We specialized in first-time homebuyers, second homes, investments, and other loan products. My two decades of experience will ease your worries. Inquire about the best home loan programs in Texas that we can offer.
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Fixed-rate conventional mortgages
ITIN, Non-QM Loans
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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.
Inquire for the best loan options that you can get.
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.
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.
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.
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).
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 - powered by Barrett Financial 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.
NMLS# 262973 Co. NMLS #181106
No-hassle loan applications
Step-by-step guide in closing your loans
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.
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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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After figuring out which loans is the most beneficial for you. You can go ahead and start the application process.
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Although lenders conform to standards set by government agencies, loan approval guidelines vary depending on the terms of each loan.
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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.
Read our guides and more -- check out our blogs!
"Whether you're drawn to the charm of an older home or the modern amenities of a new build, the key is finding the right fit for your lifestyle and financial goals." - Anonymous
As a first home buyer, getting onto the property ladder can be challenging. Saving for a deposit, navigating tighter lending conditions, and dealing with rising interest rates have made housing affordability a major hurdle. However, buying a new build can offer several cost-saving benefits to help first home buyers overcome these challenges.
Most lenders require a 20% deposit for first home buyers, but there are options to buy with less. These loans are exempt from Loan to Value restrictions, which limits low deposit lending by banks.
Many lenders offer discounted interest rates for new builds or turnkey properties. These rates can change frequently, so working with a Mortgage Adviser from Texans Mortgage Group can ensure you get the latest and best offers.
New homes come with modern energy-saving features like double glazing and superior insulation, reducing heating and cooling costs and enhancing overall comfort.
Built with new materials and innovations, new homes often meet higher standards and require less maintenance over time.
Insurance for new builds can be more affordable due to lower risks. However, premiums depend on various factors, so consulting with an Insurance Adviser can help you find the best coverage at the best price.
While new builds offer many advantages, existing homes have their own set of benefits that appeal to first home buyers:
Existing homes typically have larger sections and living areas compared to new builds, which often maximize space with smaller footprints and less outdoor area.
When you buy an existing home, the cost is known upfront, avoiding potential construction cost overruns or contract cancellations due to "sunset clauses."
Older homes are often located in well-developed areas with established infrastructure, transport, schools, and retail facilities, offering greater convenience.
One of the biggest advantages of buying an existing home is the ability to move in right after the purchase, without waiting for construction to complete or dealing with potential delays.
Conclusion:
Navigating the property market as a first home buyer can be complex, but with the right strategies and expert advice, it's achievable. Contact the team Texans Mortgage Group to get the guidance you need to grow your deposit and make your dream of homeownership a reality.
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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Reviews were imported from Google & Facebook
The best trio! I had the pleasure of working with Patricia and she has been of great assistance throughout the entire process. Even after we closed on our home she is there to answer any questions. Highly recommended, the best. Rudy and Team, thank you!!!
Rudy and the staff are so nice you get the good vibe when you walk in very sweet front desk girl I’m very blessed to have friends like Rudy se los recomiendo *5
Rudy and the rest of the staff are so helpful and welcoming. They make you feel like family even after the whole process is over. Everyone knows that the home buying process is not a walk in the park, it’s stressful, it’s frustrating at times but with Texas Mortgage Lender you never feel that way. They help you every step of the way, best decision I ever made. I have been in my home since 2017.
Best customer service at this location
Address: 16821 Buccaneer Lane, Suite 200, Houston, TX 77058
COMPANY NMLS: 181106
RUDY ZARATE | NMLS #262973 | Barrett Financial Group, L.L.C. | NMLS #181106
View complaint policy at www.barrettfinancial.com/texas-complaint
This is not a commitment to lend. All loans are subject to credit approval.
Our Houston, TX Office:
(281) 747-6699
Our McAllen, TX Office:
(956) 255-0454
Operating Hours:
Mon 08:30 am – 05:30 pm
Tue 07:30 am – 04:30 pm
Wed 07:30 am – 04:30 pm
Thu 08:30 am – 05:30 pm
Fri 07:30 am – 04:30 pm
Weekends Closed