As a graduate of Texas State University in San Marcos with a Bachelors' degree and a Masters' in Business Administration, Cristy uses her business savvy to find the best loan program for her clients.She was a born in Texas and her passion is working through the complicated process of mortgage lending and making it appear simple and easy for her clients. Cristy will work hard to find a loan that will work for you!

                                                                     Get Pre-Qualified!

The first step in the mortgage loan process is becoming pre-qualified for a loan. With a pre-qualification, you will know from the beginning what kind of home you can afford and your pre-qualification letter places you in a better position in a competitive bidding environment. When you get your pre-qualification letter you give it to your real estate agent so they can use it when they put an offer in for you new home.

                                                      Types of Loan Programs Include:

                                                                                Texas

        
    South Padre Island                    Dallas Skyline                   Hamilton Pool, Austin                  San Antonio

Whether you are into hiking, live music, or lying out on the beach. You can do it all in Texas. With the warm weather you are able to enjoy the outside pretty much all year round. For the sports fans out there Texas has many professional and college sports teams throughout the state. So you can always go see a game. One unique thing that Texas has to offer is that if you want to live in the country on a ranch you can. In addition if you want a downtown condo you can do that too!  There are just so many options available becuase of Texas' diverse landscape and culture.  So if you are interested in buying a home in Texas give us a call. We can help get you set up for a loan today!

                                                              The Loan Process

There are four main steps involved in getting a loan here at Framework Mortgage, An Alethes Company. You'll see that we've made your part in them as easy as possible, and we do all the work! That's what we're here for. So if you have any questions don't hesitate to ask!

Step one: determine how much you can borrow

This is a function of a couple things. How much of a monthly payment can you afford, and given your unique credit and employment history, income and debt, and goals, how much will a lender loan you? The first part you can get a rough idea of by using the calculators on Framework's website. If you would like to call we will also help you through different scenarios by asking a few simple questions. Based on standard lender guidelines, we'll get you a good idea of what kind of terms and loan program you can expect to benefit most from.

This is where the rubber meets the road and you save the most money. You supply information to Framework Mortgage about your employment, your assets, your residence history, and so on. We then get your permission to run your credit score. When Framework review's all this information we give you a Pre-Qualification Letter.

Step three: find the prefect home

Your real estate agent will use your Pre-Qual letter to make the best offer on the home you choose, and the seller knows you're pre-qualified. It gives you buying clout! Then while you're picking out the home that's right for you, Framework is busy finding the loan that's right for you.

Your real estate agent and the seller's agent will work together to designate an escrow/title company to handle the funding of your loan once it's approved. Framework will coordinate with the escrow company to make sure all the papers your lender will need are in order, and you'll sign everything at the escrow/title company's office. You've answered a few questions, given us some detailed information, applied online, and next thing you know, you're moving in!

When it might be a good idea to call a loan officer

• If you plan to sell your home within the year
• Before you list your home with a Realtor
• Before making an offer on a property
• To refinance your existing mortgage
• When you're thinking of downsizing your home
• If you are planning to relocate
• If you need to pay off debts
• If you need a larger home
• When you income or job changes
• If you have a new addition to your family
• When you are facing college or other tuition costs
• If you need a financial or tax expert
• If you need homeowners, auto, or other property insurance
• If you are considering bi-weekly mortgage payments
• If you need help with retirement planning
• To Learn hoe to eliminate your Private Mortgage Insurance
• If you want to help your children or parents buy a home
• If you require information on home improvement loans
• If you need life, accidental death, disability or long-term care insurance
• If you are facing a lifestyle change
• If you know anyone who needs any of the above

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The Alamo. San Antonio has many great sights to see such as the Alamo and the Riverwalk. Some other attractions that are fun for the whole family include: Sea World and Fiesta Texas. So if you have never been to San Antonio you need to come check it out.

Austin Skyline. Austin has several lakes that are great for swimming, kayaking, and fishing. There are also great hiking and biking trails all over Austin. If are you interested in music then Austin is where you want to be. They are the live music city with bands performing all the time in the historic downtown Sixth Street area.

 
Glass Pyarmid in Dallas. Dallas has many museums and tons of stuff to do. While in Dallas you have to check out The Dallas Zoo! There are also several lakes around Dallas that provide great recreation.

Unique rock formations in Big Bend National Park. If you are into hiking  and camping then you really need to check out Big Bend National Park. It has some great sightseeing and it can be a fun experience for the whole family.

 
Field of Red Corn Poppies near Fredericksburg. Fredericksburg is a great little town to visit that is between Austin and San Antonio. It's a very pretty and historic town with lots of Antique shops. There are also several wine vineyards in the area that are worth the drive to go see.

Sand beach of South Padre Island. Now if you like the beach then South Padre Island is the place to be. It is located on the most southern tip of Texas and the beaches there are beautiful. This is a popular spring break and summer destination for many people.

Farm fields near Marlin. Throughout Texas there are farms everywhere. This is just one picture of some of the sights you will see while driving around Texas.

Relaxing at Pedernales Falls State Park. This park is located just east of Johnson City, Texas. This park is over 5,000 acres and some of the activites you can do there include: camping, hiking, swimming, tubing, wading, mountain biking, fishing, bird watching, and horseback riding.

Antique windmills in Spearman. This town is located on the Northern tip of Texas in the Panhandle. If you like windmills then you should definilty check out this town! It's a sight to see.

Eiffel Tower with cowboy hat in Paris. Now doesn't Texas have everything. There is no need to go to Europe to see the Eiffel tower when you can see it right here in Texas. The only difference of course is the cowboy hat. :) Paris Texas is known as the "best small town in Texas" and is located on the Northwest tip of Texas. Come check it out!

Giraffe with baby at the Houston Zoo. Houston  is the largest City in Texas and has a ton of great stuff to do. The Houston and Dallas Zoos are both worth checking out. If you are into sports you can find it all with the Houston Rockets (NBA) Basketball, Houston Astros (MLB) baseball, Houston Texans (NFL) football and Houston Dynamo (MLS) soccer.

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