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FHA Home Loan

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.

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VA Loans

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.

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USDA Loans

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.

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Jumbo Loans

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).

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2 Decades of experience

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.

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Home buying journey in 5 simple steps!

01: Find Out How Much you can Borrow

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.

02

: Select the right loan program

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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03

: Apply for a loan

After figuring out which loans is the most beneficial for you. You can go ahead and start the application process.

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04

: Begin loan processing

Although lenders conform to standards set by government agencies, loan approval guidelines vary depending on the terms of each loan.

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05

: Close your loan

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.

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Alquiler versus compra: consideraciones clave para los compradores de viviendas en Texas

Alquiler versus compra: consideraciones clave para los compradores de viviendas en Texas

September 19, 20243 min read

“La decisión entre alquilar y comprar es un equilibrio entre su situación financiera actual y sus objetivos a largo plazo. Comprender las compensaciones es clave para tomar la decisión correcta.”

- Anónimo

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Introducción:

Para muchos tejanos, la decisión entre alquilar o comprar una casa es una de las decisiones financieras más importantes que enfrentarán. Ambas opciones tienen sus ventajas, pero la decisión correcta depende en última instancia de sus circunstancias personales, objetivos a largo plazo y preparación financiera. En este blog, exploraremos las consideraciones clave para determinar si alquilar o comprar es la mejor opción para su situación, centrándonos en los factores de asequibilidad que pueden guiarlo hacia la decisión correcta.

  1. Costos iniciales: alquiler versus compra

    • El alquiler normalmente requiere un compromiso financiero inicial menor, que incluye un depósito de seguridad y el primer mes de alquiler. Por el contrario, comprar una casa implica pagos iniciales, costos de cierre y otros cargos.

    • Comprenda cómo se comparan estos costos iniciales y cómo afectan su planificación financiera.

  2. Pagos mensuales: alquiler versus hipoteca

    • Los pagos de alquiler mensuales suelen ser predecibles, pero pueden aumentar con el tiempo. Los pagos de la hipoteca pueden fluctuar debido a los impuestos a la propiedad y al seguro, pero ser propietario de una vivienda le permite generar valor líquido con cada pago.

    • Compare los beneficios a largo plazo de generar capital con la flexibilidad del alquiler.

  3. Flexibilidad y Movilidad:

    • El alquiler proporciona más flexibilidad si espera mudarse con frecuencia, cambiar de trabajo o explorar diferentes ubicaciones. Comprar una casa es una inversión a largo plazo y puede que no tenga sentido si no planea quedarse en un lugar durante al menos algunos años.

    • Considere su estilo de vida y sus planes futuros al decidir entre alquilar o comprar.

  4. Mantenimiento y Reparaciones:

    • Al alquilar, el propietario suele ser responsable de las reparaciones y el mantenimiento. Como propietario de una vivienda, deberá presupuestar el mantenimiento continuo y las reparaciones inesperadas.

    • Evalúe si está preparado financiera y mentalmente para manejar las responsabilidades que conlleva ser propietario de una vivienda.

  5. Beneficios fiscales de ser propietario de vivienda:

    • Una de las principales ventajas financieras de comprar una casa es la posibilidad de obtener deducciones fiscales sobre los intereses hipotecarios y los impuestos sobre la propiedad.

    • Descubra cómo estos beneficios fiscales pueden compensar los costos de ser propietario de una vivienda y mejorar su situación financiera general.

  6. Construyendo equidad:

    • Ser propietario de una vivienda le permite acumular capital con el tiempo, lo que puede contribuir a su patrimonio a largo plazo. El alquiler, por otro lado, no ofrece las mismas oportunidades de crecimiento financiero.

    • Comprenda cómo generar capital a través de la propiedad de una vivienda puede ser un factor clave de riqueza y seguridad financiera.

  7. Condiciones del mercado y precios de las viviendas:

    • Texas ha experimentado un rápido crecimiento en los precios de las viviendas en los últimos años, lo que puede afectar la asequibilidad de la compra de una vivienda.

    • Analice las condiciones actuales del mercado y cómo pueden influir en su decisión de alquilar o comprar en función de la oferta, la demanda y las tendencias de precios de la vivienda en su zona.

  8. Planificación financiera a largo plazo:

    • Si ser propietario de una vivienda se alinea con sus objetivos a largo plazo, puede ofrecerle mayor seguridad y estabilidad financiera. Sin embargo, si su prioridad inmediata es ahorrar o mantener la flexibilidad, alquilar puede ser la mejor opción.

    • Explore how your long-term financial goals influence the choice between renting and buying.

Conclusión:

Decidir entre alquilar o comprar es una decisión compleja que depende de su situación financiera, preferencias de estilo de vida y objetivos a largo plazo. Al considerar cuidadosamente los costos, responsabilidades y beneficios de cada opción, puede tomar una decisión informada que se alinee con sus necesidades de asequibilidad y aspiraciones futuras. Ya sea que elija alquilar o comprar, tener una comprensión clara de su situación financiera le ayudará a avanzar con confianza y tranquilidad.

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Rudy Zarate

Rudy Zarate | NMLS #262973| Barrett Financial Group, L.L.C. | NMLS #181106

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Edwin Armilla

Mr. Zarate was very helpful through the whole lending process. Any questions I had were always answered in a timely manner. Very knowledgeable and great communication. Definitely would recommend to anyone.

Elaine Carrasco

As a Realtor, I give Rudy Zarate 5 stars. He always answered his phone and he provided top notch service, always providing updates for my buyers and myself, every step of the way. He certainly went the extra mile! Thank you, looking forward to doing business again soon!!

Steven Doran

Rudy is the man, he got it done! I have less than stellar credit and he made my dreams of home ownership a reality. We first talked in the summer and he gave me the right pointers to improve my credit to qualify for a loan. Today a few months later I just closed on my new home.

Rudy and team are amazing, and they are excellent at communicating and keeping you informed along the way. Communication is key when you’re doing something as big as applying for a mortgage, and Rudy has by far been the best mortgage broker I’ve had the pleasure of dealing with. I will definitely recommend him and use him again in the future if the opportunity arises.

Fernanda Alvarado

Rudy and his team helped me out so much!! Im so thankful for law firm Jackeline Gonzalez for recommending me to Texans Mortgage. Everything has been so smooth!!

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RUDY ZARATE | NMLS #262973 | Barrett Financial Group, L.L.C. | NMLS #181106

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