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!
“An emergency fund is your financial safety net, providing security and peace of mind as you embark on homeownership.”
- Anonymous
Introduction:
Owning a home comes with unexpected expenses, making an emergency fund a vital component of financial planning. For first-time homebuyers, having a financial cushion can provide peace of mind and stability. In this part of our series, we’ll explore the importance of an emergency fund and how to build one effectively.
Why an Emergency Fund is Essential: An emergency fund is crucial for handling unexpected costs, like medical bills or car repairs, without derailing your finances. It acts as a financial safety net, reducing stress and providing peace of mind. Ideally, it should cover 3-6 months of living expenses, offering protection and stability during crises. Building this fund helps ensure you’re prepared for the unexpected, maintaining financial health and preventing debt accumulation. Start small and consistently contribute to grow your safety net and safeguard your future.
How Much to Save: Understanding how much to save in your emergency fund is crucial for financial stability. Experts recommend setting aside three to six months' worth of expenses. This cushion helps you manage unexpected costs and maintain your lifestyle during emergencies. By saving this recommended amount, you ensure you're prepared for life's uncertainties, from job loss to sudden repairs. Start building your emergency fund today to safeguard your financial future!
Setting Savings Goals: Setting clear savings goals starts with understanding your budget and financial situation. Break down your goals into short-term and long-term objectives, ensuring they are realistic and achievable. Track your progress regularly and adjust your goals as needed to stay on track. By aligning your savings targets with your financial capacity, you'll build a solid foundation for future financial success.
Automating Savings: Discover how automatic transfers to a savings account can effortlessly boost your financial health! By setting up automatic transfers, you ensure consistent savings without manual effort. This strategy helps you build your emergency fund, save for future goals, and manage unexpected expenses. With regular deposits, you harness the power of compounding interest and stay on track with your financial goals. Start automating your savings today to achieve financial stability and watch your savings grow steadily over time.
Cutting Unnecessary Expenses:Looking to boost your savings? Start by identifying areas where you can cut spending. Evaluate your monthly expenses and pinpoint non-essential costs. Consider dining out less often, canceling unused subscriptions, or shopping smarter for groceries. Small changes can add up quickly, leading to significant savings over time.
Supplemental Income:Looking to boost your income? Consider exploring side jobs or freelance work. From freelance writing and graphic design to tutoring and ride-sharing, there are numerous opportunities to supplement your earnings. Side gigs offer flexibility and the potential to turn hobbies into cash. Dive into platforms like Upwork or Fiverr to find freelance gigs that match your skills. Balancing a side job with your main job can be manageable and rewarding, helping you achieve your financial goals faster. Explore these options to enhance your income and secure a more robust financial future.
High-Yield Savings Accounts: Discover how high-yield savings accounts can supercharge your savings growth. Learn the benefits of these accounts, including higher interest rates compared to traditional savings accounts, and how they can help you achieve your financial goals faster. Maximize your savings potential and accelerate your financial growth by leveraging these powerful tools. Start boosting your savings today and watch your money work harder for you!
Maintaining the Fund: Keeping your emergency fund intact is crucial for financial stability. To maintain it, set aside a fixed percentage of your income each month. Prioritize replenishing it after any withdrawals by automating deposits into your savings account. Track expenses to prevent unnecessary withdrawals and review your budget regularly to adjust savings goals. Consider using a high-yield savings account to grow your fund faster. Building and maintaining a robust emergency fund ensures you're prepared for unexpected expenses without derailing your financial plans.
Conclusion:
With an emergency fund in place, you’re better prepared for the unexpected challenges of homeownership. In our next blog, we’ll guide you through the home buying process, from making an offer to closing the deal. The Next blog will be published on August 07, 2024, at 11:00 a.m.
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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