15-Year vs. 30-Year Mortgage in Texas: Which Loan Term Is Right for You? (2026 Guide)
Choosing a mortgage term is one of the most consequential financial decisions you’ll make as a Texas homebuyer — yet many buyers settle on 30 years without ever seriously running the 15-year numbers. The reality is that neither term is universally better. The right choice depends on your monthly budget, life stage, financial goals, and […]
Become a Homeowner in 2022
How to become a homeowner in 2022 Setting a goal to become a homeowner in 2022 is both exciting and challenging. There are a few things that make 2022 a unique time to buy a home in Texas. We look forward to helping many home buyers purchase their first home this year. In the past […]
Custom Down Payment Savings Plan
Developing a custom down payment savings plan can be a great first step toward becoming a future homeowner. Understanding both what you need to save and setting the time you can give yourself is key to making a savings plan that is just right for you. There are a few upfront costs to buying a […]
Mortgage Payment Calculator
Using a mortgage payment calculator is a great place to begin if you are thinking about buying a home or refinancing your current mortgage. An online mortgage calculator can be a great tool to estimate your potential monthly mortgage payment. Adjusting the numbers in each field can help you take a look at the numbers […]
How to Drop Mortgage Insurance
Do you know that you can drop mortgage insurance from your home loan? We don’t think you should be paying more for your mortgage than you have to. That’s why it’s a good idea to keep an eye on the mortgage insurance that could be structured into your loan. Dropping your mortgage insurance can save […]
The Benefits of a VA Mortgage
The Benefits of a VA Mortgage The primary goal of the VA mortgage program is to make home ownership affordable for qualifying members of the US military and their spouses. There are a number of benefits that a VA mortgage provides in comparison to a conventional mortgage. These are a the benefits of a VA […]
How Much House Can I Afford?
How much house can I afford? This is often one of the first questions that potential home buyers ask before starting their home search. Asking your lender this question and applying for mortgage pre-approval is likely the best way to fully understand the flexibility of your home buying budget. While you may know how much […]
Escrow Account Basics
If you are looking for your first mortgage loan as a first time home buyer, you may have some questions about escrow accounts. The questions and answers in this article provide some great insight to the function and purpose of an escrow account. These basic questions will help you better understand the structure of an […]
What credit score is needed for a mortgage?
What credit score is needed for a mortgage? Buying a home is one of the largest investments that most Americans will make in their lifetime. In order to qualify for a mortgage your credit score must reflect that you use credit responsibly. With a large financial risk at stake, conventional mortgage investors want to see […]
Tips for Moving to Texas from Another State
If you are one of the many people moving to Texas from another state or to another city within the state, it may be helpful to know a few tips. Texas has held the #1 position in population growth for states in the U.S. since 2017. Most of this population growth is attributed to the […]
