We specialized in first-time homebuyers, second homes, investments, and other loan products. My two decades of experience will ease your worries. Inquire about the best home loan programs in Texas that we can offer.
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Fixed-rate conventional mortgages
ITIN, Non-QM Loans
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Whatever the case may be, it's best that you inquire and talk to me. Let's see how I can help you and explore your options.
Inquire for the best loan options that you can get.
FHA home loans are mortgages which are insured by the Federal Housing Administration (FHA), allowing borrowers to get low mortgage rates with a minimal down payment.
The VA Loan provides veterans with a federally guaranteed home loan which requires no down payment. This program was designed to provide housing and assistance for veterans and their families.
If you're looking to buy a home in a rural or suburban area with no down payment and minimal investment, you might consider the USDA Rural Development Loan.
Jumbo Loans are used to finance properties that are too expensive for a conventional conforming loan. There's maximum amount for a conforming loan as determined by the Federal Housing Finance Agency (FHFA).
As an experienced loan officer in Texas, you can count on me to guide you through the mortgage process. Whether you are a first-time homebuyer, a current homeowner wanting to refinance an existing mortgage or add an investment property to your rental portfolio, my focus is on providing a five-star customer experience. Texans Mortgage Group - powered by Barrett Financial offers competitive interest rates and a wide range of loan products from fixed-rate conventional mortgages to FHA, VA, Jumbo loans as well as down-payment assistance programs.
NMLS# 262973 Co. NMLS #181106
No-hassle loan applications
Step-by-step guide in closing your loans
The first step in obtaining a loan is to determine how much money you can borrow. In case of buying a home, you should determine how much home you can afford even before you begin looking. By answering a few simple questions, we will calculate your buying power, based on standard lender guidelines.
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Home loans come in many shapes and sizes. Deciding which loan makes the most sense for your financial situation and goals means understanding the benefits of each.
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After figuring out which loans is the most beneficial for you. You can go ahead and start the application process.
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Although lenders conform to standards set by government agencies, loan approval guidelines vary depending on the terms of each loan.
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After your loan is approved, you are ready to sign the final loan documents. You must review the documents prior to signing and make sure that the interest rate and loan terms are what you were promised.
Read our guides and more -- check out our blogs!
“A thorough termite and pest inspection can save you from unexpected repairs and ensure that your dream home doesn't come with hidden issues.”
- Anonymous
Introduction:
When buying a home in Texas, it’s easy to focus on the aesthetics and layout, but what lies beneath the surface can be just as important. One often-overlooked aspect of the home inspection process is the termite and pest inspection. Pests like termites can cause significant structural damage that can be expensive to repair if left untreated. In this blog, we’ll explore why termite and pest inspections are a must for homebuyers in Texas and how they can protect your investment and peace of mind.
Why Are Termite and Pest Inspections Important?
Termites and other pests can cause extensive damage to a home’s foundation, walls, and wooden structures. These damages can weaken the integrity of the home, leading to costly repairs.
Learn how termite and pest inspections provide crucial information about the unseen issues that could affect the safety and longevity of your home.
What Does a Termite Inspection Cover?
During a termite inspection, a licensed inspector will thoroughly examine your home for signs of termite infestation, including damaged wood, mud tubes, and discarded wings.
Understand the key indicators of termite activity and why it’s essential to address infestations before closing on your new home.
Common Pests in Texas Homes:
In addition to termites, Texas homes may be prone to other pests like ants, roaches, rodents, and carpenter bees. Each of these pests can damage your home or pose health risks.
Discover the types of pests commonly found in Texas homes and how inspections can help identify potential threats.
How Termites Affect Your Home’s Condition and Value:
A termite infestation not only compromises the structural integrity of your home but can also decrease its market value. Homes with untreated infestations may be harder to sell in the future.
Learn how pest damage can affect the overall condition of the home and impact your investment.
Cost of Pest-Related Repairs:
Pest-related damage can be costly to repair, especially if the infestation has been ongoing. Termite damage, in particular, can require extensive structural repairs, which can affect your budget as a homeowner.
Get an understanding of the potential financial burden that comes with ignoring pest inspections during the homebuying process.
Prevention and Treatment Options:
If a termite or pest issue is identified, there are various treatment and prevention options available. Treatment plans often include fumigation, baiting systems, and chemical treatments.
Explore different pest control strategies and how regular inspections can prevent future infestations from damaging your home.
Should You Make Termite Inspections a Contingency?
In Texas, many homebuyers include termite inspections as a contingency in the home purchase agreement. This ensures that if pests are found, the seller is responsible for treatment or repairs before the sale is finalized.
Learn how to negotiate termite inspections into your contract to protect your interests.
Choosing a Licensed Inspector:
It’s important to hire a licensed pest inspector who is experienced and reputable. A thorough inspection will provide peace of mind and a full understanding of the home’s condition.
Get tips on finding a qualified inspector who can accurately assess the presence of pests and suggest effective treatment options.
Conclusion:
Termite and pest inspections are an essential part of the homebuying process, especially in Texas, where pests can cause significant damage. By including these inspections in your home inspection checklist, you can avoid costly surprises and protect your investment. Whether you’re a first-time buyer or an experienced homeowner, ensuring your new home is pest-free will give you the confidence to move forward and enjoy your property for years to come.
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Reviews were imported from Google & Facebook
The best trio! I had the pleasure of working with Patricia and she has been of great assistance throughout the entire process. Even after we closed on our home she is there to answer any questions. Highly recommended, the best. Rudy and Team, thank you!!!
Rudy and the staff are so nice you get the good vibe when you walk in very sweet front desk girl I’m very blessed to have friends like Rudy se los recomiendo *5
Rudy and the rest of the staff are so helpful and welcoming. They make you feel like family even after the whole process is over. Everyone knows that the home buying process is not a walk in the park, it’s stressful, it’s frustrating at times but with Texas Mortgage Lender you never feel that way. They help you every step of the way, best decision I ever made. I have been in my home since 2017.
Best customer service at this location
Address: 16821 Buccaneer Lane, Suite 200, Houston, TX 77058
COMPANY NMLS: 181106
RUDY ZARATE | NMLS #262973 | Barrett Financial Group, L.L.C. | NMLS #181106
View complaint policy at www.barrettfinancial.com/texas-complaint
This is not a commitment to lend. All loans are subject to credit approval.
Our Houston, TX Office:
(281) 747-6699
Our McAllen, TX Office:
(956) 255-0454
Operating Hours:
Mon 08:30 am – 05:30 pm
Tue 07:30 am – 04:30 pm
Wed 07:30 am – 04:30 pm
Thu 08:30 am – 05:30 pm
Fri 07:30 am – 04:30 pm
Weekends Closed