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TEXAS LENDING
Texas Lending - When you think of mortgage, think Texas Lending! Simplify your search. Select your loan. TexasLending.com is a Division of Aspire Financial Inc. | 4100 Alpha Road, Suite 300, Dallas, TX 75244 | NMLS ID: 137773. CAREERS IN THE MORTGAGE INDUSTRY AT TEXASLENDING.COM® TexasLending.com offers great opportunities to achieve your goals in a success-oriented career. We are a family-owned company committed to our customers’ successes and guided by a set of values that make us proud to be the TexasLending.com team. FIRST TIME HOME BUYER: SUCCESS GUIDE Calculating your down payment can be helpful to you as a first time home buyer. These are the down payment options for available loan programs: FHA Home Loan: 3.5% down payment. First Time Home Buyer Conventional Loan: 3% down payment. Conventional Home Loan: 5% down payment. USDA Home Loan: (Rural Home):0% down payment. HOME BUYING: THE MORTGAGE PROCESS What is happening at Texas Lending: One of our licensed loan officers will talk with you about your mortgage options and your goals. This step allows for establishing a budget, analyzing your income and savings as well as your credit score, liabilities, and existing debt. Once they have the information they need to get the pre-approvalprocess
HOW LONG DOES IT TAKE TO CLOSE ON A HOUSE The Mortgage Process: How long does it take to close on a house? A good rule is to estimate 30-35 days to from application to closing. At TexasLending.com we have closed loans in as few as 15-18 days, when there are no delays. Our goal is to help you meet your closing date and make the process as easy as possible. WHY DO I NEED AN APPRAISAL? However, if the appraised value is much lower than the purchase price, it may be time to speak with your realtor about a price negotiation. Home buyers need an appraisal to meet federal mortgage guidelines, but the appraisal also protects the home buyer by providing a documented report on the fair market value of the home.SHEILA FARGNOLI
I am a Senior Loan Officer with over 35 years of lending experience. For most of us, our mortgage is one of the single largest financial transactions we make. YourWILLIAM COBB
I am a driven, goal oriented person that strives to provide every person I meet with the same level of customer care and professionalism I would expect from others. BornJOE MILBURN
A competitive spirit and drive motivate me and my team. Our success is based on excellent communication and product knowledge. These keyelements
WHY BUYING A HOUSE WITH FOUNDATION PROBLEMS IS RISKY September 23, 2016 by Admin. Many people underestimate the risk of buying a house with foundation problems and the extent of repairs needed. Foundation problems generally reduce the value of a home. It can also be very costly, stressful, inconvenient, and take a lot of time to repair. Repairing a home’s foundation is much more extensivethan
TEXAS LENDING
Texas Lending - When you think of mortgage, think Texas Lending! Simplify your search. Select your loan. TexasLending.com is a Division of Aspire Financial Inc. | 4100 Alpha Road, Suite 300, Dallas, TX 75244 | NMLS ID: 137773. CAREERS IN THE MORTGAGE INDUSTRY AT TEXASLENDING.COM® TexasLending.com offers great opportunities to achieve your goals in a success-oriented career. We are a family-owned company committed to our customers’ successes and guided by a set of values that make us proud to be the TexasLending.com team. FIRST TIME HOME BUYER: SUCCESS GUIDE Calculating your down payment can be helpful to you as a first time home buyer. These are the down payment options for available loan programs: FHA Home Loan: 3.5% down payment. First Time Home Buyer Conventional Loan: 3% down payment. Conventional Home Loan: 5% down payment. USDA Home Loan: (Rural Home):0% down payment. HOME BUYING: THE MORTGAGE PROCESS What is happening at Texas Lending: One of our licensed loan officers will talk with you about your mortgage options and your goals. This step allows for establishing a budget, analyzing your income and savings as well as your credit score, liabilities, and existing debt. Once they have the information they need to get the pre-approvalprocess
HOW LONG DOES IT TAKE TO CLOSE ON A HOUSE The Mortgage Process: How long does it take to close on a house? A good rule is to estimate 30-35 days to from application to closing. At TexasLending.com we have closed loans in as few as 15-18 days, when there are no delays. Our goal is to help you meet your closing date and make the process as easy as possible. WHY DO I NEED AN APPRAISAL? However, if the appraised value is much lower than the purchase price, it may be time to speak with your realtor about a price negotiation. Home buyers need an appraisal to meet federal mortgage guidelines, but the appraisal also protects the home buyer by providing a documented report on the fair market value of the home.SHEILA FARGNOLI
I am a Senior Loan Officer with over 35 years of lending experience. For most of us, our mortgage is one of the single largest financial transactions we make. YourWILLIAM COBB
I am a driven, goal oriented person that strives to provide every person I meet with the same level of customer care and professionalism I would expect from others. BornJOE MILBURN
A competitive spirit and drive motivate me and my team. Our success is based on excellent communication and product knowledge. These keyelements
WHY BUYING A HOUSE WITH FOUNDATION PROBLEMS IS RISKY September 23, 2016 by Admin. Many people underestimate the risk of buying a house with foundation problems and the extent of repairs needed. Foundation problems generally reduce the value of a home. It can also be very costly, stressful, inconvenient, and take a lot of time to repair. Repairing a home’s foundation is much more extensivethan
TEXAS LENDING
Texas Lending - When you think of mortgage, think Texas Lending! Simplify your search. Select your loan. TexasLending.com is a Division of Aspire Financial Inc. | 4100 Alpha Road, Suite 300, Dallas, TX 75244 | NMLS ID: 137773. TEXAS LENDING REVIEWS Texas Lending provided a fantastic service. It was seamless, painless, and fast. This is our second time using Texas Lending, and both experiences have been positive. I highly recommend this company. 5 Melissa Sky-Eagle on BirdEye, May 21, 2021. Our representative, Andrea Bridgeman, was excellent.REFINANCE HOME
Refinancing your Current Mortgage Rates Texas could mean a better financial future for you and your family. Call us today at800-346-8047!
NON-QM LOAN
Non-QM Loan. A non-qualified mortgage (non-QM) is any home loan that does not comply with the Consumer Financial Protection Bureau’s (CFPB) existing rules on qualified mortgages (QM). One of the main components of a QM loan is one’s ability to repay and the guidelines set by the agencies like Fannie Mae and Freddie Mac abide by theserules.
UNDERWRITING PROCESS Underwriting is the process used by lenders to determine if a potential homebuyer is eligible for a mortgage loan based on their credit, employment, assets, debt, and risk. Underwriters will inspect the applicant and assess their risk. They will do an in-depth review of the loan package and documentation and decide if the informationgiven is
WHY YOU SHOULD SAVE FOR A RAINY DAY Here are a few reasons to tap into your rainy day savings: If you lost your job and need to pay bills. Pay for unexpected major repairs to your vehicle. Up front medical costs that aren’t covered by insurance or a health savings account. Covering utility bills that are higher than expected. Emergency veterinary costs for pets.BRIAN VANDER PLAATS
About Me. I am Brian Vander Plaats, Mortgage Consultant for TexasLending.com. I started with TexasLending.com in July of 2012. I have been in the Mortgage/Finance business for 18+ years. I moved to Dallas from Columbia, MO in July of 2012. I reside in the University Park area of Dallas. SCOTT LOWE - TEXASLENDING.COM About Me. I was born and raised in Indianapolis, Indiana and graduated from Indiana University. I was in the airline industry for over 14 years. I quickly learned the value of Customer Service. I have most recently been a Mortgage Consultant for over 16 years.JASON HICKS
About Me. I was born and raised in a small town in the central part of Illinois and moved to Allen, Texas when I was 16 yrs old. I have been in the mortgage industry for almost 20 years.GARY ALEXANDER
Hello! My name is Gary Alexander and I have been with TexasLending.com for about 14 years. Started doing mortgages back in 2002 .. After 20 years of working as a independent contractor for the Dallas Morning News. In charge of one the largest districts that existed back then. I overlooked home delivery ,collections and sales and service forTEXAS LENDING
Texas Lending - When you think of mortgage, think Texas Lending! Simplify your search. Select your loan. TexasLending.com is a Division of Aspire Financial Inc. | 4100 Alpha Road, Suite 300, Dallas, TX 75244 | NMLS ID: 137773. TEXAS LENDING REVIEWS Texas Lending provided a fantastic service. It was seamless, painless, and fast. This is our second time using Texas Lending, and both experiences have been positive. I highly recommend this company. 5 Melissa Sky-Eagle on BirdEye, May 21, 2021. Our representative, Andrea Bridgeman, was excellent.REFINANCE HOME
Refinancing your Current Mortgage Rates Texas could mean a better financial future for you and your family. Call us today at800-346-8047!
CAREERS IN THE MORTGAGE INDUSTRY AT TEXASLENDING.COM® TexasLending.com offers great opportunities to achieve your goals in a success-oriented career. We are a family-owned company committed to our customers’ successes and guided by a set of values that make us proud to be the TexasLending.com team. WHY DO I NEED AN APPRAISAL? However, if the appraised value is much lower than the purchase price, it may be time to speak with your realtor about a price negotiation. Home buyers need an appraisal to meet federal mortgage guidelines, but the appraisal also protects the home buyer by providing a documented report on the fair market value of the home. HOW LONG DOES IT TAKE TO CLOSE ON A HOUSE The Mortgage Process: How long does it take to close on a house? A good rule is to estimate 30-35 days to from application to closing. At TexasLending.com we have closed loans in as few as 15-18 days, when there are no delays. Our goal is to help you meet your closing date and make the process as easy as possible. WHY YOU SHOULD SAVE FOR A RAINY DAY Here are a few reasons to tap into your rainy day savings: If you lost your job and need to pay bills. Pay for unexpected major repairs to your vehicle. Up front medical costs that aren’t covered by insurance or a health savings account. Covering utility bills that are higher than expected. Emergency veterinary costs for pets. UNDERWRITING PROCESS Underwriting is the process used by lenders to determine if a potential homebuyer is eligible for a mortgage loan based on their credit, employment, assets, debt, and risk. Underwriters will inspect the applicant and assess their risk. They will do an in-depth review of the loan package and documentation and decide if the informationgiven is
SHEILA FARGNOLI
I am a Senior Loan Officer with over 35 years of lending experience. For most of us, our mortgage is one of the single largest financial transactions we make. YourBRIAN VANDER PLAATS
About Me. I am Brian Vander Plaats, Mortgage Consultant for TexasLending.com. I started with TexasLending.com in July of 2012. I have been in the Mortgage/Finance business for 18+ years. I moved to Dallas from Columbia, MO in July of 2012. I reside in the University Park area of Dallas.TEXAS LENDING
Texas Lending - When you think of mortgage, think Texas Lending! Simplify your search. Select your loan. TexasLending.com is a Division of Aspire Financial Inc. | 4100 Alpha Road, Suite 300, Dallas, TX 75244 | NMLS ID: 137773. TEXAS LENDING REVIEWS Texas Lending provided a fantastic service. It was seamless, painless, and fast. This is our second time using Texas Lending, and both experiences have been positive. I highly recommend this company. 5 Melissa Sky-Eagle on BirdEye, May 21, 2021. Our representative, Andrea Bridgeman, was excellent.REFINANCE HOME
Refinancing your Current Mortgage Rates Texas could mean a better financial future for you and your family. Call us today at800-346-8047!
CAREERS IN THE MORTGAGE INDUSTRY AT TEXASLENDING.COM® TexasLending.com offers great opportunities to achieve your goals in a success-oriented career. We are a family-owned company committed to our customers’ successes and guided by a set of values that make us proud to be the TexasLending.com team. WHY DO I NEED AN APPRAISAL? However, if the appraised value is much lower than the purchase price, it may be time to speak with your realtor about a price negotiation. Home buyers need an appraisal to meet federal mortgage guidelines, but the appraisal also protects the home buyer by providing a documented report on the fair market value of the home. HOW LONG DOES IT TAKE TO CLOSE ON A HOUSE The Mortgage Process: How long does it take to close on a house? A good rule is to estimate 30-35 days to from application to closing. At TexasLending.com we have closed loans in as few as 15-18 days, when there are no delays. Our goal is to help you meet your closing date and make the process as easy as possible. WHY YOU SHOULD SAVE FOR A RAINY DAY Here are a few reasons to tap into your rainy day savings: If you lost your job and need to pay bills. Pay for unexpected major repairs to your vehicle. Up front medical costs that aren’t covered by insurance or a health savings account. Covering utility bills that are higher than expected. Emergency veterinary costs for pets. UNDERWRITING PROCESS Underwriting is the process used by lenders to determine if a potential homebuyer is eligible for a mortgage loan based on their credit, employment, assets, debt, and risk. Underwriters will inspect the applicant and assess their risk. They will do an in-depth review of the loan package and documentation and decide if the informationgiven is
SHEILA FARGNOLI
I am a Senior Loan Officer with over 35 years of lending experience. For most of us, our mortgage is one of the single largest financial transactions we make. YourBRIAN VANDER PLAATS
About Me. I am Brian Vander Plaats, Mortgage Consultant for TexasLending.com. I started with TexasLending.com in July of 2012. I have been in the Mortgage/Finance business for 18+ years. I moved to Dallas from Columbia, MO in July of 2012. I reside in the University Park area of Dallas. FIRST TIME HOME BUYER: SUCCESS GUIDE Calculating your down payment can be helpful to you as a first time home buyer. These are the down payment options for available loan programs: FHA Home Loan: 3.5% down payment. First Time Home Buyer Conventional Loan: 3% down payment. Conventional Home Loan: 5% down payment. USDA Home Loan: (Rural Home):0% down payment.TEXASLENDING
By submitting your information you are providing your express written consent to be contacted by Aspire Financial, Inc. or its subsidiaries, affiliates, or agents at the number you provided regarding products or services via live, automated, artificial or prerecorded telephone call, text messages (SMS and MMS), or email even if your telephone number is a cellular number or on a corporate WHY YOU SHOULD SAVE FOR A RAINY DAY Here are a few reasons to tap into your rainy day savings: If you lost your job and need to pay bills. Pay for unexpected major repairs to your vehicle. Up front medical costs that aren’t covered by insurance or a health savings account. Covering utility bills that are higher than expected. Emergency veterinary costs for pets. HOME BUYING: THE MORTGAGE PROCESS What is happening at Texas Lending: One of our licensed loan officers will talk with you about your mortgage options and your goals. This step allows for establishing a budget, analyzing your income and savings as well as your credit score, liabilities, and existing debt. Once they have the information they need to get the pre-approvalprocess
UNDERWRITING PROCESS Underwriting is the process used by lenders to determine if a potential homebuyer is eligible for a mortgage loan based on their credit, employment, assets, debt, and risk. Underwriters will inspect the applicant and assess their risk. They will do an in-depth review of the loan package and documentation and decide if the informationgiven is
TEXASLENDING
By submitting your information you are providing your express written consent to be contacted by Aspire Financial, Inc. or its subsidiaries, affiliates, or agents at the number you provided regarding products or services via live, automated, artificial or prerecorded telephone call, text messages (SMS and MMS), or email even if your telephone number is a cellular number or on a corporate WHAT IS A REVERSE MORTGAGE? The Easy Answer. In the most simple terms, a reverse mortgage is a financing option for homeowners over the age of 62 to access a portion of the equity in their home. Reverse loan programs are insured by the U.S. Federal Housing Administration. The reverse mortgage program is also known and a HECM, or home equity conversion mortgage.BRIAN VANDER PLAATS
About Me. I am Brian Vander Plaats, Mortgage Consultant for TexasLending.com. I started with TexasLending.com in July of 2012. I have been in the Mortgage/Finance business for 18+ years. I moved to Dallas from Columbia, MO in July of 2012. I reside in the University Park area of Dallas.JOE MILBURN
A competitive spirit and drive motivate me and my team. Our success is based on excellent communication and product knowledge. These keyelements
WHY BUYING A HOUSE WITH FOUNDATION PROBLEMS IS RISKY September 23, 2016 by Admin. Many people underestimate the risk of buying a house with foundation problems and the extent of repairs needed. Foundation problems generally reduce the value of a home. It can also be very costly, stressful, inconvenient, and take a lot of time to repair. Repairing a home’s foundation is much more extensivethan
TEXAS LENDING
Texas Lending - When you think of mortgage, think Texas Lending! Simplify your search. Select your loan. TexasLending.com is a Division of Aspire Financial Inc. | 4100 Alpha Road, Suite 300, Dallas, TX 75244 | NMLS ID: 137773. CAREERS IN THE MORTGAGE INDUSTRY AT TEXASLENDING.COM® TexasLending.com offers great opportunities to achieve your goals in a success-oriented career. We are a family-owned company committed to our customers’ successes and guided by a set of values that make us proud to be the TexasLending.com team. FIRST TIME HOME BUYER: SUCCESS GUIDE Calculating your down payment can be helpful to you as a first time home buyer. These are the down payment options for available loan programs: FHA Home Loan: 3.5% down payment. First Time Home Buyer Conventional Loan: 3% down payment. Conventional Home Loan: 5% down payment. USDA Home Loan: (Rural Home):0% down payment. HOW LONG DOES IT TAKE TO CLOSE ON A HOUSE The Mortgage Process: How long does it take to close on a house? A good rule is to estimate 30-35 days to from application to closing. At TexasLending.com we have closed loans in as few as 15-18 days, when there are no delays. Our goal is to help you meet your closing date and make the process as easy as possible. WHY DO I NEED AN APPRAISAL? However, if the appraised value is much lower than the purchase price, it may be time to speak with your realtor about a price negotiation. Home buyers need an appraisal to meet federal mortgage guidelines, but the appraisal also protects the home buyer by providing a documented report on the fair market value of the home. HOME BUYER VOCABULARY: 30 TERMS TO KNOW Homestead Tax Exemption. In the state of Texas homeowners can apply for this tax exemption to lower their local property taxes. To qualify, the property must be the primary residence of the home owners. The exemption application must be filed before January 1st of the first full year of ownership. (October or November is a good timeto file.)
WILLIAM COBB
I am a driven, goal oriented person that strives to provide every person I meet with the same level of customer care and professionalism I would expect from others. BornSHEILA FARGNOLI
I am a Senior Loan Officer with over 35 years of lending experience. For most of us, our mortgage is one of the single largest financial transactions we make. Your JOHN GILES - TEXASLENDING.COM About Me. My career in the real estate and mortgage industry started early in my life, in 1984. My father was a commercial developer in DFW, and I began working for him at 14 years old.JOE MILBURN
A competitive spirit and drive motivate me and my team. Our success is based on excellent communication and product knowledge. These keyelements
TEXAS LENDING
Texas Lending - When you think of mortgage, think Texas Lending! Simplify your search. Select your loan. TexasLending.com is a Division of Aspire Financial Inc. | 4100 Alpha Road, Suite 300, Dallas, TX 75244 | NMLS ID: 137773. CAREERS IN THE MORTGAGE INDUSTRY AT TEXASLENDING.COM® TexasLending.com offers great opportunities to achieve your goals in a success-oriented career. We are a family-owned company committed to our customers’ successes and guided by a set of values that make us proud to be the TexasLending.com team. FIRST TIME HOME BUYER: SUCCESS GUIDE Calculating your down payment can be helpful to you as a first time home buyer. These are the down payment options for available loan programs: FHA Home Loan: 3.5% down payment. First Time Home Buyer Conventional Loan: 3% down payment. Conventional Home Loan: 5% down payment. USDA Home Loan: (Rural Home):0% down payment. HOW LONG DOES IT TAKE TO CLOSE ON A HOUSE The Mortgage Process: How long does it take to close on a house? A good rule is to estimate 30-35 days to from application to closing. At TexasLending.com we have closed loans in as few as 15-18 days, when there are no delays. Our goal is to help you meet your closing date and make the process as easy as possible. WHY DO I NEED AN APPRAISAL? However, if the appraised value is much lower than the purchase price, it may be time to speak with your realtor about a price negotiation. Home buyers need an appraisal to meet federal mortgage guidelines, but the appraisal also protects the home buyer by providing a documented report on the fair market value of the home. HOME BUYER VOCABULARY: 30 TERMS TO KNOW Homestead Tax Exemption. In the state of Texas homeowners can apply for this tax exemption to lower their local property taxes. To qualify, the property must be the primary residence of the home owners. The exemption application must be filed before January 1st of the first full year of ownership. (October or November is a good timeto file.)
WILLIAM COBB
I am a driven, goal oriented person that strives to provide every person I meet with the same level of customer care and professionalism I would expect from others. BornSHEILA FARGNOLI
I am a Senior Loan Officer with over 35 years of lending experience. For most of us, our mortgage is one of the single largest financial transactions we make. Your JOHN GILES - TEXASLENDING.COM About Me. My career in the real estate and mortgage industry started early in my life, in 1984. My father was a commercial developer in DFW, and I began working for him at 14 years old.JOE MILBURN
A competitive spirit and drive motivate me and my team. Our success is based on excellent communication and product knowledge. These keyelements
TEXAS LENDING
Texas Lending - When you think of mortgage, think Texas Lending! Simplify your search. Select your loan. TexasLending.com is a Division of Aspire Financial Inc. | 4100 Alpha Road, Suite 300, Dallas, TX 75244 | NMLS ID: 137773. TEXAS LENDING REVIEWS Texas Lending provided a fantastic service. It was seamless, painless, and fast. This is our second time using Texas Lending, and both experiences have been positive. I highly recommend this company. 5 Melissa Sky-Eagle on BirdEye, May 21, 2021. Our representative, Andrea Bridgeman, was excellent. HOME BUYING: THE MORTGAGE PROCESS What is happening at Texas Lending: One of our licensed loan officers will talk with you about your mortgage options and your goals. This step allows for establishing a budget, analyzing your income and savings as well as your credit score, liabilities, and existing debt. Once they have the information they need to get the pre-approvalprocess
WHY YOU SHOULD SAVE FOR A RAINY DAY Here are a few reasons to tap into your rainy day savings: If you lost your job and need to pay bills. Pay for unexpected major repairs to your vehicle. Up front medical costs that aren’t covered by insurance or a health savings account. Covering utility bills that are higher than expected. Emergency veterinary costs for pets. JOHN GILES - TEXASLENDING.COM About Me. My career in the real estate and mortgage industry started early in my life, in 1984. My father was a commercial developer in DFW, and I began working for him at 14 years old.BRIAN VANDER PLAATS
About Me. I am Brian Vander Plaats, Mortgage Consultant for TexasLending.com. I started with TexasLending.com in July of 2012. I have been in the Mortgage/Finance business for 18+ years. I moved to Dallas from Columbia, MO in July of 2012. I reside in the University Park area of Dallas. SCOTT LOWE - TEXASLENDING.COM About Me. I was born and raised in Indianapolis, Indiana and graduated from Indiana University. I was in the airline industry for over 14 years. I quickly learned the value of Customer Service. I have most recently been a Mortgage Consultant for over 16 years.JASON HICKS
About Me. I was born and raised in a small town in the central part of Illinois and moved to Allen, Texas when I was 16 yrs old. I have been in the mortgage industry for almost 20 years. WHY BUYING A HOUSE WITH FOUNDATION PROBLEMS IS RISKY September 23, 2016 by Admin. Many people underestimate the risk of buying a house with foundation problems and the extent of repairs needed. Foundation problems generally reduce the value of a home. It can also be very costly, stressful, inconvenient, and take a lot of time to repair. Repairing a home’s foundation is much more extensivethan
GARY ALEXANDER
Hello! My name is Gary Alexander and I have been with TexasLending.com for about 14 years. Started doing mortgages back in 2002 .. After 20 years of working as a independent contractor for the Dallas Morning News. In charge of one the largest districts that existed back then. I overlooked home delivery ,collections and sales and service forTEXAS LENDING
Texas Lending - When you think of mortgage, think Texas Lending! Simplify your search. Select your loan. TexasLending.com is a Division of Aspire Financial Inc. | 4100 Alpha Road, Suite 300, Dallas, TX 75244 | NMLS ID: 137773. CAREERS IN THE MORTGAGE INDUSTRY AT TEXASLENDING.COM® TexasLending.com offers great opportunities to achieve your goals in a success-oriented career. We are a family-owned company committed to our customers’ successes and guided by a set of values that make us proud to be the TexasLending.com team. FIRST TIME HOME BUYER: SUCCESS GUIDE Calculating your down payment can be helpful to you as a first time home buyer. These are the down payment options for available loan programs: FHA Home Loan: 3.5% down payment. First Time Home Buyer Conventional Loan: 3% down payment. Conventional Home Loan: 5% down payment. USDA Home Loan: (Rural Home):0% down payment. HOW LONG DOES IT TAKE TO CLOSE ON A HOUSE The Mortgage Process: How long does it take to close on a house? A good rule is to estimate 30-35 days to from application to closing. At TexasLending.com we have closed loans in as few as 15-18 days, when there are no delays. Our goal is to help you meet your closing date and make the process as easy as possible. WHY DO I NEED AN APPRAISAL? However, if the appraised value is much lower than the purchase price, it may be time to speak with your realtor about a price negotiation. Home buyers need an appraisal to meet federal mortgage guidelines, but the appraisal also protects the home buyer by providing a documented report on the fair market value of the home. HOME BUYER VOCABULARY: 30 TERMS TO KNOW Homestead Tax Exemption. In the state of Texas homeowners can apply for this tax exemption to lower their local property taxes. To qualify, the property must be the primary residence of the home owners. The exemption application must be filed before January 1st of the first full year of ownership. (October or November is a good timeto file.)
WILLIAM COBB
I am a driven, goal oriented person that strives to provide every person I meet with the same level of customer care and professionalism I would expect from others. BornSHEILA FARGNOLI
I am a Senior Loan Officer with over 35 years of lending experience. For most of us, our mortgage is one of the single largest financial transactions we make. Your JOHN GILES - TEXASLENDING.COM About Me. My career in the real estate and mortgage industry started early in my life, in 1984. My father was a commercial developer in DFW, and I began working for him at 14 years old.JOE MILBURN
A competitive spirit and drive motivate me and my team. Our success is based on excellent communication and product knowledge. These keyelements
TEXAS LENDING
Texas Lending - When you think of mortgage, think Texas Lending! Simplify your search. Select your loan. TexasLending.com is a Division of Aspire Financial Inc. | 4100 Alpha Road, Suite 300, Dallas, TX 75244 | NMLS ID: 137773. CAREERS IN THE MORTGAGE INDUSTRY AT TEXASLENDING.COM® TexasLending.com offers great opportunities to achieve your goals in a success-oriented career. We are a family-owned company committed to our customers’ successes and guided by a set of values that make us proud to be the TexasLending.com team. FIRST TIME HOME BUYER: SUCCESS GUIDE Calculating your down payment can be helpful to you as a first time home buyer. These are the down payment options for available loan programs: FHA Home Loan: 3.5% down payment. First Time Home Buyer Conventional Loan: 3% down payment. Conventional Home Loan: 5% down payment. USDA Home Loan: (Rural Home):0% down payment. HOW LONG DOES IT TAKE TO CLOSE ON A HOUSE The Mortgage Process: How long does it take to close on a house? A good rule is to estimate 30-35 days to from application to closing. At TexasLending.com we have closed loans in as few as 15-18 days, when there are no delays. Our goal is to help you meet your closing date and make the process as easy as possible. WHY DO I NEED AN APPRAISAL? However, if the appraised value is much lower than the purchase price, it may be time to speak with your realtor about a price negotiation. Home buyers need an appraisal to meet federal mortgage guidelines, but the appraisal also protects the home buyer by providing a documented report on the fair market value of the home. HOME BUYER VOCABULARY: 30 TERMS TO KNOW Homestead Tax Exemption. In the state of Texas homeowners can apply for this tax exemption to lower their local property taxes. To qualify, the property must be the primary residence of the home owners. The exemption application must be filed before January 1st of the first full year of ownership. (October or November is a good timeto file.)
WILLIAM COBB
I am a driven, goal oriented person that strives to provide every person I meet with the same level of customer care and professionalism I would expect from others. BornSHEILA FARGNOLI
I am a Senior Loan Officer with over 35 years of lending experience. For most of us, our mortgage is one of the single largest financial transactions we make. Your JOHN GILES - TEXASLENDING.COM About Me. My career in the real estate and mortgage industry started early in my life, in 1984. My father was a commercial developer in DFW, and I began working for him at 14 years old.JOE MILBURN
A competitive spirit and drive motivate me and my team. Our success is based on excellent communication and product knowledge. These keyelements
TEXAS LENDING
Texas Lending - When you think of mortgage, think Texas Lending! Simplify your search. Select your loan. TexasLending.com is a Division of Aspire Financial Inc. | 4100 Alpha Road, Suite 300, Dallas, TX 75244 | NMLS ID: 137773. TEXAS LENDING REVIEWS Texas Lending provided a fantastic service. It was seamless, painless, and fast. This is our second time using Texas Lending, and both experiences have been positive. I highly recommend this company. 5 Melissa Sky-Eagle on BirdEye, May 21, 2021. Our representative, Andrea Bridgeman, was excellent. HOME BUYING: THE MORTGAGE PROCESS What is happening at Texas Lending: One of our licensed loan officers will talk with you about your mortgage options and your goals. This step allows for establishing a budget, analyzing your income and savings as well as your credit score, liabilities, and existing debt. Once they have the information they need to get the pre-approvalprocess
WHY YOU SHOULD SAVE FOR A RAINY DAY Here are a few reasons to tap into your rainy day savings: If you lost your job and need to pay bills. Pay for unexpected major repairs to your vehicle. Up front medical costs that aren’t covered by insurance or a health savings account. Covering utility bills that are higher than expected. Emergency veterinary costs for pets. JOHN GILES - TEXASLENDING.COM About Me. My career in the real estate and mortgage industry started early in my life, in 1984. My father was a commercial developer in DFW, and I began working for him at 14 years old.BRIAN VANDER PLAATS
About Me. I am Brian Vander Plaats, Mortgage Consultant for TexasLending.com. I started with TexasLending.com in July of 2012. I have been in the Mortgage/Finance business for 18+ years. I moved to Dallas from Columbia, MO in July of 2012. I reside in the University Park area of Dallas. SCOTT LOWE - TEXASLENDING.COM About Me. I was born and raised in Indianapolis, Indiana and graduated from Indiana University. I was in the airline industry for over 14 years. I quickly learned the value of Customer Service. I have most recently been a Mortgage Consultant for over 16 years.JASON HICKS
About Me. I was born and raised in a small town in the central part of Illinois and moved to Allen, Texas when I was 16 yrs old. I have been in the mortgage industry for almost 20 years. WHY BUYING A HOUSE WITH FOUNDATION PROBLEMS IS RISKY September 23, 2016 by Admin. Many people underestimate the risk of buying a house with foundation problems and the extent of repairs needed. Foundation problems generally reduce the value of a home. It can also be very costly, stressful, inconvenient, and take a lot of time to repair. Repairing a home’s foundation is much more extensivethan
GARY ALEXANDER
Hello! My name is Gary Alexander and I have been with TexasLending.com for about 14 years. Started doing mortgages back in 2002 .. After 20 years of working as a independent contractor for the Dallas Morning News. In charge of one the largest districts that existed back then. I overlooked home delivery ,collections and sales and service for SIMPLIFY YOUR SEARCH. SELECT YOUR LOAN. © TexasLending.com is a Division of Aspire Financial Inc. | 4100 Alpha Road, Suite 300, Dallas, TX 75244 | NMLS ID: 137773Details
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