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 house is made of bricks and beams. A home is made of hopes and dreams.”
Introduction:
The process of looking for a home is thrilling but also overwhelming. It's a huge choice that could have a long-term impact on your life. There are crucial aspects to take into account before making your move, whether you're a first-time buyer or trying to upgrade to your dream house. To assist you in finding a property that genuinely feels like home, we'll lead you through the essential elements of house hunting in this comprehensive guide.
Establishing a reasonable budget is essential before you begin searching for ads. Take into account elements such as your down payment, regular mortgage payments, property taxes, insurance, and upkeep expenses. Financial stability is mostly dependent on staying within your budget.
Your new home's location is quite important. Consider your commute, the nearby schools, the ease of access to amenities, and the general atmosphere of the community. To get a sense of the region, visit it at various times of the day and week.
Make a list of the amenities and features that are a must-have (non-negotiable) and those that would be wonderful to have (like-to-have). This will enable you to focus on what is most important to you and help you narrow down your selections.
Think about your future goals. Do you intend to start a family or grow your current one? Will you require extra room in the future? You may avoid quickly outgrowing your home by planning ahead.
Never forego a thorough home examination. It may reveal potential problems with the property, enabling you to decide or bargain for repairs with the seller.
Remember to factor in closing costs, property taxes, insurance, and prospective renovation costs in addition to the purchase price. Unwelcome surprises can be avoided with a clear financial picture.
Even if you don't have any immediate plans to relocate again, think about the property's potential value. A house with a rising value over time might be a wise investment.
Long-term financial savings can be derived from energy-efficient features. Look for houses with good insulation, energy-saving appliances, and modern HVAC systems.
Verify the local crime rate and the area's security measures. Your peace of mind depends on your neighborhood's safety.
Know the regulations and costs of the HOA if the property is a part of one. Your quality of life may be significantly impacted by HOAs.
Don't make a hasty choice. Make several trips to the property, and think about bringing a friend or relative for a second opinion. Make sure it actually fulfills your demands by taking your time.
Look into any building or development projects that are in the works nearby. Your quality of life and property value may be impacted.
Conclusion:
Looking for a home is a thrilling endeavor that should be done with caution. You may make an informed choice that leads you to the ideal home by identifying your budget, ranking your needs, and doing extensive research. It's important to keep in mind that locating a home is just the beginning; you also need to select a place where you can start a family and make lifelong memories.
Disclaimer: This content is intended for general information purposes and not as personalized financial advice. For tailored guidance, consult with the experts at Texans Mortgage Group.
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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: 711 W Bay Area Blvd. Ste 286, Webster, TX 77598
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