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the woodlands: 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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the woodlands: 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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the woodlands: 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)
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the woodlands: 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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the woodlands: 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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the woodlands: 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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the woodlands: 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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the woodlands: 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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the woodlands: 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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the woodlands: 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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the woodlands: 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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the woodlands: 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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the woodlands: 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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the woodlands: 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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the woodlands: 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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the woodlands: 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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the woodlands: FHA Mortgage Insurance is Increasing on April 9th. - 03/11/12 01:36 PM
HUD(FHA) just announced that the monthly mortgage insurance is increasing on all case numbers ordered on and after April 9th. This increase will be .10 on all FHA mortgages that have monthly mortgage insurance. A FHA case number is ordered when you start a new FHA loan. This change is for purchase loans and regular refinances(not streamlines). HUD is also increasing the upfront mortgage insurance amount from 1% to 1.75%. To give this change some perspective, the increase in up front mortgage Insurance will increase the payment on a $200k loan by $5 a month.
Here are the exact changes to … (0 comments)
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the woodlands: Your Weekly Mortgage Rate Update For Sugar Land, Katy, Houston, Pearland, The Woodlands, Conroe or anywhere in Texas. 3/7/12 - 03/07/12 09:23 AM
Here is your weekly interest rate update:
Conventional 30 year Mortgage: 3.875%
Credit score:740
LTV:80%
Loan Amount:$200k
APR: 4.25%
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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the woodlands: Your Weekly Mortgage Rate Update For Sugar Land, Katy, Houston, Pearland, The Woodlands, Conroe or anywhere in Texas. 2/29/12 - 02/29/12 09:14 AM
Here is your weekly interest rate update:
Conventional 30 year Mortgage: 3.875%
Credit score:740
LTV:80%
Loan Amount:$200k
APR: 4.25%
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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the woodlands: FHA Loans with Credit Scores under 640 in Texas. 620, 580 - 02/24/12 12:23 PM
Many lenders require a min fico credit score of 640 to do a FHA loan. But, I am actually able to do them down to 580. And I wanted to give you the guidelines for FHA loans under 640. Here they are:
620-629
· Follows the same guidelines for credit scores over 640
· Interest rate is higher due to Credit Score
600-619
· Need 5% down payment(vs 3.5%)
· Max seller contribution toward closing costs is 3%(vs 6% normally)
· Must be a Citizen or Non Resident Alien(Green Card), no Immigration Visas. Immigration Visas are allowed … (2 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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