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Searching for Best Mortgage Lender in Houston

 

Here’s how you can be sure to be ready to buy your dream home in the year 2018! Searching for the best mortgage lender in houston or real estate professional is not an easy task. Below are some of our best tips that you can use to efficiently plan out your home purchase:

1. First and before even begin searching for homes, you need to make sure that you check your credit scores. Keep in mind well known and heavily advertised online companies offering your scores are often misleading as scores are just estimates, not the Tri-Merge Scores used in the mortgage banking industry. Your credit score is crucial towards you being approved for a home loan since the lender takes a close look at not only your income, assets or employment history but also your middle credit score. Search for a lender which will allow you purchase a copy of Tri-Merge credit score so you don’t have to pull credit at several institutions to obtain a quote.

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2. Second and no matter how appealing the thought of buying anything new might seem to be at that moment specially during the holidays, our recommendation is to wait. Doing so may eliminate your chance to purchase a house for another 2 or 3 more years. Buying on credit even with the stores’ promise of delayed future payments, the balance of your purchase and its monthly payment show up almost immediately under your credit report. So, if your desire is to become a home owner consult first with us whether your intended future purchases will affect your qualification chances.

3. Third save money at closing by asking your loan officer about available special incentive programs from preferred real estate agents and/or brokers which may help you save in some cases even $2,500 which you would need to otherwise pull from your pocket. Only one question may get you enough money to buy brand new appliances for free!

4. Be humble and loyal once you chose the lender and/or real estate professional you feel gives you best value after your complete a thorough research about market options. Buying a house is almost a full-time job for a brief period of time. In certain occasions,  buyers’ bossy attitudes may discourage loan officer and/or real estate agents from going the extra mile searching incentives they could have obtained if had a nicer and humble attitude.

5. Last but certainly not the least, always research for the best mortgage lender in Houston and/or real estate agents offering best value. We cannot stress on the importance of this because as a homebuyer, there are a lot of things that you might not be aware of, therefore getting an agent who is trustworthy, informative and reputable is key!

Customers Reviews:

  • Oscar y Yecenia Rangel • January 31, 2014

    Estimado JOAN:

    Por medio de la presente, queremos enfatizar nuestro agradecimiento por tu trabajo, colaboración, profesionalismo y dedicación a nuestra petición de crédito para la compra de nuestra casa, créelo y lo enfatizo que estamos tan agradecidos por tu ayuda. Que dios te llene de bendiciones siempre, y que sigas ayudando a las personas como nosotros, mil gracias.

    Atte. Oscar y Yecenia Rangel.

  • Nicole Elizabeth • June 05, 2015

    Joan was amazing! After being let down by Chase mortgage company, Joan and his team picked up the pieces and helped me out tremendously! I would recommend going through him for loans instead of a big commercial bank. No matter what time of day; he would answer any questions or reached out to me about any concerns. He is with you and the realtor every step of the way to help get you a home. Very passionate about helping clients get a home! I would like to thank Joan and his team for helping me get my first home! Y'all made the home buying process easy for me! Thank you again. I love my home.

  • Seba & Murat • December 31, 2015

    Joan is the first loan officer we worked with, however, we were lucky we found him as we saved so much time. Although house presented some handicaps, he took care of everything. He knows what to do after so many years of experince. If you are planning to buy a house, I advise to submit a loan application and soon will enjoy your new home!

    Thank you Joan for your time and efforts!

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