Our Mortgage Professionals manage their business portfolios with candor and integrity to ensure that your specific needs are understood and addressed with a comprehensive and personal home buying solution. We enthusiastically deliver home buying options customized to your individual objectives and expectations. Wallick & Volk is dedicated to serving new and existing home owners in utilizing mortgage management tools in a way that will maximize their financial investments for a lifetime.
Wallick & Volk has numerous loan programs to help ensure that you are placed in the right loan program, based specifically upon your individual needs. Wallick & Volk mortgage professionals are here to guide you every step of the way! Mortgages are complicated and without the right tools and information it can be difficult to understand the process.
We believe in making it easy. Here are some tools to help you navigate the mortgage process. Our Texas offices are licensed and examined by the Department of Savings and Mortgage Lending.
Wallick & Volk has numerous loan programs to help ensure that you are placed in the right loan program, based specifically upon your individual needs. Wallick & Volk mortgage professionals are here to guide you every step of the way! Mortgages are complicated and without the right tools and information it can be difficult to understand the process.
We believe in making it easy. Here are some tools to help you navigate the mortgage process. Our Texas offices are licensed and examined by the Department of Savings and Mortgage Lending.
Services
About
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To assist members of our community in their efforts to realize the great American dream of home ownership.
We do not simply provide mortgages.
We provide peace of mind by ensuring that each borrower's individual needs are understood, and that the options to address those needs will be carefully explained.
We are dedicated to helping our clients manage their mortgage to maximize its beneficial impact on their finances.
We treat each mortgage as an investment for a lifetime.
Wallick & Volk Mortgage is a premier, service-driven, family-oriented and experienced mortgage lender.
We do not simply provide mortgages.
We provide peace of mind by ensuring that each borrower's individual needs are understood, and that the options to address those needs will be carefully explained.
We are dedicated to helping our clients manage their mortgage to maximize its beneficial impact on their finances.
We treat each mortgage as an investment for a lifetime.
Wallick & Volk Mortgage is a premier, service-driven, family-oriented and experienced mortgage lender.
Leadership
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The Wallick & Volk management team is comprised of experienced mortgage banking leaders and savvy entrepreneurs, who bring dynamic leadership and innovation to the company.
They embody the Wallick & Volk culture of family and caring for our clients, while working tirelessly to ensure our team continues to grow and succeed.
Michael's main objective is to lead Wallick and Volk into its next phase of transformative growth by leveraging his extensive experience within the mortgage banking industry, capitalizing on the market's new competitive landscape and using his wealth of institutional knowledge of Wallick & Volk to propel the company forward.
They embody the Wallick & Volk culture of family and caring for our clients, while working tirelessly to ensure our team continues to grow and succeed.
Michael's main objective is to lead Wallick and Volk into its next phase of transformative growth by leveraging his extensive experience within the mortgage banking industry, capitalizing on the market's new competitive landscape and using his wealth of institutional knowledge of Wallick & Volk to propel the company forward.
Careers
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Wallick & Volk maintains a family atmosphere combined with a dedication to the support of our high volume, highly efficient Mortgage Professionals.
We are experienced lenders who believe family comes first.
As a premier mortgage lender, we are committed to the implementation of the finest, fastest, most user-friendly tools and techniques that industry technology and best practices provide.
Every member of our staff of Mortgage Professionals is an accomplished, experienced financial industry expert who shares our vision and passion.
We are experienced lenders who believe family comes first.
As a premier mortgage lender, we are committed to the implementation of the finest, fastest, most user-friendly tools and techniques that industry technology and best practices provide.
Every member of our staff of Mortgage Professionals is an accomplished, experienced financial industry expert who shares our vision and passion.
Loan Programs
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A conventional mortgage loan is a conforming mortgage that is eligible for purchase by Fannie Mae (FNMA) or Freddie Mac (FHLMC).
Fannie Mae and Freddie Mac are Government Sponsored Enterprises (GSEs), whose sole purpose is to provide affordable lending and liquidity to the mortgage market.
Conventional Mortgages are not insured or guaranteed by the federal government.
GSEs only buy loans such as fixed-rate and ARM mortgages that "conform" to their established loan guidelines.
In general, the credit, income, down payment and loan amounts of these conforming loans comply with certain pre-determined standards.
Fannie Mae and Freddie Mac are Government Sponsored Enterprises (GSEs), whose sole purpose is to provide affordable lending and liquidity to the mortgage market.
Conventional Mortgages are not insured or guaranteed by the federal government.
GSEs only buy loans such as fixed-rate and ARM mortgages that "conform" to their established loan guidelines.
In general, the credit, income, down payment and loan amounts of these conforming loans comply with certain pre-determined standards.
Fixed & Adjustable Rate
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Fixed-rate mortgages are the most common way to finance a home in the United States.
A fixed-rate mortgage, often referred to as the most straight forward of mortgages, is a fully amortizing loan where the interest rate on the note remains the same through the life of the loan, as opposed to loans where the interest rate may adjust or "float".
The most popular fixed rate term is 30 year, but a 15 year term is not uncommon.
An Adjustable Rate Mortgage (ARM) is a mortgage with an initial interest rate that typically lasts for a few years, and then adjusts periodically after that.
A fixed-rate mortgage, often referred to as the most straight forward of mortgages, is a fully amortizing loan where the interest rate on the note remains the same through the life of the loan, as opposed to loans where the interest rate may adjust or "float".
The most popular fixed rate term is 30 year, but a 15 year term is not uncommon.
An Adjustable Rate Mortgage (ARM) is a mortgage with an initial interest rate that typically lasts for a few years, and then adjusts periodically after that.
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