Mortgage Loans in Texas John Stamos - Your Personal Lender - NMLS# 329126 WBM Corpus Christi: NMLS# 297376 Click here for Texas Recovery Fund Notice http://www.sml.texas.gov/ConsumerInformation/tdsml_recovery_fund_claims.html
All aspects of residential financing, specializing in Interim Construction.
Mortgage Rates Remain Stable to Start 2020 | realtor.com® https://www.realtor.com/news/trends/to-start-2020-mortgage-rates-remain-stable/
realtor.com Improved economic data and market sentiment has contributed to interest-rate stability in recent weeks.
When it comes to your mortgage, qualification ratios may seem like something from your high school calculus class. It's actually not rocket science. The math is simple, and the concept is sound.
Income Ratio is your total monthly housing payment as a percentage of your gross monthly income. Your total housing payment consists of principal, interest, property taxes, hazard insurance, mortgage insurance (if applicable) and any condo/co-op or association fees.
Debt Ratio is your total monthly housing payment plus any recurring monthly debts as a percentage of your gross monthly income. Other debts include all other payments such as cars, credit cards, student loans, personal loans, retirement savings loans, etc.
How High Can they Go? It varies by loan program and other factors, but the approximate range for your debt ratio is from about 33% to 43%.
Example: If your total gross income is $5,000 per month, your total housing payment plus recurring debt payments should not exceed approximately $2,150 for a 43% ratio or $1,650 for 33% ratio.
What's Right for Me? Truth is, everyone is different. Some people are comfortable using a higher percentage of their income, and others are not. Family size, other expenses and lifestyle can all have an impact.
I'm happy to take the time to go through the numbers with you. Together, we can help determine a comfortable payment and corresponding purchase price. Reach out today.
Happy New Year Everybody!!!
Just an FYI... Our office is closed today. We will resume normal business hours tomorrow 1/02/2020.
Hope you all are having a fun and safe New Year day
Another amazing year is rounding out and coming to an end.
But no need to worry, because a new year is upon us and with it comes the blessing of new and cherished memories to decorate your life with, new and exciting opportunities and challenges, new goals to smash and new chances to make the wrongs of the past right.
Let's all accept these blessings with open arms and in doing so, learn to break bad habits, end dead cycles, take time to learn new skills, do good deeds, visit new places, try new foods and take new and calculated risks!
Wishing you all the best in life.
Here's to good health, happiness and prosperity in this year and all the years to come! Happy New Year!
Doing some #budget planning for 2020? Don't forget to leave space for #home maintenance and repairs along with all those streaming subscriptions! http://bit.ly/2HqiuJ4 https://bit.ly/2HqiuJ4?fbclid=IwAR1ik3SrdqgVsg3YX2t215rB3OXHaZotqtbLibkaaysBv8gEX_bnvhRuuQc
readynest.com Creating a home repair and maintenance budget will help you plan for expenses, keep your home in good shape and protect your investment.
The iconic ball has more than 30,000 sparkling LED lights––and it's getting a test run 👀✨ https://facebook.com/InTheKnowInnovationAOL/videos/516293035647805/
The iconic ball has more than 30,000 sparkling LED lights––and it's getting a test run 👀✨
Today is Mortgage 101 Monday and the mortgage term of the day is Letter of Explanation or (LOE). Please feel free to reach out if you have questions about LOE's or anything else related to mortgages.
Wow! So darned cool!
Who would be up for this?
You can sleep under the stars in this bubble tent hotel https://facebook.com/InTheKnowWanderlustByAOL/videos/745990035902327/
You can sleep under the stars in this bubble tent hotel
What Is a Plat Map? It Tells You a Lot About Your Property | realtor.com® https://www.realtor.com/advice/buy/what-is-a-plat-map/
realtor.com If you're buying a house, it's wise to take a look at your property's plat map. What is a plat map? Learn about this very important real estate document.
Wishing you all a very happy Holiday Season and a peaceful and prosperous New Year to come!
My warmest wishes to you and yours for all of 2020 and beyond.
'Tis The Season of giving, and I would like to give a huge thank you from the bottom of my heart to all of my cherished customers.
Have a happy Holiday Season and a very Merry Christmas!
I look forward to making more dreams of HomeOwnership come true in the year to come!
Today's Mortgage 101 Monday term of the day is Rate Lock. To learn more about rate locks or anything else related to mortgages please feel free to reach out.
Such a kind and caring little soul.
"I couldn't believe that a 5-year-old could think of doing something like that." https://www.yahoo.com/now/student-lunch-debt-hot-cocoa-standbreeze-hill-elementary-school-california-211402576.html?ncid=facebook_projecttil_azfbix1qq3o
yahoo.com A kindergartener is being praised for her incredible act of kindness after revealing the difficult motivation behind her hot chocolate stand.
How to Prepare to Buy a Home: First, Use This Checklist | realtor.com® https://www.realtor.com/advice/buy/how-to-prepare-to-buy-a-home/
realtor.com Before you start house hunting, you should learn how to prepare to buy a home. Here's a checklist of everything you should do to get your ducks in a row.
Do You Have Mortgage Questions?
I Have Answers
Allow me to help get you the keys to your dream home.
Request Your FREE No Obligation Consultation Today!
Are you a #renter looking to become a #homeowner in 2020? Do these 3 things before the end of the year to get a head start on your homeownership goals.
(via Down Payment Resource) https://bit.ly/2EhmIj0?fbclid=IwAR38lkTxhjl_YO-oxeoqBbwEACVjQKnZyXxy0i23AeZNsf7iw5bDFnrt5uk
downpaymentresource.com Along with year-end parties, comes New Year goal setting, right? It’s time to look forward and envision where you see yourself this time next year. Is owning a home on your list of goals? Before you stumble upon that dream home while out looking at holiday lights, take these three simple year-end ...
Once again Mortgage 101 Monday is back!
And Today's Mortgage Term is Escrow.
If you have any questions about how Escrows work or if you'd like to know about anything else mortgage related, please do not hesitate to reach out.
It's Fur Ball Friday Family...and who doesn't love puppies!?
Check out this adorable little fur ball makeover
This will definitely put a smile on your face... 😍
We asked a bunch of strangers what their biggest #obstacle to #homeownership is. We heard the same reason over and over... and it will almost certainly NOT shock you! 🧐😱 https://facebook.com/Readynest/videos/1010637729293468/
We asked a bunch of strangers what their biggest #obstacle to #homeownership is. We heard the same reason over and over... and it will almost certainly NOT shock you! 🧐😱
Considering taking the leap into first-time home-ownership but uncertain whether or not you should just continue to rent?
“The biggest mistake millennials are making is not buying their first home,” according to financial expert David Bach. Home-ownership increases your net worth 44 times more than renting, and if that isn't reason enough for you to buy, take a look at a few of the other Pro's to owning your own home.
With a home purchase, you can:
• Build equity (investment) in your own home
• Enjoy a stable housing payment (no surprise increases in rent)
• Potentially take advantage of tax breaks
• Control your own space (think pets, paint, knocking down a wall...)
With today's rates, low down payment programs, an backed by your history of renting,
a home of your own may be closer than you think. Reach out today!
'Tis The Season! 🎄 Had an awesome time today with The Willow Bend Mortgage work family at our 2019 Christmas Luncheon! Tons of laughs, great food and a whole lot of fun memories made. Not too many steals at the White Elephant gift exchange🎁...guess everyone was in the spirit of giving and not taking this year. 😂🤣 ... Here's to capping off 2019 with a bang, reflecting and appreciating the years lessons and blessings and looking forward to a New and Prosperous year. May your Holiday Season and the year to come be filled with good health, love, laughter and happiness... from our family to yours! See More
How Long Does Underwriting Take—and Can You Speed It Up? | realtor.com® https://www.realtor.com/advice/finance/how-long-does-underwriting-take/
realtor.com How long does underwriting take? Underwriting—a process in which mortgage lenders verify your assets—typically lasts about a week.
Today's Mortgage 101 Monday Term is Appraisal Fee.
If you have questions about appraisal fees or anything else mortgage related, you know who to call.
Great wisdom for such a young pup
Not sure what to buy this holiday season? We've got ya covered on some of the best gifts in the Coastal Bend. http://inspirecoastalbendmag.com/coastal-bend-holiday-gifts-that-inspire/?fbclid=IwAR2eS2_q23bN92JnoEmho3WBRKJOojPYqFK-uWKtz9aIzHKaVDOq67BrSOk
Buying a home means you are making a long term commitment. Most people can expect to be making a mortgage payment for anywhere between 15 to 30 years. With that in mind, you can clearly see why shopping around for the best Mortgage Lender is the smart thing to do.
Below are 4 things you should always do when shopping for a Mortgage Lender.
Liz is #thankful for #MortgageInsurance because it helped her buy her first home with only 10% down. 5 years later, she was thankful she could cancel it. Learn why: http://bit.ly/2QXrZTg https://bit.ly/2QXrZTg?fbclid=IwAR0ZwfusmD5Pv0tpXIgECVDor1-S-o2-kDxFfWz-DK76gR58UrBlNhB5KPg
readynest.com Mortgage insurance helped these first time home buyers buy sooner, which meant more years enjoying the perks of homeownership - like a big backyard grill.
Today is #GivingTuesday and we want to encourage everyone to kick off the holiday season by donating to organizations or charities in your community!
You may drop off your donation at: 5026 Holly Road, 78411 between the hours of 8:30 a.m. - 5:30 p.m.
Or you can find out more here: https://www.givingtuesday.org/
#GivingTuesdayKids #GivingTuesday2019 #willowbendmortgage #wbm #mortgagebroker #mortgage #homeloans #mortgagelending #househunting #waybettermortgage
Kendra Scott is offering a unique opportunity this coming December, to give your special someone a gift that gives back to Coastal Bend children in foster care. Tuesday December 3rd, the Kendra Scott store located inside La Palmera will host a Kendra Scott Gives Back Party for CASA of the Coastal Bend from 6 pm- 8 pm. A portion of the sales during the event go to CASA.
Today's Mortgage 101 Monday term is P&I, also known as Principal and Interest. Do you have questions about P&I or any other mortgage related questions? If so, please don't hesitate to reach out.
Home Loans for Teachers: How to Get One | realtor.com® https://www.realtor.com/advice/finance/heres-how-teachers-can-afford-to-buy-homes/
realtor.com Across the U.S. we're suffering from a serious teacher shortage. Here are some money-saving options designed to help get home loans for teachers.
We all have a whole lot to be thankful for...on this day and everyday. Remember to always take time to reflect upon your blessings.
"A grateful heart is a magnet for miracles." - Vicki Becker
With our hearts filled to the brim with gratitude, we thank you all for your endless support and for your business.
May the good things in life be yours in abundance and may they stay with you and your family all of your lives. Happy Thanksgiving from all of our families to yours!
Set your reminders today
#WinterIsComing! Here are 11 tips to make sure your house plants survive and thrive during the darkest days of the year: https://bit.ly/2QCYx4y https://bit.ly/2QCYx4y?fbclid=IwAR3vkriflZq9TW7N6mmcrk_jLcaG8Z4AQPTTMqFWmhOk7OUqwcrG8nauEE0
gardenista.com Whether your potted plants live indoors year round or have sought temporary shelter from freezing temperatures, they may be looking a little sad these days
Today's Mortgage 101 Monday Term is (MIP) otherwise known as Mortgage Insurance Premium. There is a lot to know about MIP, so if you have any questions about that or any other mortgage related questions, you can always reach out any time.
Curious about Down Payment Assistance?
A common misconception is that you are required to have 20% of the purchase price as a down payment. Not only is this not the case, but Willow Bend Mortgage offers several Down Payment Assistance programs that can help make getting a home loan more affordable.
Find out if you qualify for a low down payment assistance option today
Who doesn't love these iconic 80's families?
Well, not a single soul of course...but who is your favorite of the two?
Is it the Ripley's or the Griswolds?
Ahhh, the beauty in having the power to choose
Should Retirees Rent or Own? 3 Questions to Help You Decide | realtor.com® https://www.realtor.com/advice/buy/should-retirees-rent-or-own/
realtor.com Retirees choose to relocate for a variety of reasons, but which choice makes most sense for your wallet—renting or buying?
At 32, Erin realized she wanted to buy her first home - but the market was heating up and she only had $7,000 saved. What's a girl to do? Enter: Down payment assistance and mortgage insurance. Read the full story: http://bit.ly/2KmCVpg https://bit.ly/2KmCVpg?fbclid=IwAR3G3p4WYG_fWwn343P2OjULfSIMKzbWE510GtwbVfBGbUwS9eMmehHrLmg
readynest.com Read how Erin took advantage of a state down payment assistance program to buy her first home in North Carolina while keeping a little money in the bank.
Today is Mortgage 101 Monday and the term for today is Fixed Rate Mortgage. If you have questions about Fixed Rate Mortgages or any other mortgage related questions, please don't hesitate to reach out.
Your holiday to-do list is probably getting pretty long, with all of the decorating, shopping, wrapping and gathering. If one of the things on your list is financing a home, you should also have a list of don'ts, or you could end up with the proverbial coal in your stocking.
Take a peak at this Jolly Little List of Do's and Don'ts to help you avoid those Holiday Home Buying pitfalls.
Who can find them all?
Raise your hand if you did
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Let the Sun shine in!
We are here for your financial needs. Signature loans from $50 up to $1420. We help first time borrowers establish credit. Call or come by today.
This page is open to everyone interested in the Student Finance Association. We also want to provide information regarding SFA sponsored events such as Guest Speakers, Socials, and other Networking opportunities
First Community Mortgage Loan Officer NMLS# 1503746
Visit us today! We offer fast, easy, confidential pawn loans and cash advances to meet your short-term cash needs. Services vary by store.
You'll see the difference when you come in and speak with one of our experienced sales professionals. So come by and see our large selection of Mitsubishi
MFS is a mortgage banker designed to help consumers accomplish their home financing goals by providing MortgagePros the best origination platform today!
Kerra Garcia- NMLS 1064098 Supreme Lending Equal Housing Opportunity Lender Everett Financial, Inc. D/B/A Supreme Lending (NMLS ID #2129) Www.nmlsconsumeraccess.org Texas - SML Mortgage Banker Registration. Residential Mortgage Loan Originator.