brazoria: Pearland Winterfest - January 26th, 10am to 5pm - 01/04/12 07:14 AM
Wow, this sounds like an awesome event in Pearland.  I have not been to it before, but will definitely try to this year.  Follow Maggie's Blog to keep up with Pearland events
 

    

          
Have a Blog Idea, A Real Estate Question, would like to spotlight an upcoming event or local business send an email to PearlandHomeTeam@aol.com.
Whether you are buying or selling Real Estate in Pearland Texas it just makes sense to use a Realtor® that knows the area!  I live here, work here and play here - I call Pearland Texas home!  For more information regarding Pearland Texas be sure to … (1 comments)

brazoria: Can I have 2 VA loans? You sure can, find out how. - 10/04/11 05:43 AM
If you are a veteran you can actually have 2 VA loans.  You may want two VA loans if you are moving and not selling your current home.  Or possibly would like to buy a new home without selling their current home.  The calculation to find out if you can have two VA loans can be a little confusing.  So, Here are the steps to follow when figuring out if you can have 2 VA loans:
 
1.      Order your Certificate of Eligibility- Your Mortgage Lender can do this for you.  It requires you to provide your DD-214 form.  If you do not … (10 comments)

brazoria: 3% Down Payment for Conventional Loans in Fort Bend, Harris, Brazoria, Montgomery County or any where in Texas. - 06/06/11 07:36 AM
You can now get a conventional loan with a minimum down payment of 3%. This program is called FLEX 97%. This is a great program for a couple reasons:
You only need a down payment of 3% vs 3.5% required by a FHA loan The max loan is $417k vs a max loan amount of $271k with a FHA loan This does not pulling the spouse's credit report. Unlike a FHA loan that requires the spouse's debts be included in the total debts for calculating purposes. If you currently have a FHA mortgage you can qualify for this loan. While you … (0 comments)

brazoria: Your Weekly Mortgage Rate Update for Fort Bend, Harris, Brazoria, Montgomery County or anywhere in Texas. 4/6 - 04/06/11 07:01 AM
Here is your weekly interest rate update:
Conventional 30 year Mortgage: 4.875%
Credit score:740
LTV:80%
Loan Amount:$200k
APR: 5.5%
FHA 30 year:4.625%
Credit Score:640
LTV:96.5%
loan amount:$200k
APR:5.75%
Conventional 15 year:4.25%
Credit score:740
LTV:80%
Loan Amount:$200k
APR:4.95%
 
Call me today if you are thinking of refinancing or buying a home, for the best mortgage rate possible. 

(0 comments)

brazoria: USDA Loans. 0% Down Payment!!!!!! - 03/24/11 07:02 AM
USDA Loans are mortgages for Homes that are found in Rural areas.  If you are thinking of buying a home in a rural area you can not beat this loan option.  Here are the highlights for:
You will not need a down payment.  That's right 0%!!!  FHA loans require a down payment of 3.5% and a conventional can require 5% or more.  And the seller can pay all or some of your closing costs.  This would allow you to get in the home with the least amount of money possible. You will not have any monthly mortgage insurance.  This will give … (2 comments)

brazoria: USDA Loans in Texas are Changing 10/1/11, Monthly Mortgage Insurance will increase - 03/10/11 05:58 AM
It has just been announced that USDA loans monthly Mortgage Insurance will be increasing on 10/1/11.  These changes apply to any case number ordered on 10/1/11 and after.  Currently USDA loans have no monthly mortgage insurance, but after 10/1/11 that will be increasing to .30.  On a $100,000 loan that will equal to a $25 increase in the borrowers payment.
On a positive note the upfront Mortgage Insurance Premium will decrease from 3.5% to 2%.  This move in by itself would decrease the payment by $8 a month. 
In the end,  on and after 10/1/11 USDA loans with have an increase … (0 comments)

brazoria: Your Weekly Mortgage Rate Update for Fort Bend, Harris, Montgomery, Brazoria county or anywhere in Texas. 3/9/11 - 03/09/11 04:22 AM
Here is your weekly interest rate update:
Conventional 30 year Mortgage: 4.75%
Credit score:740
LTV:80%
Loan Amount:$200k
APR: 5.25%
FHA 30 year:4.5%
Credit Score:640
LTV:96.5%
loan amount:$200k
APR:5.375%
Conventional 15 year:4%
Credit score:740
LTV:80%
Loan Amount:$200k
APR:4.125%
 
Call me today if you are thinking of refinancing or buying a home, for the best mortgage rate possible. 

(0 comments)

brazoria: Your Weekly Mortgage Rate Update for Fort Bend, Harris, Montgomery, Brazoria County or anywhere in Texas. 2/22/11 - 02/23/11 03:04 AM
Here is your weekly interest rate update:
Conventional 30 year Mortgage: 4.875%
Credit score:740
LTV:80%
Loan Amount:$200k
APR: 5.375%
FHA 30 year:4.5%
Credit Score:640
LTV:96.5%
loan amount:$200k
APR:5.375%
Conventional 15 year:4.125%
Credit score:740
LTV:80%
Loan Amount:$200k
APR:4.25%
 
Call me today if you are thinking of refinancing or buying a home, for the best mortgage rate possible. 

(0 comments)

brazoria: Your Weekly Mortgage Rate Update for Fort Bend, Harris, Montgomery, Brazoria County or anywhere in Texas. 2/16/11 - 02/16/11 03:19 AM
Here is your weekly interest rate update:
Conventional 30 year Mortgage: 4.875%
Credit score:740
LTV:80%
Loan Amount:$200k
APR: 5.375%
FHA 30 year:4.625%
Credit Score:640
LTV:96.5%
loan amount:$200k
APR:5.55%
Conventional 15 year:4.125%
Credit score:740
LTV:80%
Loan Amount:$200k
APR:4.25%
 
Call me today if you are thinking of refinancing or buying a home, for the best mortgage rate possible. 


 
(0 comments)

brazoria: Your Weekly Mortgage Rate Update for Fort Bend, Harris, Montgomery, Brazoria County or anywhere in Texas. 2/9/11 - 02/09/11 03:10 AM
Here is your weekly interest rate update:
Conventional 30 year Mortgage: 5%
Credit score:740
LTV:80%
Loan Amount:$200k
APR: 5.5%
FHA 30 year:4.75%
Credit Score:640
LTV:96.5%
loan amount:$200k
APR:5.625%
Conventional 15 year:4.25%
Credit score:740
LTV:80%
Loan Amount:$200k
APR:4.375%
 
Call me today if you are thinking of refinancing or buying a home, for the best mortgage rate possible. 

(0 comments)

brazoria: Your Weekly Mortgage Rate Update for Fort Bend, Harris, Montgomery, Brazoria County or anywhere in Texas. 2/2/11 - 02/02/11 03:39 AM
Here is your weekly interest rate update:
Conventional 30 year Mortgage: 4.75%
Credit score:740
LTV:80%
Loan Amount:$200k
APR: 5.25%
FHA 30 year:4.375%
Credit Score:640
LTV:96.5%
loan amount:$200k
APR:5.375%
Conventional 15 year:3.875%
Credit score:740
LTV:80%
Loan Amount:$200k
APR:4.5%
 
Call me today if you are thinking of refinancing or buying a home, for the best mortgage rate possible. 

(0 comments)

brazoria: Your Weekly Mortgage Rate Update for Fort Bend, Harris, Montgomery, Brazoria County or anywhere in Texas. 1/26/11 - 01/26/11 05:06 AM
Here is your weekly interest rate update:
Conventional 30 year Mortgage: 4.75%
Credit score:740
LTV:80%
Loan Amount:$200k
APR: 5.25%
FHA 30 year:4.5%
Credit Score:640
LTV:96.5%
loan amount:$200k
APR:5.375%
Conventional 15 year:4%
Credit score:740
LTV:80%
Loan Amount:$200k
APR:4.5%
 
Call me today if you are thinking of refinancing or buying a home, for the best mortgage rate possible. 

(0 comments)

brazoria: How to find out if a House Qualifies for a USDA loan. Rural Homes - 01/24/11 04:02 AM
USDA loans are amazing mortgages.  You can qualify for 0% down payment and no mortgage insurance.  When applying for a USDA loan you must be approved for the mortgage.  And the home you are interested in must qualify for the program, also.  The home must be in a Rural area and approved by the United States Dept of Agriculture- Rural Development.  To find out if the home qualifies go to USDA.  Click on "single family housing".  Then input the address and the website will tell you if it does or does not qualify for the program.  When applying for a mortgage … (8 comments)

brazoria: Your Weekly Mortgage Rate Update for Fort Bend, Harris, Brazoria, Montgomery County or anywhere in Texas. 1/19/11 - 01/19/11 07:08 AM
Here is your weekly interest rate update:
Conventional 30 year Mortgage: 4.625%
Credit score:740
LTV:80%
Loan Amount:$200k
APR: 5.125%
FHA 30 year:4.375%
Credit Score:640
LTV:96.5%
loan amount:$200k
APR:5.25%
Conventional 15 year:3.875%
Credit score:740
LTV:80%
Loan Amount:$200k
APR:4.375%
 
Call me today if you are thinking of refinancing or buying a home, for the best mortgage rate possible. 

(0 comments)

brazoria: Your Weekly Mortgage Rate Update for Fort Bend, Harris, Brazoria, Montgomery County or anywhere in Texas. 1/12/2011 - 01/12/11 05:02 AM
Here is your weekly interest rate update:
Conventional 30 year Mortgage: 4.75%
Credit score:740
LTV:80%
Loan Amount:$200k
APR: 5.25%
FHA 30 year:4.375%
Credit Score:640
LTV:96.5%
loan amount:$200k
APR:5.25%
Conventional 15 year:4%
Credit score:740
LTV:80%
Loan Amount:$200k
APR:4.375%
 
Call me today if you are thinking of refinancing or buying a home, for the best mortgage rate possible. 


 
(0 comments)

brazoria: Your Weekly Mortgage Rate Update for Fort Bend, Harris, Brazoria, Montgomery County or anywhere in Texas. 1/5/2011 - 01/05/11 04:37 AM
Here is your weekly interest rate update:
Conventional 30 year Mortgage: 4.75%
Credit score:740
LTV:80%
Loan Amount:$200k
APR: 5.25%
FHA 30 year:4.5%
Credit Score:640
LTV:96.5%
loan amount:$200k
APR:5.25%
Conventional 15 year:4.125%
Credit score:740
LTV:80%
Loan Amount:$200k
APR:4.5%
 
Call me today if you are thinking of refinancing or buying a home, for the best mortgage rate possible. 


 
(0 comments)

brazoria: Your Weekly Mortgage Rate Update for Fort Bend, Harris, Brazoria, Montgomery County or anywhere in Texas. 12/29/2010 - 12/29/10 03:16 AM
Here is your weekly interest rate update:
Conventional 30 year Mortgage: 4.75%
Credit score:740
LTV:80%
Loan Amount:$200k
APR: 5.25%
FHA 30 year:4.625%
Credit Score:640
LTV:96.5%
loan amount:$200k
APR:5.55%
Conventional 15 year:4.125%
Credit score:740
LTV:80%
Loan Amount:$200k
APR:4.5%
 
Call me today if you are thinking of refinancing or buying a home, for the best mortgage rate possible. 

(0 comments)

brazoria: Your Weekly Mortgage Rate Update for Fort Bend, Harris, Brazoria, Montgomery County or anywhere in Texas. 12/22/2010 - 12/22/10 03:37 AM
Here is your weekly interest rate update:
Conventional 30 year Mortgage: 4.75%
Credit score:740
LTV:80%
Loan Amount:$200k
APR: 5.25%
FHA 30 year:4.375%
Credit Score:640
LTV:96.5%
loan amount:$200k
APR:5.25%
Conventional 15 year:3.875%
Credit score:740
LTV:80%
Loan Amount:$200k
APR:4.45%
 
Call me today if you are thinking of refinancing or buying a home, for the best mortgage rate possible. 

(0 comments)

brazoria: Your Weekly Mortgage Rate Update for Fort Bend, Harris, Brazoria, Montgomery County or anywhere in Texas. 12/15/10 - 12/15/10 04:03 AM
Here is your weekly interest rate update:
Conventional 30 year Mortgage: 4.875%
Credit score:740
LTV:80%
Loan Amount:$200k
APR: 5.425%
FHA 30 year:4.625%
Credit Score:640
LTV:96.5%
loan amount:$200k
APR:5.45%
Conventional 15 year:4.25%
Credit score:740
LTV:80%
Loan Amount:$200k
APR:4.65%
 
Call me today if you are thinking of refinancing or buying a home, for the best mortgage rate possible. 

(0 comments)

brazoria: Working with a responsible loan officer will help you get to closing! - 12/10/10 06:32 AM
Thank you Patrick for this very kind post.  It is very important to work with a responsible and educataed mortgage banker.  Remember your loan rests in the hands of your mortgage professional not the company they work for.  call me today to make sure you are getting the best mortgage possible.  www.DaveYourMortgageGuy.com.

I have to say that in the current market situation, even if you have a ready and willing buyer, it is even more important to have the buyer qualify by a responsible lender. One who would go just an extra mile to look deeper into credit checks and asking the … (0 comments)

 
David Krichmar, DaveYourMortgageGuy.com (www.DaveYourMortgageGuy.com - Legend Lending) Rainmaker large

David Krichmar

DaveYourMortgageGuy.com

Sugar Land, TX

More about me…

www.DaveYourMortgageGuy.com - Legend Lending

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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