brazoria county: The Difference Between VA Loan Eligibility and VA Loan Approval in Fort Bend, Harris, Brazoria, Montgomery County or anywhere in Texas - 06/16/11 02:40 AM
 
This is great information to remember when getting a VA loan.  If you are a Veteran and thinking of buying a home, make sure to locate your DD214 form.  And give it to your mortgage lender right away.  It will make your mortgage process go smoother.  www.DaveYourMortgageGuy.com 
VA home loans have two different stages for the first time home buyer. The first is the initial stage where the borrower applies for VA loan eligibility, which is simply the process of submitting paperwork to the Department of Veterans Affairs establishing that the borrower is a veteran eligible for the benefit itself.
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brazoria county: Your Weekly Mortgage Rate Update for Harris, Fort Bend, Brazoria, Montgomery County or anywhere in Texas. 3/30/11 - 03/30/11 04:49 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:4.5%
Credit Score:640
LTV:96.5%
loan amount:$200k
APR:5.5%
Conventional 15 year:4%
Credit score:740
LTV:80%
Loan Amount:$200k
APR:4.875%
 
Call me today if you are thinking of refinancing or buying a home, for the best mortgage rate possible. 

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brazoria county: Your Weekly Mortgage Rate Update for Fort Bend, Harris, Montgomery, Brazoria County or anywhere in Texas. 3/2/11. 4.5% on a 30yr FHA - 03/02/11 05:24 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. 


 
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brazoria county: Search REMAX.Com with New Mobile Browser! - 08/12/10 04:56 AM
 
The newly optimized remax.com website makes it easy for you and consumers to search millions of properties from any mobile device. remax.com identifies consumers searching from a mobile device and automatically displays web pages that are optimized for mobile viewing. Download the Mobile Flyer for more information.
Visitors can access the site whenever and wherever they are. They can search millions of properties by area or address, and request more information, all from their mobile device.* This allows consumers to take advantage of the brand-new address search feature. This feature gives prospective buyers the opportunity to look up listing information on the spot … (1 comments)

brazoria county: Sugar Land police are investigating several thefts involving a man posing as a police officer. - 08/10/10 05:02 AM
 In each instance, a man approached a Middle Eastern or Asian person, displayed a gold badge, identified himself as a police officer and said he was conducting an investigation. The police imposter told his victims he needed to examine the contents of their wallets, removed credit cards while the owners were distracted, then returned the wallets. The stolen credit cards were later used to make purchases at local stores.             The thefts occurred on:  ·         July 29, at 12:30 a.m., at Starbucks, 16098 City Walk; ·         July 30, at 1:30 p.m., at Bally's Total Fitness, 13444 Southwest Freeway; and ·         July 31, at 9 p.m., in the Lake Point … (4 comments)

brazoria county: VA Loans for Surviving Spouses Part II - 08/09/10 12:51 PM
 

In my last blog post I discussed VA home loan benefits for surviving spouses of veterans who died on active duty. Many people aren’t aware that surviving spouses may qualify for VA home loan benefits, but the Department of Veterans Affairs makes a distinction between surviving spouses of veterans who died on active duty and surviving spouses of those who died “as a result of military service”.These spouses aren’t denied a chance to apply for benefits, but the application requirements are different. For spouses who already receive Dependency and Indemnity Compensation (DIC), there is no need to send any … (0 comments)

brazoria county: Houston Man battles HOA over the use of Burglar Bars - 08/09/10 11:54 AM
Brady Roberts lives in a town home in the Ballpark Plaza development.  This area near Minute Maid park is a combination of newer town homes and old warehouses.  While many of the Warehouses are coming down to make room for new construction, there is still robberies in the area.  As Brady puts it "After I heard about the other continuing robberies, home invasions, even while people were home, that's when I decided to go ahead and install my burglar bars immediately and send in my application to the board,".  Seems like the right thing to do.  Well the HOA did not … (2 comments)

brazoria county: FHA Mortgage Insurance is Changing. A MUST READ - 08/07/10 04:32 AM
As of August 5, 2010 Congress passed bill H.R. 5981, this bill effectively changes the upfront mortgage insurance premium (MIP) and monthly mortgage insurance for FHA loans.  The good news is the upfront mortgage Insurance is being reduced to 1.00%.  This is down from a high of 2.25%.  This mortgage insurance was usually rolled into the mortgage, not affecting the clients all that much.  This is good news, thou.
 
Now the bad news.  The monthly mortgage insurance is going from .55% to .85%-.90%.  This change is for 30year mortgages only.  If the loan to value(LTV)  is over 95%(max 96.5%) the … (0 comments)

brazoria county: Are you trying to Avoid Foreclosure? www.KnowYourOptions.com - 08/04/10 01:28 PM
 
Fannie Mae has recently come out with a great website if you are facing foreclosure.  www.KnowYourOptions.com.  This website is very helpful if you do not know where to start.  Some of the helpful options on the website are:
 
Options to Stay in Your Home Options if you want to leave your home How to avoid Scams Find out if Fannie Mae owns your mortgage and how they can help  
 
Even if your Mortgage is not owned by Fannie Mae, this website still has very helpful information.   While everyone's situation is different, this website is very helpful on … (0 comments)

brazoria county: Pay Attention to Your Credit Cards Fees, They maybe trying to trick you. - 08/04/10 06:15 AM
Yahoo.com recently had a great article on the new changes many credit card companies are making.  The Credit Card Accountability Responsibility and Disclosure Act of 2009, known as the Card Act was suppose to help the consumer against unfair credit card fees.  Since this Act could lose the credit card companies $390 million in revenue, they have come up with some ways to get that money back.  Here are just some of the tricky ways they are trying to do it:
 
Increasing Rates- Per the new Act the credit card companies are not allowed to increase your rate on your … (1 comments)

brazoria county: Your Weekly Mortgage Rate Update for Fort Bend, Brazoria, Montgomery, Harris County or anywhere in Texas. 7/4 - 08/04/10 04:33 AM
Here is your weekly mortgage rate update:
Conventional 30 year Mortgage: 4.25%
Credit score:740
LTV:80%
Loan Amount:$200k
APR: 4.875%
FHA 30 year:4.25%
Credit Score:640
LTV:96.5%
loan amount:$200k
APR:5.95%
Conventional 15 year:3.75%
Credit score:740
LTV:80%
Loan Amount:$200k
APR:4.05%
 
Call me today if you are thinking of refinancing or buying a home, for the best mortgage rate possible. 
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brazoria county: Conroe Market Report - 08/03/10 06:35 AM
This is great info if you are thinking of buying a home in the Montgomery County(Texas) area.  www.DaveYourMortgageGuy.com. 

MARKET REPORT - MONTGOMERY COUNTY
MLS area 19: Conroe and the immediate surrounding area.
MLS area 19, one of four MLS areas that comprise Montgomery County, is the third most active MLS area in our county. It normally averages about 15% of this county's home sales. So how did it do in the first six months of 2010 versus 2009? The answer is............ FANTASTIC!
Single family residence sales increased an astonishing 27.76% over the first six months of 2009. Yes that's correct. A 27.76% … (0 comments)

brazoria county: Top 10 Cities with the Lowest Cost of Living, McAllen and Harlingen make the List - 08/02/10 07:00 AM
Klipinger.com just released their ranking of the top 10 least expensive cities to live in.  They compiled their rankings based on the ACCRA Cost of Living Index produced by the Council for Community and Economic Research. The Index measures relative price levels for housing, utilities, transportation, grocery items, health care and miscellaneous goods and services (it does not include taxes).  So their research covers all aspects of life.  Here are the two cities in Texas that made the list:
 

3. Harlingen- It is the southernmost city in Texas.  The cost of housing is below the national average.  Harlingen is … (1 comments)

brazoria county: 5 Things you SHOULD always RECYCLE - 07/30/10 04:18 AM
1.  ELECTRONICS - You'll keep toxic materials like lead, mercury, cadmium, arsenic, & brominated flame retardants out of landfills. And useful materials will be recovered, saving energy & resources.
2. RECHARGEABLE BATTERIES - Batteries contain heavy metals & other chemicals best kept out of the waste stream. 
3. COMPACT FLUORESCENT LIGHT BULBS -  Use 75% less energy than incandescent light bulbs but contain a small amount of mercury so they should not be thrown in the trash.
4. PLASTIC BAGS -  They're made from petroleum, a non-renewable resource & when thrown away they take a very long time to decompose.
5. … (4 comments)

brazoria county: You have a chance to win a $25 Gift Card when parking at Town Square in Sugar Land - 07/28/10 11:18 AM
Sugar land Town Square currently has a parking campaign.  Now thru the rest of the Summer they will award a $25 town square gift card to random winners.  These winners must park in any of the 3 FREE parking Garages.  Park for free and Good Luck winning a Gift Card.  For more information go to Town Squares website www.sugarlandtownsquare.com.  Here is a map of where the parking garages are located.
 
 
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brazoria county: Man fights to park in his own Driveway - 07/28/10 08:36 AM
My Fox in Tampa Bay(www.myfoxtampabay.com) recently reported about A.J. Vizzi and his fight to park in his own drive way.  When A.J. moved into his home he was told he could park in his driveway.  This was important to him since his truck is oversized for his garage.  The Eagles Masters Assoc, his homeowners assoction said he was in violation and could not park his truck there.  A.J. took them to court and 2 years later the case was ruled in his favor.  The HOA challenged the verdict and finally it was settled for $187k which covered AJ's legal fees.  What … (7 comments)

brazoria county: Now Is The Best Time to Buy a Home or Refinance Your Home - 07/28/10 07:43 AM
As I am sure you know the homebuyer tax credit is gone.  But do not fear, now is even a better time to buy a home.   Below is part of an article from the Ohio Association of Realtors:
"Missing the tax credit deadline might have seemed like a big mistake to some home buyers, but waiting could have been the smartest thing to do.
Interest rates have fallen so dramatically since April 30th that the typical purchaser of a $350,000 home, financed with a $280,000 mortgage, would have saved a bundle by waiting until May.
At April's average rate of 5.34%, … (0 comments)

brazoria county: Your Weekly Mortgage Rate Update for Sugar Land, Pearland, Houston or anywhere in Texas. 7/28. 3.75% on a 15yr mortgage - 07/28/10 04:52 AM
Here is your weekly mortgage rate update:
Conventional 30 year Mortgage: 4.25%
Credit score:740
LTV:80%
Loan Amount:$200k
APR: 4.875%
FHA 30 year:4.25%
Credit Score:640
LTV:96.5%
loan amount:$200k
APR:5.95%
Conventional 15 year:3.75%
Credit score:740
LTV:80%
Loan Amount:$200k
APR:4.05%
 
Call me today if you are thinking of refinancing or buying a home, for the best mortgage rate possible. 
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brazoria county: Your Weekly Mortgage Rate Update for Fort Bend County, Harris County, Brazoria County or anywhere in Texas. 7/28 - 07/28/10 04:43 AM
Here is your weekly mortgage rate update:
Conventional 30 year Mortgage: 4.25%
Credit score:740
LTV:80%
Loan Amount:$200k
APR: 4.875%
FHA 30 year:4.25%
Credit Score:640
LTV:96.5%
loan amount:$200k
APR:5.95%
Conventional 15 year:3.75%
Credit score:740
LTV:80%
Loan Amount:$200k
APR:4.05%
 
Call me today if you are thinking of refinancing or buying a home, for the best mortgage rate possible. 
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brazoria county: Houston Real Estate Market Report – June 2010 - 07/27/10 04:16 AM
This is good information if you are interested in buying a home in Houston, Texas.  www.DaveYourMortgageGuy.com

Even with the ending of the Federal First Time Homebuyers Tax Credit, Houston Realtors are still reporting positive growth. In June of 2010, the Houston Real Estate Market showed a 2.9% increase in single family sales compared to June of 2009. Sales volume in all price sectors showed gains with the exception of the $150,000 - $250,000 sector. There are many reasons why this portion of the market did not see positive growth. One nice surprise was a 4.1% increase in the $500,000 and up … (0 comments)

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

David Krichmar

DaveYourMortgageGuy.com

Sugar Land, TX

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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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