Our Latest Blogs
Our Favorite Holiday Traditions at Home
Sometimes the best gift you can give to your family is the memory of spending time together. This week we are sharing our favorite holiday traditions with you. We hope you find joy and inspiration in these cherished holiday traditions from the homes of the wonderful folks at TexasLending.com Keepsake Holiday Traditions “Since I have kiddos, I like to get them a special ornament for the tree every year. When they have their home they will have 18 years of
Should I Order a Home Inspection?
Having a professional home inspection is something that every home buyer should at least consider before signing a contract. In this post you will find great information about the value of a home inspection. Here are a few factors to help you decide if you should order a home inspection: Home Appraisal Vs. Home Inspection Mortgage Lenders require an appraisal in order to determine the value of the home in the current market. The appraisal report can protect you from
Online Mortgage Process: COVID-19 Safe
At TexasLending.com our mortgage process can be securely done online, from your computer, tablet, or smart phone. We have made our mortgage process as easy as possible with the capability of current technology, while keeping your financial information protected. During the health and safety concerns of COVID-19, we want you to know that you can safely move through our online mortgage process. Apply Online Your mortgage application can be completed online or by phone, with one of our licensed mortgage
Negotiating in a Buyer’s Market: Home Buyer Guide
What are the advantages you have in a buyer’s market, and how can you get the best deal possible? Just last year we posted an article about “Competing in a Seller’s Market”, but since then some big changes have happened. We have seen a shift in the real estate market, giving the negotiating advantage to home buyers. In the 3rd and 4th quarters of 2022, we have begun to see the median home prices gradually drop each month, both in
How Much Home Can I Afford?
How much home can I afford? This is not an easy question to answer. In order to truly know how much home you can afford you will need to take an in-depth look at your finances, mortgage options, and the type of home you are looking to buy. Finances If you are currently renting an apartment or home, you probably know how much you can afford to pay towards a monthly mortgage payment, based on your current rent. What you
Mortgage Ready Checklist: Buying a Home
Step by step, this checklist will help you understand what it takes to be mortgage ready and buy a home. Knowledge is the key to success in buying your first home, and the mortgage ready checklist is a great place to start. Qualifying: Mortgage Ready Checklist Steady and Stable Income Your income should show your ability to repay the loan to be mortgage ready. You will need 2 years of a steady work history in your industry to qualify for
Mortgage Rate Trends for 2016
Today’s mortgage interest rates are extremely low which means that homeowners pay lower monthly payments. Currently, it’s cheaper to own a home than to rent in many U.S. housing markets and home buyers are definitely taking advantage of it. However, these low mortgage rates are actually not a normal trend in the housing market and they’re expected to change soon. Mortgage interest rates have a historical 30-year average of 8.375% and today’s rates are less than that. We’re sharing everything
Mortgage Questions to Ask Your Lender
Each person has a one-of-a-kind perspective when looking to buy a home. You have a unique financial history and a different set of goals to reach than any other person looking to buy home. That is why it is important to ask mortgage questions about your individual home buying outlook. These are a few important questions to ask your lender when your are looking to buy a home. How much home can I afford? The amount of home you can
