Frank's Blog

I have many Realtors and Clients alike ask me to give them the reqirements for applying for Down Payment Assistance.  Now remember that not all Down Payment Assistance Programs require the same things.   That being said I will give you a short check list for you to go off of. ____  Most recent 3 ...

What should I do first?  I am not sure which road to chose from?  Do you ask yourself this question?  It may seem that the Purchase of a Home is getting more and more difficult now that FHA is making some major changes to its required funds for closing it's even more important than ever to know ...

Beat the Rush!!!! The City of Houston has some great opportunities for Home Buyers (notice I didn't state First Time Home Buyers).  The City has really gotten aggressive in selling homes in Houston.  There is a huge difference in the program from years past and now anyone can take advantage of t...

Are you "Jumping through Hoops to close your Loans"? With the extension of the $8,000 Tax Credit there was an added provision that allows the second time home buyer to recieve $6500 as well.  This being said I am asked a couple times a week by Agents, Realtors, Builders, and Clients "Can I/Client...

I have people ask me all of the time if they should Refinance or not?  It is hard to say for sure but here are a couple of good reasons to Refinance.  It is a great time to Refinance since Interest Rates are at all time lows.  If you have a interest rate over 6.0%   Converting a 30 year to 15 yea...

Thank God for everything!  I have been a Loan Officer during the worst time in recent history to be in this business.  It was good for a few years but then the tracks ended about 1.5 years ago.  We are still here working hard and helping families obtain there dream "owning there own home".  Many ...

I am very excited to announce a new loan program to the Houston Area.  This loan is not for everyone but it can help some buyers.  This loan is only available in the Houston Area for now! Here are a couple Highlights for this loan:  The minimum middle credit score is 595.  Occupancy: Owner or Inv...

I am very excited to announce a new loan program to the Houston Area.  This loan is not for everyone but it can help some buyers.  This loan is only available in the Houston Area for now! Here are a couple Highlights for this loan:  The minimum middle credit score is 595.  Occupancy: Owner or Inv...

Realtors guide for Home Loan Process  Introduction: I have come up with this system to better explain the loan process for the Real Estate community.  I as a Loan Officer try to educate my fellow Real Estate colleagues in the loan process.  If we all are on the same page then we can work in bette...

I help a lot of first time home buyers and everyone has a lot of questions.  I wanted to put together a short summary of the loan process.  I will be brief just to not over complicate things. Qualification- you need to provide certain documentation to be qualified. 30 days Pay stubs; 2 months ban...