Pearland Real Estate Expert Maggie.  www.DaveYourMortgageGuy.com 
Via Maggie McFarland,Pearland Realtor, Homes for Sale in Pearland Texas (RE/MAX Pearland - Maggie McFarland):

DATE: Saturday and Sunday, March 31-April 1LOCATION: Independence Park (3919 Liberty Drive)TIME: 10 a.m. - 4 p.m.ADMISSION: FREE admission, FREE on-site parking
ABOUTPearland Parks & Recreation is gearing up for the 18th Annual Paws in the Park, benefiting the Pearland Animal Adoption center. We will kick things off on Saturday morning with the HEB Plus! Pet … (0 comments)

mortgage: 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)

mortgage: 4 Reasons Why a 2nd Mortgage Maybe The Best Option For You When Buying a Home - 03/20/12 07:31 AM
When getting a mortgage you will want to know all your options?  And of course you want to make sure you are choosing the best mortgage for your needs.  Many times I hear that other banks do not offer 2nd mortgages or that they do not exist.  I am here to say they do exist and to explain when getting a 2nd mortgage could be best for you. 
Jumbo Loan
A jumbo loan is considered any conventional loan with a loan amount over $417k.  So what do you do if you loan amount is over $417k?  You could get a Jumbo … (0 comments)

mortgage: 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)

mortgage: Your Weekly Mortgage Rate Update For Sugar Land, Katy, Houston, Pearland, The Woodlands, Conroe or anywhere in Texas. 3/14/12 - 03/14/12 07:59 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)

 
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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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