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!
"VA loans made our dream of owning a home possible." - Anonymous
As a mortgage company focused on helping people achieve homeownership, we know how important it is to find the right loan. For veterans, active-duty service members, and their families, VA loans are a great option to get affordable home financing. In this simple guide, we’ll explain what VA loans are, their benefits, who can qualify, and how to apply.
VA loans are home loans backed by the U.S. Department of Veterans Affairs (VA) and given by private lenders like banks. These loans are made to help veterans, active-duty service members, and eligible surviving spouses buy, refinance, or build homes with good terms and low upfront costs.
One of the best things about VA loans is that you usually don’t need a down payment. This means you don’t have to save a lot of money upfront, making it easier to buy a home.
VA loans often have lower interest rates than regular loans, which saves you money over time. Lower rates mean lower monthly payments, making homeownership more affordable.
Unlike regular loans that need private mortgage insurance (PMI) if you put down less than 20%, VA loans don’t need PMI. This saves you more money over the life of the loan.
VA loans generally have easier credit requirements than regular loans. This can help people who have had financial problems in the past.
VA loans offer simple ways to refinance, like the Interest Rate Reduction Refinance Loan (IRRRL) or VA Cash-Out Refinance. These options help you lower your interest rate or take out cash from your home’s equity with less hassle.
To get a VA loan, you need to:
- Be a veteran, active-duty service member, or eligible surviving spouse
- Meet service requirements for National Guard and Reserve members
- Have a minimum credit score and income
- Get a Certificate of Eligibility (COE) from the VA
Applying for a VA loan is similar to other home loans. You’ll need to:
- Get prequalified
- Submit required documents
- Have the property appraised
- Get loan approval
You can work with approved VA lenders to make this process easier.
In summary, VA loans offer many benefits for veterans, active-duty service members, and their families. With no down payment, low-interest rates, no PMI, and flexible credit requirements, VA loans make it easier to buy a home. If you’re a veteran or service member interested in VA loans, contact Texans Mortgage Group today to learn more and start your journey to homeownership!
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