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Make It Personal
In today’s world, the idea of personal relationships within businesses has just become word play. At Texas Mortgage Professionals what sets us apart from banks and other mortgage companies is that we make it personal. Our highest priority is providing personal services for you and your family. We want to understand your families goals to make sure that we present you with the best possible product. One size does not fit all.
So What is in a Mortgage Interest Rate
Current Value – Current value of home or purchase price.
Loan Amount – Purchase price less down payment
Loan‐to‐Value (LTV) – Loan Amount / Current value (in percent value)
Debt‐to‐Income (DTI) – Total monthly debt payments (Don’t include living expenses such as utility bills, food, and entertainment for more accurate results.) / Monthly income before taxes (including non‐taxable)
Credit Score (FICO) ‐ a person’s credit score calculated with software from Fair Isaac Corporation (FICO). Starting at 600 every 20 pts is a lower risk value – 660 beginning of 2nd Liens – 780 and up lowest risk level.
Type of Property – Primary, 2nd Home, Investment Property, Manufactured Home
All of these elements equal a Risk Level. It’s as simple as “When the Risk goes up ‐ the Rates go up”.
Today’s Mortgage Rates
30 Year Fixed Mortgage
15 Year Fixed Mortgage
MORTGAGE LOAN AGENTS AVAILABLE TO HELP WITH YOUR VA LOAN!
Work with Texas Mortgage Professionals today and let us help you get the VA loan you deserve.