Ok, today we are going to talk about real estate planning and why it’s necessary. You don’t have to be wealthy to have an estate plan. No matter who you are, you probably have possessions you’d like your children to have once you’re gone. And you definitely want to have a say in who will take care of your kids if you die before your time. Here are 4 reasons why you should start thinking about estate planning today. If you are looking for a top-notch loan officer in Houston call us at, 713-961-5363.

Ok, today we are going to talk about how to convert a construction loan into a traditional mortgage. If you’re planning to build a house or do a major renovation, you usually can’t qualify for a traditional mortgage because there’s no existing home to use as collateral. What you need is a construction loan, which is based on the projected future value of the completed property. Generally, construction loans are interest-only while the house is being built. Then when construction is complete, you refinance into a regular mortgage. Here’s how the process works. If you are looking for a top-notch loan officer in Houston call us at, 713-961-5363.

Ok, today we are going to talk about what cash reserves are and why you need them to buy a home. When buying a house, most people only think about saving enough to cover a down payment and closing costs. But lenders like to see more than that. Borrowers who have additional “cash reserves” are considered lower risk and are more likely to be approved for financing at the lowest possible rate. So, what are “cash reserves” and how can they benefit you? Take a look. If you are looking for a top-notch loan officer in Houston call us at, 713-961-5363.

Ok, today we are going to talk about the pros and cons for buying a house verses building new. Deciding whether to buy an existing house or build a brand new one can be complicated. There are so many factors to consider. Here’s a list of pros and cons for both building new and buying an existing home. If you are looking for a top-notch loan officer in Houston call us at, 713-961-5363.

Ok, today we are going to cover 5 tips for buying a condo. Millions of people have either decided that condo living suits their budget and lifestyle better than single-family homeownership, or they purchase condos as an investment, second home, or vacation property. There are important differences between buying a home and buying a condo. So, before you make an offer. Here are 5 tips for buying a condo. If you are looking for a top-notch loan officer in Houston call us at, 713-961-5363.

Ok, today we are going to talk about 3 questions you should ask your mortgage lender before getting a mortgage. Buying a home is a big investment as well as a complex and time-consuming transaction. Whether you’re brand new to home ownership or a seasoned purchaser, you need the support and advice of a local mortgage professional. Here are 3 questions to ask your mortgage lender. If you are looking for a top-notch loan officer in Houston call us at, 713-961-5363.

Ok, today we are going to talk about how to avoid being house-rich, but cash-poor. Being house-rich and cash-poor means you have more equity in the value of your home than you have in liquid assets. Or, your debt-to-income ratio is higher than 40%. Home ownership is a sound financial decision that helps build future stability. But it can also lead to hardship if you take on a financial commitment you can’t realistically afford. Here are 5 steps to avoid becoming house-rich but cash-poor. If you are looking for a top-notch loan officer in Houston call us at, 713-961-5363.

Ok, today we are going to talk about the important questions you need to consider before refinancing your mortgage. When interest rates drop, it makes refinancing your mortgage a tempting proposition. But is it worth it? Here are 4 critical questions to ask before you refinance. If you are looking for a top-notch loan officer in Houston call us at, 713-961-5363.

Ok, today we are going to talk about when it’s acceptable to back out of an offer and how to do it. It’s only natural to have second thoughts after making a major decision. But if your offer to buy a house is accepted and THEN you decide to back out of it, things can get a little complicated. It’s definitely possible, but it can be expensive and create legal issues. Here are some things to consider. If you are looking for a top-notch loan officer in Houston call us at, 713-961-5363.

Ok, today we are going to talk about how to build your savings up FAST! Have an unexpected financial need? Rather than borrowing or putting it on your credit card—which just makes your financial situation worse—consider accelerated saving. Here are 7 ways to accelerate your savings. If you are looking for a top-notch loan officer in Houston call us at, 713-961-5363.

Ok, today we are going to talk about 6 things to do before you list your house. If you’re thinking of selling soon, you’ve probably already started working on enhancements like painting, replacing appliances, installing new flooring or re-grouting bathrooms. But there are lots of little maintenance items you need to take care of too. Here are 6 things to do before you list your house. If you are looking for a top-notch loan officer in Houston call us at, 713-961-5363.

Ok, today we are going to talk about an important thing you should do before you buy in an area… test drive the neighbourhood! You wouldn’t think of buying a car without driving it first. And buying new shoes usually involves wearing them around the store a couple of times. So how do you know you’ll actually like the neighbourhood you’re considering, unless you try it out? Here are 4 ways to test drive a neighbourhood. If you are looking for a top-notch loan officer in Houston call us at, 713-961-5363.

Ok, today we are going to talk about three things you need to know before you borrow from your home equity. Accessing your home equity through a home equity line of credit (HELOC) or cash-out refinance can be an affordable way to pay for renovations or education. Here are 3 things you need to know before applying for a HELOC. If you are looking for a top-notch loan officer in Houston call us at, 713-961-5363.

Ok, today we are going to talk about the 9 questions to ask your Realtor before you list your home with them. Finding and selecting a Realtor is an important step in the selling process. Recent data suggests that “For Sale by Owner” houses sell for about 25% less than houses sold by Realtors. To find the Realtor who’ll work best for you, interview two or three and ask them important things about their work experience, past sales, qualifications, etc. Here are 9 questions to ask your Realtor before you list. If you are looking for a top-notch loan officer in Houston call us at, 713-961-5363.

Ok, today we are going to talk about how to furnish your home on a budget. If you’ve just bought a home, you may feel pressured to furnish the whole thing all at once, which can be expensive. But there are many ways to moderate costs. Here are 6 tips for furnishing your home on a budget. If you are looking for a top-notch loan officer in Houston call us at, 713-961-5363.

Ok, today we are going to talk about how to start investing. Obviously, there are several things to take care of before you can start investing. You need to cover rent or mortgage payments, monthly bills, groceries, etc., and you also need some money set aside for emergencies. But once you’ve accomplished that, it’s time to start investing for the future. Here are 5 steps to help you start investing. If you are looking for a top-notch loan officer in Houston call us at, 713-961-5363.

Ok, today we are going to talk about 5 things you need to know about foreclosures. Heaven forbid, you get several months late on mortgage payments, your lender’s last resort is to initiate foreclosure. This is a lengthy and expensive process for your lender, but its impact on you can be even more negative.
Here’s 5 facts you need to know about the foreclosure process. If you are looking for a top-notch loan officer in Houston call us at, 713-961-5363.

Ok, today we are going to talk about 3 things you need to do before house hunting. Finding for your dream home is a lot easier if you get your finances in shape before you start looking. If you’re thinking about buying within the next year, now’s the perfect time to start preparing. Here are the first 3 steps to take before house hunting. If you are looking for a top-notch loan officer in Houston call us at, 713-961-5363.

Thinking about buying a property any time soon? If so, here are the closing costs to be aware of before you buy (so you don’t have any unwanted surprises). If you are looking for a top-notch loan officer in Houston call us at, 713-961-5363.

OK, today we're going to talk about an unfortunate but common challenge that many homeowners face. You see, when you and your partner get together and jointly buy a house, it’s only natural to assume everything will be “happily ever after”. But the sad truth is many relationships eventually end in separation, and that can have a dramatic impact on your mortgage. Here are some potential scenarios to consider. If you are looking for a top-notch loan officer in Houston call us at, 713-961-5363.