mortgage: Mortgage Rate update for Katy, The Woodlands, Conroe, Houston 9/2/15 - 09/02/15 07:56 AM
Conventional 30 year Mortgage: 4.125%
Credit score:740
LTV:80%
Loan Amount:$200k
APR: 4.32%
FHA 30 year: 4%
Credit Score:740
LTV:96.5%
loan amount:$200k
APR:5.02%
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.
(2 comments)

mortgage: Mortgage Rate Update for Houston, The Woodlands, Sugar Land 8/26/15 - 08/26/15 10:27 AM
Conventional 30 year Mortgage: 4.125%
Credit score:740
LTV:80%
Loan Amount:$200k
APR: 4.32%
FHA 30 year: 4%
Credit Score:740
LTV:96.5%
loan amount:$200k
APR:5.02%
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.
(2 comments)

mortgage: Mortgage Rate Update Sugar Land, Katy, Houston, The Woodlands 08/19/15 - 08/19/15 08:10 AM
Conventional 30 year Mortgage: 4.125%
Credit score:740
LTV:80%
Loan Amount:$200k
APR: 4.32%
FHA 30 year: 4%
Credit Score:740
LTV:96.5%
loan amount:$200k
APR:5.02%
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: Mortgage Rate Update Sugar Land, Katy, Houston, The Woodlands 08/12/15 - 08/12/15 02:02 PM
Conventional 30 year Mortgage: 4.125%
Credit score:740
LTV:80%
Loan Amount:$200k
APR: 4.32%
FHA 30 year: 4%
Credit Score:740
LTV:96.5%
loan amount:$200k
APR:5.02%
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: Mortgage Rate Update Sugar Land, Katy, Houston, The Woodlands 08/5/15 - 08/05/15 08:36 AM
Conventional 30 year Mortgage: 4.25%
Credit score:740
LTV:80%
Loan Amount:$200k
APR: 4.42%
FHA 30 year: 4.25%
Credit Score:740
LTV:96.5%
loan amount:$200k
APR:5.22%
Conventional 15 year:3.5%
Credit score:740
LTV:80%
Loan Amount:$200k
APR:3.62%
 
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 Sugar Land, Katy, Houston, The Woodlands 07/29/15 - 07/29/15 02:04 PM
Conventional 30 year Mortgage: 4.125%
Credit score:740
LTV:80%
Loan Amount:$200k
APR: 4.42%
FHA 30 year: 4.125%
Credit Score:740
LTV:96.5%
loan amount:$200k
APR:5.22%
Conventional 15 year:3.5%
Credit score:740
LTV:80%
Loan Amount:$200k
APR:3.62%
 
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: DaveYourMortgageGuy.com Testimonial- Jihan Zubi - 07/28/15 06:48 AM
 
My credit wasn't the best before I applied for the mortgage loan. Thanks to Mr. Krichmar's knowledge about the industry and his effort to get me into a home, I was able to come away with the best possible financing situation. Mr. Krichmar has extensive knowledge and is willing to share it! This was invaluable to me. I appreciate his ability to stay in touch and always answer emails and calls promptly. He is really encouraging and a great teacher. I learned a lot about the industry through him. Truly, I would recommend him to anyone who is looking to buy … (0 comments)

mortgage: Mortgage Rate Update Sugar Land, Katy, Houston, The Woodlands 07/22/15 - 07/22/15 09:51 AM
Conventional 30 year Mortgage: 4.125%
Credit score:740
LTV:80%
Loan Amount:$200k
APR: 4.42%
FHA 30 year: 4.125%
Credit Score:740
LTV:96.5%
loan amount:$200k
APR:5.22%
Conventional 15 year:3.5%
Credit score:740
LTV:80%
Loan Amount:$200k
APR:3.62%
 
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: What are the non-allowable fees for a Veteran on a VA loan? - 07/16/15 10:35 AM
 
As you may know VA loans are fantastic loans.  They offer 0% down payment and no monthly mortgage insurance for veterans getting a loan.  Another great benefit is that when buying a home or refinancing a home there are certain fees that can not be paid by the Veteran.  These fees are called “non allowable fees” and would have to be paid by a 3rd party such as the seller, realtor or mortgage lender.  When buying a home they are usually paid by the seller and when refinancing their mortgage the fees are usually paid by the lender.  Many times I … (2 comments)

mortgage: Mortgage Rate Update Sugar Land, Katy, Houston, The Woodlands 07/15/15 - 07/15/15 09:30 AM
Conventional 30 year Mortgage: 4.25%
Credit score:740
LTV:80%
Loan Amount:$200k
APR: 4.52%
FHA 30 year: 4.125%
Credit Score:740
LTV:96.5%
loan amount:$200k
APR:5.22%
Conventional 15 year:3.5%
Credit score:740
LTV:80%
Loan Amount:$200k
APR:3.62%
 
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: Form 2106 Expenses now may not count against your Income - 07/09/15 11:05 AM
 
Fannie Mae recently came out with a fantastic change to the mortgage guidelines for Conventional loans.  The guideline change has to do with The Unreimbursed Business Expenses on the Form 2106 on your Tax Returns.  This is the area used for “write-off’s” in regards to your job such as clothing, car mileage, technology costs, etc.  In the past these expenses were deducted from your income when qualifying for a mortgage.  As of immediately, this is no longer the case for anyone that has “commission income that is 25% of their total income of less”.  Of course that last statement is confusing, … (2 comments)

mortgage: Mortgage Rate Update Sugar Land, Katy, Houston, The Woodlands 07/1/15 - 07/01/15 07:55 AM
Conventional 30 year Mortgage: 4.375%
Credit score:740
LTV:80%
Loan Amount:$200k
APR: 4.62%
FHA 30 year: 4.25%
Credit Score:740
LTV:96.5%
loan amount:$200k
APR:5.32%
Conventional 15 year:3.625%
Credit score:740
LTV:80%
Loan Amount:$200k
APR:3.72%
 
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 Sugar Land, Katy, Houston, The Woodlands 06/17/15 - 06/17/15 10:06 AM
Conventional 30 year Mortgage: 4.25%
Credit score:740
LTV:80%
Loan Amount:$200k
APR: 4.52%
FHA 30 year: 4.125%
Credit Score:740
LTV:96.5%
loan amount:$200k
APR:5.12%
Conventional 15 year:3.5%
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: I have just been Denied for a Mortgage….. now what?? - 06/16/15 08:08 AM
 
Getting denied for a mortgage when you want to buy a home is a horrible experience.  It can crush your dreams if you let it.  As a mortgage lender I was thinking of what you can do after you have been denied for a mortgage, so that eventually you will get approved to buy that dream home.  And here are my main points of advice to get you back on track after being denied for a mortgage:
 
Why was a I denied?- When the lender tells you are denied ask why?  And it better be a thorough answer or keep asking questions.  … (2 comments)

mortgage: Mortgage Rate Update Sugar Land, Katy, Houston, The Woodlands 06/3/15 - 06/03/15 12:46 PM
Conventional 30 year Mortgage: 4.25%
Credit score:740
LTV:80%
Loan Amount:$200k
APR: 4.52%
FHA 30 year: 4.125%
Credit Score:740
LTV:96.5%
loan amount:$200k
APR:5.12%
Conventional 15 year:3.5%
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: Mortgage Rate Update Sugar Land, Katy, Houston, The Woodlands 05/20/15 - 05/20/15 08:02 AM
Conventional 30 year Mortgage: 4.125%
Credit score:740
LTV:80%
Loan Amount:$200k
APR: 4.32%
FHA 30 year: 4%
Credit Score:740
LTV:96.5%
loan amount:$200k
APR:5.02%
Conventional 15 year:3.375%
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 Sugar Land, Katy, Houston, The Woodlands 05/13/15 - 05/13/15 11:32 AM
Conventional 30 year Mortgage: 4.125%
Credit score:740
LTV:80%
Loan Amount:$200k
APR: 4.32%
FHA 30 year:3.875%
Credit Score:740
LTV:96.5%
loan amount:$200k
APR:4.92%
Conventional 15 year:3.375%
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 Sugar Land, Katy, Houston, The Woodlands 05/6/15 - 05/06/15 12:43 PM
Conventional 30 year Mortgage: 4%
Credit score:740
LTV:80%
Loan Amount:$200k
APR: 4.12%
FHA 30 year:4%
Credit Score:740
LTV:96.5%
loan amount:$200k
APR:5.02%
Conventional 15 year:3.375%
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 Sugar Land, Katy, Houston, The Woodlands 04/22/15 - 04/22/15 12:45 PM
Conventional 30 year Mortgage: 3.875%
Credit score:740
LTV:80%
Loan Amount:$200k
APR: 3.92%
FHA 30 year:3.75%
Credit Score:680
LTV:96.5%
loan amount:$200k
APR:4.57%
Conventional 15 year:3.25%
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 Sugar Land, Katy, Houston, The Woodlands 04/8/15 - 04/08/15 09:20 AM
Conventional 30 year Mortgage: 3.75%
Credit score:740
LTV:80%
Loan Amount:$200k
APR: 3.82%
FHA 30 year:3.75%
Credit Score:680
LTV:96.5%
loan amount:$200k
APR:4.87%
Conventional 15 year:3.125%
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)

 
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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