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Whatever the case may be, it's best that you inquire and talk to me. Let's see how I can help you and explore your options.

What are the Common Loan Programs?

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FHA Home Loan

FHA home loans are mortgages which are insured by the Federal Housing Administration (FHA), allowing borrowers to get low mortgage rates with a minimal down payment.

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VA Loans

The VA Loan provides veterans with a federally guaranteed home loan which requires no down payment. This program was designed to provide housing and assistance for veterans and their families.

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USDA Loans

If you're looking to buy a home in a rural or suburban area with no down payment and minimal investment, you might consider the USDA Rural Development Loan.

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Jumbo Loans

Jumbo Loans are used to finance properties that are too expensive for a conventional conforming loan. There's maximum amount for a conforming loan as determined by the Federal Housing Finance Agency (FHFA).

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With me, there's no compromise.

2 Decades of experience

As an experienced loan officer in Texas, you can count on me to guide you through the mortgage process. Whether you are a first-time homebuyer, a current homeowner wanting to refinance an existing mortgage or add an investment property to your rental portfolio, my focus is on providing a five-star customer experience. Texans Mortgage Group offers competitive interest rates and a wide range of loan products from fixed-rate conventional mortgages to FHA, VA, Jumbo loans as well as down-payment assistance programs.

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Home buying journey in 5 simple steps!

01: Find Out How Much you can Borrow

The first step in obtaining a loan is to determine how much money you can borrow. In case of buying a home, you should determine how much home you can afford even before you begin looking. By answering a few simple questions, we will calculate your buying power, based on standard lender guidelines.

02

: Select the right loan program

Home loans come in many shapes and sizes. Deciding which loan makes the most sense for your financial situation and goals means understanding the benefits of each.

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03

: Apply for a loan

After figuring out which loans is the most beneficial for you. You can go ahead and start the application process.

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04

: Begin loan processing

Although lenders conform to standards set by government agencies, loan approval guidelines vary depending on the terms of each loan.

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05

: Close your loan

After your loan is approved, you are ready to sign the final loan documents. You must review the documents prior to signing and make sure that the interest rate and loan terms are what you were promised.

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Understanding Resale Value: A Key Factor for Texas Homebuyers

Understanding Resale Value: A Key Factor for Texas Homebuyers

November 06, 20243 min read

"Buying a home with resale value in mind ensures you're not just investing in property but also in future financial stability." - Anonymous

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Introduction:

When buying a home, it's not just about finding a place you love; it's also about making a smart investment. The resale value of your home can significantly impact your financial future, making it an essential consideration for Texas homebuyers. In this blog, we’ll explore how factors like neighborhood, local amenities, and market trends influence resale value and what you can do to make a confident, future-proof investment.

Why Resale Value Matters:

  • The resale value determines how much profit (or loss) you might make when selling your home down the line. Homes in high-demand areas generally retain or increase in value over time.

  • Learn how resale value impacts your long-term financial health and future homebuying opportunities.

Impact of Neighborhood Quality on Resale Value:

  • A neighborhood’s appeal can dramatically affect your home’s value. Factors like good schools, safety, and community engagement boost a neighborhood’s reputation and desirability.

  • Discover why choosing a home in a quality neighborhood can lead to a higher resale value.

Location-Specific Amenities:

  • Proximity to parks, entertainment centers, restaurants, and shopping areas can increase a property’s value. People tend to pay a premium for convenience and a well-rounded lifestyle.

  • Learn which amenities in Texas neighborhoods can make a difference in your home’s future marketability.

Texas-Specific Market Trends:

  • Texas has experienced significant growth in recent years, with urban and suburban areas seeing rapid development. This demand for housing often results in appreciating property values.

  • Understand current trends in the Texas housing market and how they may impact the resale value of homes in your area.

Condition of the Local Housing Market:

  • The overall housing market, including supply and demand in your area, can significantly influence resale value. Buying during a low-inventory period may mean higher appreciation as demand continues to grow.

  • Explore how housing supply and demand impact resale value and what to watch for when buying in a competitive market.

Home Improvements and Renovations:

  • Certain renovations, like kitchen upgrades or adding outdoor spaces, can boost your home’s resale value. However, the impact varies by location and neighborhood.

  • Get tips on which renovations are likely to increase your home’s value and appeal to future buyers in Texas.

Impact of School Districts:

  • Homes in reputable school districts typically hold their value better than those in areas with lower-rated schools. Many buyers prioritize education quality, which helps sustain demand.

  • Learn how a strong school district can positively influence the resale value and desirability of a home.

Future Development in the Area:

  • Planned developments such as shopping centers, public transportation, and new businesses can increase a neighborhood’s appeal, often driving up home values.

  • Find out why researching future developments is essential to making a smart home investment in Texas.

Conclusion:

The resale value of your home is a powerful indicator of its long-term worth, influenced by many factors that go beyond the walls of your property. By choosing a home in a desirable neighborhood and staying informed about local market trends and developments, you can protect and potentially grow your investment over time. With thoughtful planning, your Texas home can provide lasting value for years to come, whether you choose to stay or sell in the future.

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Disclaimer: This content is intended for general information purposes and not as personalized financial advice. For tailored guidance, consult with the experts at Texans Mortgage Group.

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Rudy Zarate

Rudy Zarate | NMLS #262973| Barrett Financial Group, L.L.C. | NMLS #181106

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Hear What Our Clients Say

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Edwin Armilla

Mr. Zarate was very helpful through the whole lending process. Any questions I had were always answered in a timely manner. Very knowledgeable and great communication. Definitely would recommend to anyone.

Elaine Carrasco

As a Realtor, I give Rudy Zarate 5 stars. He always answered his phone and he provided top notch service, always providing updates for my buyers and myself, every step of the way. He certainly went the extra mile! Thank you, looking forward to doing business again soon!!

Steven Doran

Rudy is the man, he got it done! I have less than stellar credit and he made my dreams of home ownership a reality. We first talked in the summer and he gave me the right pointers to improve my credit to qualify for a loan. Today a few months later I just closed on my new home.

Rudy and team are amazing, and they are excellent at communicating and keeping you informed along the way. Communication is key when you’re doing something as big as applying for a mortgage, and Rudy has by far been the best mortgage broker I’ve had the pleasure of dealing with. I will definitely recommend him and use him again in the future if the opportunity arises.

Fernanda Alvarado

Rudy and his team helped me out so much!! Im so thankful for law firm Jackeline Gonzalez for recommending me to Texans Mortgage. Everything has been so smooth!!

Address: 711 W Bay Area Blvd. Ste 286, Webster, TX 77598

COMPANY NMLS: 2716207

RUDY ZARATE | NMLS #262973 | Texans Mortgage Goals LLC | NMLS #2716207

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tmg@rudyzarate.com

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