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30 July 2015
For many homebuyers, home financing can seem like a chicken-or-egg situation: Should they first start touring open houses and sizing up the housing market or should they visit with a mortgage loan officer?Many will settle on a house before lining up a mortgage, but most housing experts agree that's a mistake."The first call really should be to a lo
28 July 2015
Home remodeling figures tend to follow closely on the heels of home sales. That's because movers tend to spend more than non-movers—sometimes fixing up their current places before putting the properties on the market or sprucing up homes they're moving into."Recent homebuyers typically spend about a third more on home improvement than non-movers, e
28 July 2015
Call it one more sign the housing market is returning to normal: Just 24.6 percent of all single-family home and condo purchases in May were made with all-cash offers. That brings the recent share of all-cash sales down to within spitting distance of the long-term average, which is 24.8 percent for all sales from January 2000 through May, according
27 July 2015
Location can have a dramatic impact on a home's value, and how much you love or loathe a particular neighborhood can also mean the difference in whether or not you want to buy a home there. Rather than falling in love with a house and then assessing the neighborhood, consider taking a macro approach and choosing your ideal neighborhood first. Here'

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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 www.sml.texas.gov. 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 www.sml.texas.gov.

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.