Premier Mortgage Lender, specializing in Home loans and mortgage refinance since 1987. If you have been turned down for home loan or mortgage refinance by another lender, give us 10 minutes, We say YES when others say NO. We are a government approved lender that specializes in FHA and VA loan products. Don't let a bank or another lender convince you that you must put 5%, 10%, or 20% down.
It just isn't true. In some cases $0 down. Closing costs may be included with the loan so that the only required down payment is 3% of the purchase price. FHA and VA loans allow borrowers even with not-so perfect credit purchase new homes with 3.5% down* and still maintain an excellent interest rate. Current FHA rate is 2.49%. We are centrally located in, Nueces County on the Gulf of Mexico at 5262 South Staples Suite 300,, TX 78411.
Our offices are open from 9 am to 6 pm Mon - Fri and you can call us at (361) 334-7903. Driving Directions from Padre Island head southwest on TX 361 South toward Access Rd Number 3. Turn right onto South Padre Island Dr/Park Rd 22. Continue onto JFK Memorial Causeway for about 5 miles, which turns into TX 358.
It just isn't true. In some cases $0 down. Closing costs may be included with the loan so that the only required down payment is 3% of the purchase price. FHA and VA loans allow borrowers even with not-so perfect credit purchase new homes with 3.5% down* and still maintain an excellent interest rate. Current FHA rate is 2.49%. We are centrally located in, Nueces County on the Gulf of Mexico at 5262 South Staples Suite 300,, TX 78411.
Our offices are open from 9 am to 6 pm Mon - Fri and you can call us at (361) 334-7903. Driving Directions from Padre Island head southwest on TX 361 South toward Access Rd Number 3. Turn right onto South Padre Island Dr/Park Rd 22. Continue onto JFK Memorial Causeway for about 5 miles, which turns into TX 358.
Services
What’s FHA/VA
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An FHA loan is insured by the Federal Housing Administration, a federal agency within the U.S. Department of Housing and Urban Development (HUD).
The FHA does not loan money to borrowers, rather, it provides lenders protection through mortgage insurance (MIP) in case the borrower defaults on his or her loan obligations.
Available to all buyers, FHA loan programs are designed to help creditworthy low-income and moderate-income families who do not meet requirements for conventional loans.
FHA loan programs are particularly beneficial to those buyers with less available cash.
The FHA does not loan money to borrowers, rather, it provides lenders protection through mortgage insurance (MIP) in case the borrower defaults on his or her loan obligations.
Available to all buyers, FHA loan programs are designed to help creditworthy low-income and moderate-income families who do not meet requirements for conventional loans.
FHA loan programs are particularly beneficial to those buyers with less available cash.
Prequal
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Even if you haven't so much as picked out houses to visit yet, it's important to see your mortgage professional first.
Why?
What can we do for you if you haven't negotiated a price, and don't know how much you want to borrow?
When we pre-qualify you, we help you determine how much of a monthly mortgage payment you can afford, and how much we can loan you.
We do this by considering your income and debts, your employment and residence situations, your available funds for down payment and required reserves, and some other things.
Why?
What can we do for you if you haven't negotiated a price, and don't know how much you want to borrow?
When we pre-qualify you, we help you determine how much of a monthly mortgage payment you can afford, and how much we can loan you.
We do this by considering your income and debts, your employment and residence situations, your available funds for down payment and required reserves, and some other things.
Gift
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For many buyers, especially first-time buyers, saving up the funds for the down payment can be a seemingly insurmountable hurdle to home ownership.
This doesn't have to be the case.
As your preferred mortgage company in Corpus Christi Tx, I can help you find creative ways to come up with your down payment.
One way to fund a down payment is by using a gift.
For many loan programs, a gift may be used for a portion or all of the required down payment.
Money given as a gift for a down payment can't come from anyone.
This doesn't have to be the case.
As your preferred mortgage company in Corpus Christi Tx, I can help you find creative ways to come up with your down payment.
One way to fund a down payment is by using a gift.
For many loan programs, a gift may be used for a portion or all of the required down payment.
Money given as a gift for a down payment can't come from anyone.
Fixed
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With a fixed-rate loan, your monthly payment of principal and interest never change for the life of your loan.
Your property taxes may go up (we almost said down, too!), and so might your homeowner's insurance premium part of your monthly payment, but generally with a fixed-rate loan your payment will be very stable.
So speak with your mortgage lender today.
Some fixed-rate mortgages are called "biweekly" mortgages and shorten the life of your loan.
You pay every two weeks, a total of 26 payments a year - which adds up to an "extra" monthly payment every year.
Your property taxes may go up (we almost said down, too!), and so might your homeowner's insurance premium part of your monthly payment, but generally with a fixed-rate loan your payment will be very stable.
So speak with your mortgage lender today.
Some fixed-rate mortgages are called "biweekly" mortgages and shorten the life of your loan.
You pay every two weeks, a total of 26 payments a year - which adds up to an "extra" monthly payment every year.
Closing Costs
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Should you consider financing closing costs, escrow reserves, or other cash needed at closing?
If you've built up some equity in your home, when you refinance, you may be able to "cash out" some of that equity to pay off credit cards or other revolving debt, improve your home, help pay for college, or anything else you can think of.
The same is true of refinancing costs: If you have enough equity in your home, you may be able to roll some of the cash due at closing into your loan.
Some of the "cash needed to close" as it's sometimes called includes settlement costs and fees, prepaid interest, escrow reserves, state or local government charges, or even extra funds needed to pay off your existing mortgage.
If you've built up some equity in your home, when you refinance, you may be able to "cash out" some of that equity to pay off credit cards or other revolving debt, improve your home, help pay for college, or anything else you can think of.
The same is true of refinancing costs: If you have enough equity in your home, you may be able to roll some of the cash due at closing into your loan.
Some of the "cash needed to close" as it's sometimes called includes settlement costs and fees, prepaid interest, escrow reserves, state or local government charges, or even extra funds needed to pay off your existing mortgage.
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