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Posts By Leesa Sandoval


The FHA 203k Loan Overview – Texas

The 203k Renovation Loan in Texas is a great way to purchase a new home in need of repairs or renovate your current home. Think of it as a one-time-close construction loan but with more relaxed standards because it’s insured by FHA. below are some of the highlights and some useful information but to discuss your unique situation or to apply please give me a call today.

FHA 203k Rehab Loan – Texas

The FHA 203k Rehab loan in Texas is a wonderful program for buyers who don’t have the 20% down payment required for a conventional construction loan

Guidelines Changing for Free Credit Reports – Texas

As part of the new CARD Act of 2009, companies advertising free credit reports in Texas are now required to clearly disclose that what’s being marketed isn’t the free credit report you’re entitled to receive by law.

FHA 203k Rehab and Renovation Loan – Texas

The FHA 203k loan allows you to purchase one of these properties and roll the cost of the repairs into the loan. The loan allows you to use the “after improved value” so the construction money can be rolled in the loan then draws are made for the improvements with the end being one loan with a great low FHA rate!

Buying a Home in Texas in Need of Repairs – FHA 203k Loan

The 203(k)loan was designed to render aid and help get these homes sold. The borrower can get just one mortgage loan, at a long-term fixed rate, to finance both the purchase and the rehabilitation of the property. To provide funds for the rehabilitation, the mortgage amount is based on the projected value of the property with the work completed, taking into account the cost of the work.

Lower Mortgage Rates – Texas

In case you haven’t caught the news, home loan rates have done it again, dropping to their lowest level…ever. Not only has the 30 Year Fixed rate returned to its lowest all time level, rates across the board are at their lowest levels.

USDA Changes Make “Rural” Homes More Accessible – Texas

Zero-down home loan programs in Texas are few and far between these days, but one that remains available might be of interest to you – especially given some changes that make it more accessible.

USDA Guaranteed Rural Development loans offer 100% financing with no monthly Private Mortgage Insurance. While there are some geographic limitations for this program, if you are interested in eligible properties, you should take notice.

Obtaining a Mortgage Loan after a Bankruptcy – Texas

If you have had to declare bankruptcy in Texas you are not ineligible for a mortgage loan. For the most part it’s just a matter of time before you can qualify for a loan. Generally speaking you need about 3 years from the time the bankruptcy was discharged. During that time it’s important to work on rebuilding credit and keeping your trade lines current.

Buying vs Renting a Home in Texas

Buying a home vs. renting in Texas is a big decision that takes careful consideration, as most mortgage consultants will agree. But the rewards of home ownership are great. For many years, purchasing real estate has been considered an extremely profitable investment. It is an achievement that offers a sense of pride, financial stability and [...]

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