Mon - Fri 10:00 am - 7:30 pm / Sat Appointment Only

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.

5_key_tips_230x230_230_03   CONGRATULATIONS HOMEOWNERS  5_key_tips_278x230_278_02

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:

  • Juan Zaldana • April 03, 2019

    It is more than a pleasure to write this review in recognition to a work masterly well done by Joan Gallardo and his assistant Patricia Aparicio. We would be forever thankful because of them working as a knowledgeable team made our dream to own our first HOME became a marvelous reality. Now we as a family are enjoying to have our own place to live in. The road was not easy but they never gave up always giving and looking for options to take our process to end up with a happy ending and they actually did. Mission accomplished, thank you again, Joan and Patricia !!!! We definitely recommend Joan and his team at Clear Lending to anyone who really WANTS to have and live in their own houses.  Lyda and Juan

  • Sharon Franco • January 21, 2016

    July 28th.... A very important day for someone at age 44. A huge change that was much needed but none the less, very difficult. After living in my previous home for 15 years and being with someone for 25 years, I found myself back at my Mom’s house and starting over. After wallowing in my sadness for a while, I decided to start looking for a new home for my young adult children, dogs and myself. Thankfully, a cousin had given me a number to a realtor that led me to Joan with Clear Lending. With all the difficult changes I also was in for a fight when it came to applying for a mortgage. Being naive to the process, Joan was very patient and helpful. Even when I felt hopeless, he reminded me constantly it would be okay and it was part of the process, I'm not sure but I think maybe a part of him was starting to see the difficulty I was facing. But one night, I received the best phone call in the world!! I was clear to move forward and close on my home. I thank God every day for putting the right people in my path to help in my new chapter of life. Thank you Joan and Clear Lending for working so hard on my approval for my mortgage.

     

    God Bless

  • Daicel Prat Carrion • February 15, 2019

    FROM GOOGLE: If you would like to get a home for sure PLEASE GO WITH JOAN at Clearlending. They really go above and beyond. My husband and I could not be any happier. Joan takes his time to go over every unexpected or even expected little detail. I really appreciate all the effort that the have put into our business. Could not be more glad of making the right decision of going with Clearlending. THANK YOU!!!!

Get Your Very Latest Rate Quote Now!

If CELL Phone number is not valid we will not email your Quote