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Have You Considered Owning Real Estate? 

The mortgage environment has continued to change dramatically over the past two years. Let us simplify your next mortgage transaction by preparing you based on today's guidelines.  We offer a full menu of mortgage products designed to meet the various needs of our customers. Getting the information doesn’t require an appointment or a lot of time.  It’s free and there’s no obligation. If it is not convenient to complete a quick application on this secure site or meet in person we can handle everything by phone.  We’ll take the time to answer all of your questions, give you some estimate payment and cost scenarios, and prequalify you for a loan.  Once you have negotiated the sales contract on your new home we provide market protection by giving you the opportunity to lock in your interest rate and we guarantee in writing that the cost we quote you is the cost you’ll pay. No payment or closing cost shock.  It doesn’t get any better than this!  We look forward to working with you soon. 

• Have you considered buying your first home?  Do you have friends, family or grown children entering the housing market for the first time?  People often have fears about repairs, maintenance, and the long term commitment of purchasing a home.  It’s much easier than you might think.  Before you sign that next lease let us provide you with complimentary information regarding the cost and benefits of homeownership.  We offer many programs tailored to benefit the first time homebuyer and will walk you through every detail of the process.   

Buying our home is one of the most significant purchases we'll make.  Each of us, having our own personal criteria will find the perfect property and make the decision to commit ourselves financially. We plan to stay awhile so we lay down our roots, dig our flowerbeds, arrange our furniture and carefully place the collectibles that remind us life is good when we take the time to slow down.   As we continue to enjoy our very personalized home we realize it has brought us shelter and security in more ways than one.  We see income tax savings from owning the home offsetting some of our cost and our mortgage balance is going down a little faster each month.  We've discovered a nest egg being developed without any deliberate sacrifice on our part and the idea occurs to us that the monthly mortgage payment is an investment toward financial freedom.  Whether we rent or own most of us allocate the greatest portion of our monthly budget for housing.  Why not receive the full benefit of that house payment?    

• Whether you're a growing family, or an empty nester, sometimes a new home is the way to go. Rates are low right now, great values are plentiful and we are her to help you with that process!  You're just a click away from getting all of your questions answered.

•   Do you have a favorite vacation spot, weekend getaway, or road trip that you enjoy?   Long distance vacations are fun but the cost can keep us from ‘getting away’ as often as we’d like.  Timeshares can be very costly over time, and often have limited access and many restrictions for the owner.  Hotels, resorts, condos, and vacation rentals are expensive, especially if you visit them several times per year and trying to take advantage of a special price or travel package is often impossible to coordinate with your vacation schedule sometimes resulting in the cost of vacation more than doubling when you add airfare to a family trip.  Instead of having limited vacations because of work schedules or paying too much for them every year why not consider owning your own vacation home and go more often?  In this market with home prices and interest rates so affordable it may be the perfect solution.   You can get away more often because you’ll have no scheduling conflicts over price or availability and if you decide to rent it out to friends, family, or other vacationers during the time you’re not there you may discover that it can pay for itself.   Think TEXAS!  We are surrounded by beautiful getaways near lakes, beaches, spas, hill country, hunting grounds, and golf courses and other cities and small towns you have always enjoyed visiting.  Let us show you the financing options available for the benefit of owning your own vacation getaway in Texas! 

• Have you considered the business of owning real estate?  One of the positives of a down market is the opportunity to build your investment portfolio through the purchase of real estate at a fraction of the prices of just a few short years ago.  In this market you will find a tremendous inventory of properties to choose from with fewer buyers to compete with, more opportunity to be selective in your preferred area of purchase,  flexible financing options and interest rates that rival historic lows. You can either handle the landlord responsibility yourself or we can refer you to excellent property managers who can will do it for you.  Whether you are interested in single family homes, a duplex, or a four unit property we have the financing.  Don’t know how to get started?  It’s easy, call us! We’ll walk you through every step.   

• Are you or someone you know paying rent for the next four years for your son or daughter away at college?  Do they have roommates splitting the housing expense?  Their parents are probably paying it for them just like you or they are using financial aid to supplement their living expense and their parents have co-signed for the commitment.  That is stable rental income and college kids are excellent networkers.  If one roommate moves out they usually have a new one within a few days.  This is another great opportunity for rental property.  Instead of each of you contributing monthly toward an apartment why not consider purchasing a property and having the roommates pay you their portion each month?  

• A review of our Loan Programs appears on this website. Call or e-mail us and we'll develop a personalized quote.   Are you already living in your dream home? How about a lower monthly mortgage payment! Refinancing could be the way to go. Check it out with our Refinance Mortgage Calculator. Or, try out our Debt Consolidation Mortgage Calculator to see if a home equity loan would work for you.

• In an effort to better assist you in protecting your financial security we gladly provide a link to the three major credit bureaus where you can purchase various credit services or just order your FREE credit report from each credit bureau EVERY YEAR!  Everyone is eligible so protect yourself and take advantage of this free service by going to www.annualcreditreport.com.