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Down Payment vs. Closing Costs: Whatā€™s the Difference & How Much Do You Really Need?

So, youā€™re gearing up to buy a home in the Houston suburbsā€”maybe in Katy, Sugar Land, The Woodlands, Cypress, Richmond, Fulshear, or Pearlandā€”and you keep hearing about down payments and closing costs. But waitā€¦ arenā€™t they kinda the same thing?…

Child Support & Home Loans: What Every Houston-Area Buyer Needs to Know

Buying a home in Katy, Sugar Land, The Woodlands, Cypress, Richmond, Fulshear, Pearland, or anywhere in the Houston suburbs? Youā€™ve got your finances in check, your dream home in sightā€”but wait! Child support payments can play a bigger role in…

Preparing to Buy a Home in Any Houston Suburb in Summer 2025

ā˜€ļø Summer 2025 is right around the corner, and youā€™re dreaming of backyard BBQs in your new home. But before you start picking out patio furniture, letā€™s talk about how to actually get mortgage-ready. Buying a home in Katy, Sugar…

When Do Mortgage Documents Expire?

Because Yes, Lenders Are That Picky…Youā€™ve gathered your paystubs, bank statements, and credit reports like a champion. Youā€™re ready to buy a house! But waitā€”before you strut into the lenderā€™s office with confidence, did you know these documents come with…

Buying a House: Are You In or Just Browsing Zillow for Fun?

Letā€™s be realā€”deciding to buy a house is a big deal. But hereā€™s the thing: you actually have to decide to buy a house before you can make it happen. Sounds obvious, right? Youā€™d be surprised how many people get…

Donā€™t Wait Until the Last Minute to Get Prequalifiedā€”Unless You Like Stress Sweats

Picture this: Itā€™s Friday afternoon, and you just found your dream home. Youā€™re already imagining yourself lounging on the back patio, sipping your morning coffee. The only problem? You donā€™t have a mortgage prequalification. No big deal, right? Youā€™ll just…

Why You Canā€™t Qualify for a $1,500 Mortgageā€”Even Though Youā€™re Paying $2,500 in Rent

If youā€™ve ever tried to get a mortgage and been denied despite paying rent thatā€™s way higher than the mortgage payment you applied for, youā€™re probably wondering, What gives? Youā€™ve been forking over $2,500 in rent like clockwork, so why…

2024 New Loan Limit by the Federal Housing Finance Agency

Exciting news for those dreaming of buying a home! The Federal Housing Finance Agency (FHFA) has recently increased its loan limit to a whopping $766,550. This means as a borrower, you now have the chance to borrow more money when…

Fannie Mae Special Purpose Credit Program for First-Time Homebuyers

The allure of homeownership beckons to many, but for first-time homebuyers, the path to achieving this dream can often seem daunting. Financial hurdles, such as down payment requirements and closing costs, can make the prospect of owning a home appear…

Creative Ways to Save for Your Home in Texas

Welcome to the thriving Texas housing market! Whether you’re eyeing a cozy home in Austin, a spacious residence in Dallas, or a stylish abode in Houston, understanding your mortgage options is crucial. Let’s look at some creative ways to save…

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