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17 November 2015
A new study shows that the time is right for those interested in securing a mortgage. Many borrowers are finding it easier to secure the funding they need to purchase property. With more lenient requirements, banks and lending agencies are able to work with customers who previously would have been seen as risky.The Federal Reserve backed up those o
10 November 2015
Mortgage lenders have an important task of trying to help borrowers determine how much money they will spend on the down payment for a property purchase. Obviously the more that a customer pays up front, the less they will need to take out in the form of a loan. However it is often in a borrower's best interest to make a larger down payment, if the
05 November 2015
The millennial generation offers a great amount of opportunity for mortgage lending agencies. That same group of people also presents tremendous risk. Millennials are the largest generation alive, and as they grow older and acquire larger incomes, more of them are looking to buy property. Lenders must be aware of the trends involving millennial rea
04 November 2015
October was a busy month for prospective homebuyers or anyone considering taking out a mortgage. Here's a recap of information you should know from the last month:Federal Reserve Opts to Not Adjust Interest Rate - Board of Governors of the Federal Reserve The U.S. Federal Reserve announced on Oct. 28 that it would not raise interest rates immediate


Texas Mortgage Banker Disclosure

Pursuant to the requirements of section 157.007 of the mortgage banker registration and residential mortgage loan originator act, chapter 157, texas finance code, you are hereby notified of the following:

Consumers wishing to file a complaint against a mortgage banker or a licensed mortgage banker residential mortgage loan originator should complete, sign and send a complaint form to the texas department of savings and mortgage lending, 2601 north lamar, suite 201, austin, texas 78705. Complaint forms and instructions may be downloaded and printed from the department's website at A toll-free consumer hotline is available at 1-877-276-5550.

The department maintains a recovery fund to make payments of certain actual out of pocket damages sustained by borrowers caused by acts of licensed mortgage banker residential mortgage loan originators. A written application for reimbursement from the recovery fund must be filed with and investigated by the department prior to the payment of a claim. For more information about the recovery fund, please consult the department's web site at

Free Educational Pamphlets

Below are links to several free informational pamphlets provided by various government agencies. Feel free to print them out to review at your leisure.