From the beginning of this company, I’ve believed the best way to view the mortgage is really quite simple.  Choose the mortgage that helps you accomplish your broader financial goal.  Mortgages are a means to an end, not an end in and of themselves.    If you only focus the mortgage rate or closing costs, chances are you won’t [...]
Break-Even Period In an ideal world, we would not have to pay to refinance into a lower rate. However, in the real world, you would have to pay everybody that helps you get your loan finished. This cost is usually a big amount. Some borrowers rush to refinance when the rate is low without calculating [...]
Houston, Texas Mortgage Rates: Today’s Refinance Rates Mortgage rates change all the time.  However, today’s 15 year rates are still at an all time low. Most people know we are a “no point” lender. (Take a look at our closing costs PDF at the top of this page).  A “no point” mortgage lender simply means we don’t [...]
Houston Refinance: Who has the best mortgage rates? Enchiladas? When it comes to refinancing it’s easy to get caught up in the rate game and lose site of what you’re really trying to accomplish. A lower payment with realistic closing costs. This is why I really encourage my potential refinance clients to have specific payment [...]
A True Texas Refinance Story: Recently a client called me about refinancing his Texas home. Naturally he wanted “the best rate” because he had excellent credit and a great job. He was the super-smart kind of guy. He built spreadsheets. He talked to 5 banks, he compared the rates, watched the mortgage trends. You get the idea. [...]
Houston Texas Mortgage Refinance: Current Texas Mortgage Refinance Rates Down From Last Week  Current Texas 30 year mortgage rates are down to 4.72%, down from last week’s average mortgage rate of 4.76% ….  this is the lowest we’ve seen this year for 30-year mortgage rates. Current Texas 15 year mortgage rates were also lower this week. 15 year mortgage rates are currently [...]
Houston Texas Mortgage Refinance: Don’t pay additional points to get a low Texas mortgage refinance rates! Did you know that if you get a home mortgage loan from a major lender like Bank of America, chances are you will be charged additional points or fees in addition to your mortgage rate? Today’s Bank of America home loan rates [...]
We help people all over Houston Texas buy and refinance their homes. Whether it’s your home, a second home or even an investment property–we can help! When refinancing it’s important to keep the closing costs to a minimum because the higher one’s closing costs the less one benefits from refinancing. This is why we don’t [...]
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