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NEXTA
By Leesa Sandoval
If you have had to declare bankruptcy in Texas you are not ineligible for a mortgage loan. For the most part it’s just a matter of time before you can qualify for a loan. Generally speaking you need about 3 years from the time the bankruptcy was discharged. During that time it’s important to work on rebuilding credit and keeping your trade lines current.
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By Leesa Sandoval
Buying a home vs. renting in Texas is a big decision that takes careful consideration, as most mortgage consultants will agree. But the rewards of home ownership are great. For many years, purchasing real estate has been considered an extremely profitable investment. It is an achievement that offers a sense of pride, financial stability and potential tax advantages.
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By Leesa Sandoval
If you are in the market for a new home but need some money for down payment, closing costs, etc then you may qualify for a grant from Rockwall County
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By Leesa Sandoval
While credit repair in Texas is necessary for some, it’s not the only way to increase your credit score
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By Leesa Sandoval
Grand Prairie and Rockwall Counties in Texas have loan and grant programs to help home buyers with their purchases.
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By Leesa Sandoval
Secured credit cards are an optimum way to start rebuilding your credit scores. You want a minimum of two credit cards and/or secured credit cards. The more credit cards you have the more opportunities to add points to your scores as long as you manage those cards effectively.
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By Leesa Sandoval
If you’ve been passing up buying a home in Texas because it requires cosmetic repairs and you are lacking the funds for repairs and/or upgrades FHA has a program for you. Not to be confused with FHA’s full 203K program, a Streamlined 203K loan eliminates much of the paperwork and simplifies the process to obtain rehab funds.
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By Leesa Sandoval
These days everyone is looking for a deal, especially with the amount of foreclosed homes on the market. I would like to take a moment to share with you a few programs that will allow you to purchase your home with $100 down or less.
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By Leesa Sandoval
As a consumer, it’s important to understand that mortgage rates change with the movement in the bond market, specifically the value of mortgage-backed securities. These changes happen daily and sometimes multiple times a day. Rates will vary from program to program. For example, rates on USDA loans are a bit higher than FHA loans because USDA allows for 100% financing.
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By Leesa Sandoval
This program allows a first time home buyer in Texas to monetize the $8000 tax credit and apply it to their down-payment and closing costs.
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