mortgage: Mortgage Rate update for Katy, The Woodlands, Conroe, Houston 5/25/16 - 05/25/16 08:32 AM
Conventional 30 year Mortgage: 3.875%
Credit score:740
LTV:80%
Loan Amount:$200k
APR: 4.12%
FHA 30 year: 3.75%
Credit Score:740
LTV:96.5%
loan amount:$200k
APR:4.86%
Conventional 15 year: 3.25%
Credit score:740
LTV:80%
Loan Amount:$200k
APR:3.42%
 
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)

mortgage: Mortgage Rate update for Katy, The Woodlands, Conroe, Houston 5/18/16 - 05/18/16 09:21 AM
Conventional 30 year Mortgage: 3.875%
Credit score:740
LTV:80%
Loan Amount:$200k
APR: 4.12%
FHA 30 year: 3.75%
Credit Score:740
LTV:96.5%
loan amount:$200k
APR:4.86%
Conventional 15 year: 3.125%
Credit score:740
LTV:80%
Loan Amount:$200k
APR:3.32%
 
Rates are Subject to Change
Call me today if you are thinking of refinancing or buying a home, for the best mortgage rate possible.
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mortgage: Mortgage Rate update for Katy, The Woodlands, Conroe, Houston 5/11/16 - 05/11/16 08:53 AM
Conventional 30 year Mortgage: 3.75%
Credit score:740
LTV:80%
Loan Amount:$200k
APR: 4.02%
FHA 30 year: 3.625%
Credit Score:740
LTV:96.5%
loan amount:$200k
APR:4.76%
Conventional 15 year: 3%
Credit score:740
LTV:80%
Loan Amount:$200k
APR:3.22%
 
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)

mortgage: That Darn Collection Account and Trying to get a Mortgage - 05/06/16 08:28 AM
Many times I will see a client with perfect credit and a random collection account pops up on their credit report. The majority of the time their reaction is of surprise and some choice words. As they did not know about it and rush to figure out what to do. Everyone’s situation is different but before you do anything about a collection account on your credit report it is important to know how it could affect your credit score and getting a mortgage. So I wanted to go over some points on what to do based on my experience when it … (2 comments)

mortgage: Mortgage Rate update for Katy, The Woodlands, Conroe, Houston 5/4/16 - 05/04/16 08:53 AM
Conventional 30 year Mortgage: 3.75%
Credit score:740
LTV:80%
Loan Amount:$200k
APR: 4.02%
FHA 30 year: 3.75%
Credit Score:740
LTV:96.5%
loan amount:$200k
APR:4.86%
Conventional 15 year: 3.125%
Credit score:740
LTV:80%
Loan Amount:$200k
APR:3.32%
 
Rates are Subject to Change
Call me today if you are thinking of refinancing or buying a home, for the best mortgage rate possible.
Posted by … (0 comments)

mortgage: USDA is lowering their Fees October 1st , 2016 - 05/02/16 10:01 AM
USDA is lowering their fees for mortgages on October 1st, 2016. Currently USDA’s fees are 2.75%(of the loan amount) for their upfront fee which is financed into the loan. And .5% to their annual fee, this is treated the same as monthly mortgage insurance. Making it part of the total monthly payment. For all loans started after October 1st 2016, the upfront fee will go down to 1% and the annual(monthly) fee will go down to .35%. This is fantastic news for those buyers looking to buy a home in a “rural” area. Keep in mind when wanting a USDA loan … (2 comments)

mortgage: Mortgage Rate update for Katy, The Woodlands, Conroe, Houston 4/27/16 - 04/27/16 09:30 AM
Conventional 30 year Mortgage: 4%
Credit score:740
LTV:80%
Loan Amount:$200k
APR: 4.22%
FHA 30 year: 3.75%
Credit Score:740
LTV:96.5%
loan amount:$200k
APR:4.86%
Conventional 15 year: 3.25%
Credit score:740
LTV:80%
Loan Amount:$200k
APR:3.42%
 
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)

mortgage: Mortgage Rate update for Katy, Houston, Woodlands, Sugar Land 4/13/16 - 04/13/16 09:40 AM
Conventional 30 year Mortgage: 3.75%
Credit score:740
LTV:80%
Loan Amount:$200k
APR: 4.02%
FHA 30 year: 3.75%
Credit Score:740
LTV:96.5%
loan amount:$200k
APR:4.86%
Conventional 15 year:3.125%
Credit score:740
LTV:80%
Loan Amount:$200k
APR:3.32%
 
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)

mortgage: Are you Looking for a FHA 203k loan? - 04/12/16 08:02 AM
If you are looking for a FHA 203k mortgage, you have come to the right place.  The FHA 203k is a mortgage aimed at financing in the improvements to the property into your loan.   This is perfect for homes that otherwise would not get financed due to work that needs to be done.  Or possibly for a home that is undervalued due to it needing upgrades or improvements.  To give a better idea on what repairs you can finance, here is a list of items that can be financed into our FHA 203k loan:
 
Repair or Replace your Roof
Repair … (0 comments)

mortgage: Mortgage Rate update for Katy, Houston, Woodlands, Sugar Land 4/6/16 - 04/06/16 07:59 AM
Conventional 30 year Mortgage: 3.75%
Credit score:740
LTV:80%
Loan Amount:$200k
APR: 4.02%
FHA 30 year: 3.75%
Credit Score:740
LTV:96.5%
loan amount:$200k
APR:4.86%
Conventional 15 year:3.125%
Credit score:740
LTV:80%
Loan Amount:$200k
APR:3.32%
 
Rates are Subject to Change
Call me today if you are thinking of refinancing or buying a home, for the best mortgage rate possible.

Posted by … (0 comments)

mortgage: Mortgage Rate update for Katy, Houston, Woodlands, Sugar Land 3/30/16 - 03/30/16 12:17 PM
Conventional 30 year Mortgage: 3.875%
Credit score:740
LTV:80%
Loan Amount:$200k
APR: 4.12%
FHA 30 year: 3.75%
Credit Score:740
LTV:96.5%
loan amount:$200k
APR:4.86%
Conventional 15 year:3.25%
Credit score:740
LTV:80%
Loan Amount:$200k
APR:3.42%
 
Rates are Subject to Change
Call me today if you are thinking of refinancing or buying a home, for the best mortgage rate possible.

Posted by  
(0 comments)

mortgage: Dave Your Mortgage Guy Testimonial- Doug from Michigan - 03/30/16 11:29 AM
During the summer of 2015, my girlfriend Amanda and I started the house hunt for our first home. We found the house of our dreams after a couple of months and submitted our best offer. We submitted all information the bank needed only to find out (1 week before closing) that my status in the USA ( a TN visa ) is not accepted by the underwriter. Everything fell apart. I had searched the internet endlessly to find a solution that might save our deal. I found David Krichmar that wrote about Canadians being approved for home loans in Texas. We … (0 comments)

mortgage: Mortgage Rate update for Katy, Houston, Woodlands, Sugar Land 3/23/16 - 03/23/16 10:34 AM
Conventional 30 year Mortgage: 4%
Credit score:740
LTV:80%
Loan Amount:$200k
APR: 4.22%
FHA 30 year: 3.875%
Credit Score:740
LTV:96.5%
loan amount:$200k
APR:4.86%
Conventional 15 year:3.25%
Credit score:740
LTV:80%
Loan Amount:$200k
APR:3.42%
 
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)

mortgage: Mortgage Rate update for Katy, The Woodlands, Conroe, Houston 3/16/16 - 03/16/16 09:39 AM
Conventional 30 year Mortgage: 4%
Credit score:740
LTV:80%
Loan Amount:$200k
APR: 4.22%
FHA 30 year: 3.875%
Credit Score:740
LTV:96.5%
loan amount:$200k
APR:4.86%
Conventional 15 year:3.375%
Credit score:740
LTV:80%
Loan Amount:$200k
APR:3.52%
 
Rates are Subject to Change
Call me today if you are thinking of refinancing or buying a home, for the best mortgage rate possible.
Posted by … (0 comments)

mortgage: STOP!! You may be working with the wrong Mortgage Lender - 03/10/16 07:54 AM
When buying a home finding the right mortgage lender is a huge deal. It can really be the difference between a great home buying process and a NIGHTMARE! So I was thinking, how would you know if you are working with the wrong mortgage lender. So here are my major points to keep in mind, so you do not make that mistake:
 
Were they Referred to You- When picking a mortgage lender it is important to ask for referrals. The #1 person to ask for a lender referral is your realtor. As they are truly the expert, they deal with them … (2 comments)

mortgage: Mortgage Rate update for Katy, The Woodlands, Conroe, Houston 3/9/16 - 03/09/16 08:32 AM
Conventional 30 year Mortgage: 4%
Credit score:740
LTV:80%
Loan Amount:$200k
APR: 4.22%
FHA 30 year: 3.75%
Credit Score:740
LTV:96.5%
loan amount:$200k
APR:4.86%
Conventional 15 year:3.375%
Credit score:740
LTV:80%
Loan Amount:$200k
APR:3.52%
 
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)

mortgage: Our Super Duper Awesome Mortgage Program for Real Estate Investors - 03/03/16 11:31 AM
As may already know it can be difficult for Real Estate investors to get approved for a mortgage. Whether it is that they have too many financed properties, have too much in write off’s on their tax returns or strict credit requirements, it can be difficult for them to get approved for a mortgage. We recently came out with an awesome mortgage program aimed at avoiding many of these problems for real estate investors. Instead of boring you with the mindless guidelines, let’s jump to the highlights:
 
Up to 20 Financed Properties are allowed (Most lenders are limited to 10 or … (0 comments)

mortgage: Mortgage Rate update for Katy, The Woodlands, Conroe, Houston 3/2/16 - 03/02/16 09:13 AM
Conventional 30 year Mortgage: 3.875%
Credit score:740
LTV:80%
Loan Amount:$200k
APR: 4.12%
FHA 30 year: 3.75%
Credit Score:740
LTV:96.5%
loan amount:$200k
APR:4.86%
Conventional 15 year:3.25%
Credit score:740
LTV:80%
Loan Amount:$200k
APR:3.42%
 
Rates are Subject to Change
Call me today if you are thinking of refinancing or buying a home, for the best mortgage rate possible.
(2 comments)

mortgage: Mortgage Rate update for Katy, The Woodlands, Conroe, Houston 2/24/16 - 02/24/16 08:00 AM
Conventional 30 year Mortgage: 3.75%
Credit score:740
LTV:80%
Loan Amount:$200k
APR: 4.02%
FHA 30 year: 3.75%
Credit Score:740
LTV:96.5%
loan amount:$200k
APR:4.86%
Conventional 15 year:3.125%
Credit score:740
LTV:80%
Loan Amount:$200k
APR:3.32%
 
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)

mortgage: Mortgage Rate update for Katy, The Woodlands, Conroe, Houston 2/10/16 - 02/10/16 11:30 AM
Conventional 30 year Mortgage: 3.75%
Credit score:740
LTV:80%
Loan Amount:$200k
APR: 4.02%
FHA 30 year: 3.75%
Credit Score:740
LTV:96.5%
loan amount:$200k
APR:4.86%
Conventional 15 year:3.125%
Credit score:740
LTV:80%
Loan Amount:$200k
APR:3.32%
 
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)

 
David Krichmar, DaveYourMortgageguy.com (www.DaveYourMortgageGuy.com, FHA, VA, USDA, HomePath, Jumbo) Rainmaker large

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: (832) 689-6012

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