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texas: 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)
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texas: 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)
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texas: 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)
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texas: 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)
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texas: 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)
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texas: 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)
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texas: 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)
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texas: 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)
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texas: 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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texas: 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)
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texas: 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)
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texas: 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)
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texas: Which Immigration Visa is acceptable for someone to get Approved for a Mortgage - 04/03/12 07:50 AM
Recently many mortgage lenders have updated the list of acceptable Immigration Visa(s) for someone to be approved for a mortgage. So I wanted to pass along the Acceptable Visa’s and a short explanation of them:
A Series (A-1, A-2, A-3): these visas are given to officials of foreign governments, immediate family members and support staff. Only those without diplomatic immunity, as verified on the visa, are allowed.
E-1 Treaty Trader and E-2 Treaty Investor: this visa is essentially the same as an H-1 or L-1; the title refers to the foreign country's status with the United States.
G Series … (2 comments)
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texas: 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)
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texas: George Clooney is Coming to Houston, May 3rd, 2012 - 03/21/12 11:45 AM
Do not miss the chance to see George Clooney live and in person May 3rd at 7pm at the Wortham Center/Brown Theater. George Clooney is considered one of the most known actors of our time. And how can you not like him in Ocean’s Eleven as Danny Ocean. This is suppose to be his first lecture in North America. Tickets are from $25 to $150 and to go to the benefit dinner it will cost you $2500. For Tickets call Brilliant Lectures at 713-974-1335 or brilliantlectures.org.
Don’t miss this awesome opportunity to see George Clooney.
… (2 comments)
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texas: 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)
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texas: 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)
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texas: 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)
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texas: 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)
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texas: 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)
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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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