Real estate blog entries tagged with houston by David Krichmar, DaveYourMortgageGuy.com (www.DaveYourMortgageGuy.com - Legend Lending)

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houston: George Clooney is Coming to Houston, May 3rd, 2012 - 03/21/12 04:45 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.

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houston: Your Weekly Mortgage Rate Update For Sugar Land, Katy, Houston, Pearland, The Woodlands, Conroe or anywhere in Texas. 3/21/12 - 03/21/12 01:11 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.

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houston: I'll Take HUD Homes For $100, Alex - 03/15/12 11:53 PM

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.
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 make a home eligible to be a HUD Home?

First Things First
HUD is an acronym for the … (0 comments)

houston: Your Weekly Mortgage Rate Update For Sugar Land, Katy, Houston, Pearland, The Woodlands, Conroe or anywhere in Texas. 3/14/12 - 03/14/12 12:59 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.

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houston: FHA Mortgage Insurance is Increasing on April 9th. - 03/11/12 06:36 AM

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)

houston: Your Weekly Mortgage Rate Update For Sugar Land, Katy, Houston, Pearland, The Woodlands, Conroe or anywhere in Texas. 2/29/12 - 02/29/12 01:14 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)

houston: FHA Loans with Credit Scores under 640 in Texas. 620, 580 - 02/24/12 04:23 AM

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 6%
·         Must be a Citizen or Non Resident Alien(Green Card), no Immigration Visas. Immigration Visas are allowed for credit … (12 comments)

houston: Your Weekly Mortgage Rate Update For Sugar Land, Katy, Houston, Pearland, The Woodlands, Conroe or anywhere in Texas. 2/22/12 - 02/21/12 11:53 PM

houston: How do I Find a FHA Approved Condo for My Homebuyer? - 02/20/12 01:51 AM

As you know condo financing has become much much much harder! But what do you do if you are working with a homebuyer who is FHA approved and wants to buy a condo. You can not rely on the listing agent’s comments on if it is approved for FHA financing, since some times they are wrong or their information is out of date. And you can’t drive all over the city hoping to find a condo your client likes and cross your fingers it is FHA approved. So here are the 3 quick steps to find FHA approved condos for your … (2 comments)

houston: Your Weekly Mortgage Rate Update For Sugar Land, Katy, Houston, Pearland, The Woodlands, Conroe or anywhere in Texas. 2/15/2012 - 02/15/12 06:02 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:3.625%
Credit Score:640
LTV:96.5%
loan amount:$200k
APR:4.85%
Conventional 15 year:3.125%
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)

houston: Your Weekly Mortgage Rate Update For Sugar Land, Katy, Houston, Pearland, The Woodlands, Conroe or anywhere in Texas. 1/25/2012 - 01/25/12 02:10 AM

Here is your weekly interest rate update:
Conventional 30 year Mortgage: 4%
Credit score:740
LTV:80%
Loan Amount:$200k
APR: 4.375%
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:3.70%

Call me today if you are thinking of refinancing or buying a home, for the best mortgage rate possible.

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houston: 9 Benefits of the VA Mortgage - 01/17/12 08:11 AM

One of the greatest benefits to being a Veteran is the VA Mortgage. Whether you are buying a home or refinancing that home, you can not beat a VA Loan. Here are 9 benefits to them:

1.      0% Down Payment- When you purchase a home with your VA loan benefits you can purchase it with No Down Payment. Unlike a FHA loan or Conventional, that do require a down payment of at least 3.5% or more
2.      No Monthly Mortgage Insurance- VA Loans do not require monthly mortgage insurance. Giving you a great low payment.
3.      Fess the Seller … (2 comments)

houston: Your Weekly Mortgage Rate Update For Sugar Land, Katy, Houston, Pearland, The Woodlands, Conroe or anywhere in Texas. 1/11/12 - 01/11/12 02:35 AM

Here is your weekly interest rate update:
Conventional 30 year Mortgage: 4%
Credit score:740
LTV:80%
Loan Amount:$200k
APR: 4.45%
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:3.70%

Call me today if you are thinking of refinancing or buying a home, for the best mortgage rate possible.

… (2 comments)

houston: What is an Empanada??? Find out… at The Original Marini’s Empanada House in Cinco Ranch, Katy Texas - 01/05/12 03:47 AM

What is an Empanada? As my dad likes to say “its like an apple pie from McDonald’s, but with stuff in it”. Yep, that sums it up. But let’s get a better definition from Wikipedia:

“An empanada is a stuffed bread or pastry baked or fried in many countries in Latin America, Southern Europe and parts of Southeast Asia. The name comes from the verb empanar, meaning to wrap or coat in bread. Empanada is made by folding a dough or bread patty around the stuffing. The stuffing can consist of a variety of meats, cheese, huitlacoche, vegetables … (0 comments)

houston: Your Weekly Mortgage Rate Update For Sugar Land, Katy, Houston, Pearland, The Woodlands, Conroe or anywhere in Texas. 1/4/12 - 01/04/12 02:11 AM

Here is your weekly interest rate update:
Conventional 30 year Mortgage: 3.875%
Credit score:740
LTV:80%
Loan Amount:$200k
APR: 4.35%
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:3.70%

Call me today if you are thinking of refinancing or buying a home, for the best mortgage rate possible.

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houston: HomePath Mortgage vs FHA Loan- Which is best for you? - 01/03/12 08:20 AM

Often I am asked which is a better loan for a homebuyer, A HomePath Mortgage or a FHA Loan? It is actually not a clean cut answer for everyone. So I wanted to take the time to go over the benefits of each. And what you need to think about when making a decision between a HomePath or FHA mortgage. Keep in mind this is only in regards to buying a Fannie Mae Foreclosure.
HomePath Mortgage
The HomePath Mortgage Program is a GREAT program if you are looking to only purchase a Fannie Mae foreclosure. The benefits are:
No mortgage insurance- … (7 comments)

houston: DaveYourMortgageGuy.com has been Voted the #1 Mortgage Company in Houston, Texas. 2011 - 01/02/12 07:53 AM

For the 2nd year in a row www.DaveYourMortgageGuy.com has been voted the #1 Mortgage Company in Houston Texas, by Tops in Texas. And this was with over 93% of the votes. I would like to thank everyone who voted for me this year. And for their support. To see the results please click on: Best Mortgage Co and click on View Results. When getting a mortgage make sure to know all your options:
FHA Loans
VA Mortgages
MCC Tax Credit for Home Buyers
USDA loans for Rural Homes
Homepath Mortgage
Immigration Visa Mortgage
Refinancing Your Home
Call me today to make sure … (2 comments)

houston: Your Weekly Mortgage Rate Update For Sugar Land, Katy, Houston, Pearland, The Woodlands, Conroe or anywhere in Texas. 12/28/11 - 12/28/11 03:36 AM

houston: Your Weekly Mortgage Rate Update For Sugar Land, Katy, Houston, Pearland, The Woodlands, Conroe or anywhere in Texas. 12/21/11 - 12/21/11 05:38 AM

Here is your weekly interest rate update:
Conventional 30 year Mortgage: 3.875%
Credit score:740
LTV:80%
Loan Amount:$200k
APR: 4.45%
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:3.70%

Call me today if you are thinking of refinancing or buying a home, for the best mortgage rate possible.

… (0 comments)

houston: Dave Your Mortgage Guy.com Testimonial- Joanne Gusey - 12/19/11 05:19 AM

“It is I who will thank you. 1 and a 1/2 years and I still walk around saying "I love my house." You made it possible. You're the greatest and I will try to vote every day(for Best Mortgage Co in Houston) but with 92% of the vote already, if I miss one day you are covered”

Again, many thanks,
Joanne

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