Our Latest Blogs
Seller-Paid Rate Buy down: Strengthening Your Offer
A seller-paid rate buy down is an option that not many home buyers know about. This type of concession can be a win-win scenario for both buyer and seller. Including this request in your offer will strengthen your offer while making your potential monthly mortgage payments more affordable. In this unique moment in the housing market, home prices have risen and the FED’s decisions to raise interest rates has impacted the mortgage market. Affordability for home buyers is being stretched
How to Get the Best Mortgage Rate in Texas
Learn what a mortgage is and how it works in Texas. Discover Texas-specific property tax benefits, homestead exemptions, and foreclosure protections that make buying a home in the Lone Star State unique. If you’re considering buying a home in Texas, understanding how mortgages work is your first step toward home ownership. Whether you’re a first-time buyer or returning to the market after years away, Texaslending is here to guide you through every step of the process. A mortgage is more
6 Ways to Save Money on Your Mortgage
Being strategic can help you save money on your mortgage. Buying a home is the largest investment that most Americans make in their lifetime. Your mortgage will potentially be a part of your financial plan for the next 30 years. Understanding how to get the best deal on your home loan and knowing the money-saving options available to you is key to making smart financial moves. Take some or all of these 6 steps to save money on your mortgage:
5 Simple Habits for Organizing Your Finances
Organizing your finances can help make your life less stressful with some changes to your habits. The decisions you make about your money today can impact both your immediate and long-term future. Establishing some healthy financial habits can help you build your savings, keep up with due dates, and track your bigger financial goals. Big changes most often happen over time in a number of smaller changes. If you make a few simple changes to your financial strategy, you will
When is a good time to buy a home?
When is a good time to buy a home? If you are dreaming about becoming a homeowner, knowing when to buy a home is likely a question on your mind. The truth is that the right time to buy a home is different for every person. You should consider your personal goals and financial readiness to be just as much, or even more, important than finding the perfect market conditions. When it comes to making the decision to buy a
Top 3 Tips: How to Find a Good Real Estate Agent
Finding a good real estate agent can make your home buying or selling experience much easier. Their knowledge of your local housing market and the detailed steps of a real estate transaction make a potential agent a true asset to you. A good real estate agent keeps you informed with clear communication, is honest with their advice, and uses time efficiently. However, an inexperienced agent can leave you feeling frustrated and lost. There are a few ways to find a
Are you throwing money away on rent?
It’s not uncommon to hear the idea that renting is throwing away money. However taking a closer look at the investment that home ownership requires, in comparison to the relative freedom of renting property deserves some context. There can be financial reasons to choose to continue to rent, just like there are benefits to buying a home. It is advisable to consider your long- and short-term goals in deciding if you are actually throwing money away. Are you throwing money
Negotiating in a Buyer’s Market: Home Buyer Guide
What are the advantages you have in a buyer’s market, and how can you get the best deal possible? Just last year we posted an article about “Competing in a Seller’s Market”, but since then some big changes have happened. We have seen a shift in the real estate market, giving the negotiating advantage to home buyers. In the 3rd and 4th quarters of 2022, we have begun to see the median home prices gradually drop each month, both in
