StateMortgageInfo.com
Texas Mortgage knowledge base
What company has the best Texas Mortgage Broker bond for principals with bad credit? I need a licensing bond for my mortgage broker license, but my credit is destroyed due to divorce. Can anyone help me? All answers appreciated! I have 10-years of experience in the industry, and have been licensed in FL since 2000. Am currently a licensed loan officer, so I have experience, just lousy credit and no assets.
Where can I find a Reverse Mortgage lender in Texas? I have a home in San Antonio, TX on which I have quiet a bit of equity. I would like to get a HECM Reverse Mortgage and need a lender that specializes in Reverse Mortgages in Texas.
What sources does one use to find jobs and mortgage lenders in Houston, Texas area? I am trying to find out what is the best newspapers or websites used to find jobs in Texas, especially the houston area and what is the most common sources used for mortgage lenders. Do people usually use the banks or mortgage companies? I want know a good mortgage lender with good principles and low interest. Please, only people who are really familiar with these subjects and with serious answers. I would really appreciate your help. Thanks to all those who are willing to assist. Bless you.
How much is the monthly payment on a 140K mortgage in Texas? I plan on getting a 30 year fixed rate. Probably get a rate around 6.25%. Need to include taxes and insurance.
How do I get rid of PMI on my mortgage in Texas? I just bought my first home in Frisco, Texas. I have to pay PMI every month. I only have 1 loan with a rate of 7.25% on a 30 year fixed. How do I get rid of the PMI - it is very expensive and I need to get it off so I just pay the principal and interest. Should I re-finance? I have only had the loan since Jan 2007 I know the norm is 20% must be in equity. I bought it with zero down. The thing is I bought it for #310K and it was listed in the tax records at $393K. I got a great deal since they had to leave. Shouldnt I re-finance and get it appraised and show I have more than 20% in the house in equity - that way eliminating the PMI?
Where in Texas can you apply for a reverse mortgage? Checking on local area in Houston County Texas where someone can apply and obtain a reverse mortgage on their home.
What Texas Mortgage Co. do I have the best shot of getting Approved with 2 years after bankruptcy/foreclosure? the bankruptcy was over 2 years ago, and was a chapter 7. our house was included in the bankruptcy. we are ready to buy again now but were turned down by ''Quicken Loans" for 2 reasons: both of our scores were under 600 and the bankruptcy has not been discharged long enough. (4 years)
How does a wrap-around mortgage work in Texas, avoiding a "due on sale" clause? I have a nice 4/2 house in College Station, and while trying to rent it we have found many more people who want us to finance the purchase...How can we do this without triggering the due on sale clause, and how do we transfer title, taxes & insurance?
In Texas, can you refinance a mortgage if changing from a primary residence to a rental property? ***More specifically, can you refinance even if you have little or no equity in the home?*** We currently live in the house, but are moving out of town next month, but are trying to sell/rent the house. So my question is specifically about rental property, and if this refinance is allowed in the State of Texas. Thanks for your help!
Is it possible for me to receive $140.00 per hour in California or Texas? I am a mortgage servicer accountant? I am a Filipino and I am in California rightnow..looking for somebody who can give that much? Anyway, how much are you being paid per hour? close to $140.00 or too far from that amount. Or I am just day dreaming?
What happens to me if I do not end up signing mortgage documents at closing in Texas? I am undecided if I want to move...call it "cold feet" if you will. I close tomorrow on a new home and I am unsure it is what I want to do , afterall. Will there be legal consequences?
In Texas can a married person get a mortgage without spouse signing (this assumes one qualifies).? Assuming a couple is separated (not legally) and not yet divorced; One wants to get a mortgage and can qualify independently. Does the other spouse have to be named on the mortgage, or sign for the mortgage?
Refinance Texas Mortgage? Our current lender said in the State of Texas laws prevent us from refinancing our current mortgage until is has matured to one year. I cannot find this "law" and want to find out if anyone has any information on it. We purchased the home in Dec of 2007. Our current "Note" states no prepayment penalty for full or partial payments. We have a few rate quotes in the area of 5.875% to 6%, with zero closing costs. Our current rate is 6.875%. We purchased the home in Dec 07 for $155K and financed closing costs for a total loan of $163K - the appraisal (12-07) valued our home at $183K. Thank you in advance for all your help.
What does it take to renew my mortgage broker lic. in the state of Texas? I was a loan officer for six years in Ohio and now I live in Texas but my lic. has exspired. Does anyone know what I need to do to renew in Texas
Is there a mortgage company that will pre-approve a first time home buyer with real bad credit in Texas? I have a credit score of 415. The 3 bedroom house I want to get is only $44,000 and ready to move into.
How do I get started in the mortgage industry as a loan officer in Texas? I am not interested in an MLM opportunity. I know its extremely competitive. So no BS okay? Do I need a broker sponsor first?
What are Texas mortgage laws? rates? predatory lending? and downpayment programs?--I heard they have very complex rules
I am looking for mortgage information from a mortgage broker in or around Clear Lake City, Texas? Looking to buy a home in Clear Lake and have some financing questions.
Texas mortgage law? Where do I look to research whether a surviving adult child can assume the mortgage of a deceased parent?
Texas mortgage broker license??? How difficult is it to obain this license? What is the cost? I have been in the real estate business since 1998 and would like to obtain certificate to start originating loans. Any info is appreciated.
value added mortgage in texas? I have searched the net for a value added mortgage in Texas because we don't have enough equity to get a home improvment loan at this time. The estimated cost is about $20000 and the estimated added value is $60000+ Anyone ever heard of this type of loan or had one yourself? Apparently it's not advertised very well because I can't find a lender who does this without using your current equity. (We bought our house one year ago which is why not enough equity) Project details: Adding 500 sqft family room, attaching main house to guest house(guest house 500sqft is done and ready to go). Current house is 2bd,2bath and 1056sq ft, after project it will be 4bd, 3 bath and a little over 2000sqft with two living rooms.
Are mortgage pre-payment penalties legal in Texas? I got my morgage in 8/2002 and paid it off by getting a new loan in 9/2003. I paid a huge prepayment penalty and want to know if it's legal. Thanks!
mortgage loan in texas,? Husband and I want to buy a house in texas in the future. husband is in the military. his credit score is currently 600, how many more points does he has to get to get a mortgage loan, for a good rate in texas.
Reverse Mortgage In Texas? I reseraching this for my Mother who is divorced 71 retired and will be needing some help to suplement her mmedicare Value 150,000 balance 92,000 Lives in Georgetown texas, the house looks as though it may need a new roof - any ideas so that i may help/guide her? How should I start I prefer to deal with someone local.
Can a person in Texas get a Reverse Mortgage with a pending divorce,age 701/2? The value of the home is approx. $100,000 and paid for---new 30 year roof and new paint on the house-most of the inside has been redone-and 50% ceramic tile-some hard wood and some carpet on the floors
What marketing strategies have been effective for you as a mortgage loan officer? I've just gotten into the mortgage business in Texas. I'm looking for any tips to help me to deal with the marketing side of the business and any success stories of particular types of advertising. Thanks!
Mortgage business in Texas? I have been in the mortgage business for just about 9 months now. I just left a mortgage lender, where leads were provded for me. I am now working for a mortgage broker where I have to find my own leads. I'm in the DFW area and trying to network myself with realtors for business leads. What's the best way to go about doing that? I've hear that it's difficult to start business relationship with realtors that have been in business for a while because most of them are already working with a loan officer. How can I reach out to the newly licensed real estate agents in the DFW area? What other ways are there to generate quality leads? Any help at all will be very much appreciated!
Can I get a 2nd mortgage if I can't re-finance the 1st one? I may be up against my 80% LTV for my first mortgage, (Texas law) but I'm wondering if I can get a second mortgage for at least some of my equity. My credit is not that great.
I am a Account Executive for a mortgage lender in Texas...? Is anyone a loan officer or mortgage broker here
What does your credit score need to be to get a mortgage? I can put down between $20,000 to $40,000 and would like to know what my score has to be to get a mortgage. I live in Texas (if this helps). My credit could be better and is mostly school loans. Does anyone know how to find out your credit score and what is needed?
the mortgage crisis and Texas hurricane? do you believe that God of Abraham is punishing the American people through bad economics and the Hurricane in Texas for kill His children in Afghanistan and Iraq and not following the teaching of the His last prophet Muhammad, peace be upon him, and allowing homosexuals to marriage and live in sin???
What would be a good name for a mortgage broker company in Texas? Trying to find something that is available online also. Thanks
Possible Texas Mortgage Fraud Statute of Limitations Question!? If a person is scammed into being a Straw buyer in a Mortgage Fraud Scheme without any true 'intent' to Fraud say, in early 2003, then would they be subjected to the NEW Statue of limitations of 7 years (Previosuly 3 years) that passed into law Sept 1st of 2007? OR - because the law was passed AFTER the Statutue of Limitations was ran out (early 2006 per the previous 3 year law), is the person no longer liable "IF" the government sought indictment???? This is for a crimional law class project. Please state yoru references. Thanks!! bumped up?
2nd Mortgage holder rights in Texas? Foolishly, we allowed the buyers of our house take out a 2nd mortgage on the house with a lien on the house for the amount of the 2nd mortgage. The house was foreclosed on and we are being told that this wiped out the lien. The house is now being sold and we are out the money. Can we do anything?
Does anyone know where I can get reverse mortgage training in houston texas/spring/the woodlands texas.? changing career path. Want to be a reverse mortgage specialist
We are purchasing a house in Texas and may be transfered to Louisiana or another state.What do we do? Two years ago we got a mortgage on our first home in Texas. But, my husband maybe transfered to Louisiana or another state. What can we do about the house that we just moved into and got a mortgage for? What is the best option so, we do not lose good standing with our mortgage company?
are mortgage refinance deposits refundable in the state of Texas? Refi was canceled prior to appraisal being done
How do you get someone off a deed when you are the only one on the mortgage? This is Texas.? Two friends live in a house and are both on the deed. The one whose name is not on the mortgage, and didn't get the financing, wants to kick the other one out. What rights does the mortgagee have? Can she get the other one off the deed? To reiterate: the one trying to put the other one out is on the deed but not the mortgage. Thanks all! That's what I figured. Another question: Could the one on the mortgage refinance and this time leave the other one off the deed? I suppose not without the other's permission, but just thought I'd ask.
What are the best mortgage companies for refinance in the DFW, Texas area? A few years ago my stupid husband got a bad refinance loan - really bad, I don't even want to admit the interest rate. He got in over his head with our credit cards, didn't tell me, and looked for a way to get it together and picked the mortgage to cash out. I was a young wife who went along with it and signed the papers at closing, very pissed off. So I woke up and took over the finances and now our credit is great and I want to get rid of this horrid subprime loan. It pisses me off every time I pay the mortgage. So...I began this process last year was lied to about locking in the rate after I paid $400 to lock it and so I abruptly stopped the refinance. This was a company I found through Lending Tree. So I want to do this with a decent company, preferably a mortgage company not some middle man mortgage broker. Does anyone have a recommendation? I just don't know how to research to find a good one.
anyone knows about american home mortgage servicing inc. in irving,texas,75063-1730? what is the north american consumers compensation program? i just got a check from them and i want to do some research before i do anything with it.
dose it matter if your married that your name is on the mortgage or not in the state of texas? a freind of mine is married and they bought a home but her credit was bad so her name could not be on the papers they are in the state of texas dose she still have ownership
i live in texas in a mobile home on 2 acres,the land is tied up in my mortgage and home is not on wheels.? i got a letter of default from the mortgage co and it expires on monday the 25th.my question is does anyone know after that date how long i have to move out,apparently it is different when they repo a mobile home as opposed to forclosure on a house.have heard 10 days and 90 days.does anyone know for sure????
can any one recommend any good mortgage broker in north texas? i am currently living in the frisco texas area; I am thinking buying my first home; does any body lives in the north texas area knew about any good and reputable mortgage broker around the frisco, allen or mckinney area?
Originating a home mortgage? OK - I am clueless here....I am unable to get a loan or mortgage on my own for a mobile home in New York. A friend in Texas is willing to try and get the loan in her name. Would she be able to originate the loan/mortgage in Texas? Also ,There are only two mortgage companies in NYS that will allow you to purchase a mobile home....
Home Loan Interest Rates in Texas? I am looking for the current interest rates on a 30 year fixed mortgage in Texas. Excellent Credit. Would be interested in knowing about all loan types. 80/20, FHA, etc. I am looking for a general guideline. I realize the rates change every day.... Not interested in an ARM Thanks
Late fees on mortgage? How much can you be charged for late fees on mortgage payment in Texas?
Best mortgage programs?? I am first time homebuyer in Texas and looking for mortgage of $200000. Me and my spouse have good credit and about 10% to put down. Since there are so many mortgage programs out there, can someone list a few good mortgage programs for first time home buyers???
I have a home equity loan. In Texas, the 2 parties must agree on a fair market value. If not, is my loan null? I have a home equity loan, which is going into forclosure. I started looking at the original loan papers and the Texas Constitution's articles about mortgages, trust deeds, leins, ect. In the constitution, it says that both parties (lender and borrower) must agree with a fair market value of the homestead. I found the fair market statement and I was the only party to sign it. Would that make my loan null?
Mortgage prepayment penalty tax deductible? I live in Houston, Texas and I am thinking about refinancing my house. If I do it now I have to pay a prepayment penalty that is equal to 6 months worth of interest payments. Would the penalty be tax deductible? I also understand that there are some laws that prevent mortgage companies from charging these penalties. Is there anyone out there that can point me in the right direction so that I can find out if my mortgage prepayment penalty is illegal? Preferrably someone who knows about Texas laws?
Question regarding bad credit (580), in Texas, income over $100,000 home mortgage? We've been turned down three times now (in a year and a half). We would be first time home buyers in the state of Texas. My husband is a police officer who works so much overtime that he literally made over $100K last year. We've been working on his credit for 2 years (focusing on his, mine is not good either.) Anyway, we put earnest money down on a home, had what we thought was an approval only to be told pretty rudely that we were just flat out denied. We're sick of hearing no. We have a baby on the way and we've been working hard to repair this. We're sick of hearing that we need to spend more money on credit repair. We've been dealing with credit agencies for months trying to get his credit report changed and correct. Doesn't anyone look at your credit report and talk to you about what's right and what's not? Is there any hope that we could be in a home within three months considering the fact that we have a baby on the way? No money down loans or about $5000 down? HELP!! Thank you all for responding. I believe I have heard of the My Communities programs....this is for police officers, right? If so, I have heard of it but it is always for a home in a bad area. I'm not sure if this is the program you asked about?! As for FHA loans, I know I've heard that...Countrywide was one that we were denied with. Also, there is one collection open at this time. It ended up on our credit report a week ago which is why our approval was all of a sudden denied. His credit score was above a 600 (and still is a 600 with one credit bureau) until this collection. We will pay it off immediately but getting the credit report to show this, will take quite some time as we've found. I'm finding that no matter what we do...we can't get approved. Also, I believe in paying your rent/mortgage first so there's no way we'd end up in forclosure. Honestly, I'd rather have a roof over my children's head than cable tv. My husband is SO hard working and he deserves a home.
How do I qualify for a mortgage/financing as a foreigner? I know in my country (South Africa) the banks do credit checks and calculate a max loan amount based on income. How is Texas different? Will the do credit check in country of origin? How does mortgage influence your tax payment to government. We do not get tax cuts for bonds.
My mortgage company made an error in calculating my property taxes last year? Travis County, Texas appraised my home last year for $186,000 (I only paid $156,000.) When I bought my house, I told the mortgage company to make sure to fix my escrow payments so that I wouldn't be short. Well, they calculated it incorrectly because they didn't realize we had a MUD. We were short by $3K. Now they have raised our monthly escrow payment by $300.00 to cover the shortfall and another $200.00 to cover the "anticipated" tax increase. Well, for some unknown reason, the county only appraised our house at $158,000 and I filed for a homestead exemption; so my taxes will not be as high as last year. My family cannot afford this $500.00/month increase to our payment; what can I do to convince our mortgage company to lower this new payment. If I can't get it lowered, I will be forced to sell my first home. In today's market, it doesn't look like it will be easy and I don't want to foreclose. Thanks!
mortgage co discusses personal info with co-workers,calling them deadbeats and my"shackjob"? GREENTREE mortgage co. does not apply my payment as written in the note section of my check.they apply it to where they see fit causing my payments to get behind.I ask them to show me where it is behind but no one can tell me they just say I have to pay it or they are coming to get the house on that same weekend.they call my friend on her personal cell phone and discuss my info with her.when they dont get what they want from her they call her" deadbeat" and my "shackjob" they also tell her that she is going to raise her children as dead beats also.they say they are going to press charges against her for impersonating my ex wife.one person calls and says we need to pay a particular amount 3 days later a letter in the mail says a higher amount then forclosure letter stating an even higher amount than all the others. Raphael and Grace would be the people that call. they work in the SAN ANTONIO TEXAS office.can anyone help me with my problem?
mortgage co discusses personal info with co-workers,calling them deadbeats and my"shackjob"? GREENTREE mortgage co. does not apply my payment as written in the note section of my check.they apply it to where they see fit causing my payments to get behind.We ask them to show me where it is behind no one can tell me they just say i have to pay it or they are coming to get the house on that same weekend.they call my friend on here personal cell phone and discuss my info with her.when they dont get what they want from her they call her" deadbeat" and my "shackjob" they also tell her that she is going to raise her children as dead beats also.they say they are going to press charges against her for impersonating my ex wife.one person calls and says we need to pay a particular amount 3 days later a letter in the mail says a higher amount then forclosure letter stating an even higher amount than all the others. Raphael and Grace would be the people that call. the work in the SAN ANTONIO TEXAS office.
Would you leave Texas to move to the Bay Area? I have to decide soon, help!? I was offered a job in the Bay Area and I really want to take it. I think it will be a great opportunity (better than what I could have in Texas, I believe). I would be getting an 18% salary increase but in Texas we do NOT have a state tax so I guess with the CA state tax, I'm really only getting a 10% raise. Real estate here is literally 289% less than CA. My house here costs about $250K...in the Bay Area it would go for $1Million (which makes me laugh and cry at the same time). I currently own a nice house in a great neighborhood so I'm really freaked out about selling my house (giving up my hard earned equity) and going back to renting (and paying double that of my mortgage payment). So if you had a nice house would you sell it to go back to renting in the most expensive area of the country (and having a significantly smaller place) if you thought the job opportunity was great? Also, is it possible to SAVE money living in the Bay Area? This is consuming me, seriously... I would be living in the Sunnyvale/Mountain View area to start since it would be close to my job.
will texas homestead protection help avoid foreclosure on my home? I was several months behind on my mortgage. I am not sure of the foreclosure date, but I know that Welles Fargo sold my house out from under me on July 4th. Is there any way for me to keep my home? Will the Texas Homestead Act help me?
Gettinga a Mortgage with a Bankruptcy? I am currently 15 months off my Chapter 7 bankruptcy being discharged and I now have 3 credit cards with zero balance and a Car loan which has been paid on time every month. I make 55k a year and am wanting to buy a home and stop renting. Do you believe I will be able to get a home mortgage? If so, what type of interest rates would you suspect I would get or type of payment with taxes based on a 150k home loan? I live in El Paso Texas. Thanks!
Getting a Mortgage with a Bankruptcy? I am currently 15 months off my Chapter 7 bankruptcy being discharged and I now have 3 credit cards with zero balance and a Car loan which has been paid on time every month. I make 55k a year and am wanting to buy a home and stop renting. Do you believe I will be able to get a home mortgage? If so, what type of interest rates would you suspect I would get or type of payment with taxes based on a 150k home loan? I live in El Paso Texas. Thanks!
Need help with mortgage ideas for refi-ing and lowering payments? My husband and I owe 172k on our house and it appraised at 215k in July of 2006 when we did a Texas Cash Out loan. Our current interest rate is 7.875 and our PI payment is 1244.00 a month. There is no doubt in my mind that the house would appraise for 230k due to the market in our area. We can make the payment, but it is a struggle. My husbands credit score is around a 600 and we have made our payments on time every month since 10-2005 except one payment in12-06. I have contact our current mortgage lender and discussed a refi with them, however they tell me that the interest rates are on the rise and can't help me? Does anyone have any ideas what we can do to get our payments lower without selling the house?
Is getting a mortgage after bankruptcy for building a ranch a possibility? In April I filed Bankruptcy. I quit my job after having a devastating miscarriage and felt like there was no other way for us to survive financially. My husband’s job with the Army requires him to have a security clearance and with already shaky credit we decided it would be best for me to file alone. Most of the debt was in my name anyway, so I filed a Chapter 7 in April. Due to my lawyer’s incompetence it wasn’t discharged till December. We’ve been told that with my husband’s low score and my recent bankruptcy our only option is to wait 12-24 months to apply for a mortgage. This makes sense to me, but I’m hoping there is another option out there. We were foster parents for a time and hope to continue that next fall when my husband returns, but he’s stationed in central Texas where CPS prefers foster parents who own their home. We had established a small business in training and boarding horses and would like to continue that in our own back yard and grow from there. I’ve contacted the three major credit bureaus to clean up any inaccuracy and I’ve been working at my job for almost a year. Our debt to income ratio is great and despite my bankruptcy my credit score is slightly higher than my husband’s, but still low. I’ve done all of our baking with US Bank in hopes of establishing a relationship with them and I have a low-limit credit card I use for gas and pay off monthly and a secured card I use for business expenses and pay off monthly. So, this is probably much more information than you needed, but it will hopefully be enough to help you answer my question. I would hate to spend another 12-24 months paying $600-800 a month in rent and $500 a month boarding our horses when that could be $15-30k we’ve paid toward a mortgage. I understand that all actions have their consequences, but we’re a Christian family and hope that through the right network, education and of course prayer there may be some chance of purchasing our first home so my husband comes home from Iraq feeling accomplished and secure.
Have you heard of All Us Mortgage or Pearland Home Mortgage? I am looking for a mortgage company and I found this one that is willing to work with me (I have poor credit and can not prove my income). It seems legit, but I am apprehensive because of all the scams and fraud going on these days. I also do not know how to go about checking for their license numbers. The company is based in Pearland and Houston Texas. If anyone has any info on how to check for license numbers online or on the company (have you worked with them or know anything about them) that would be great!!!
Moving to Colorado from Texas? We are condsidering moving from Fort Worth, Texas to the Colorado Springs area. Is there anybody out there that has made this move? Our question is have you noticed a big difference in the cost of living? Is it quite a big diffrence in your mortgage/rent, when you go to dinner, movies, etc. We have just started researching this move, and thought asking people in that situation might help. Thank you.
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