Austin Houston Texas Mortgage Company & Texas Home Equity Loan| 30 15 Year Fixed Rates| Texas Mortgage Rates| Investment Property Refinancing
If you have a Texas Zip Code we can help you with your mortgage, refinance, or investment property (refinance) needs.
Sometimes the best (and quickest) way to get your mortgage questions answered is to just call us!
In Austin- please call 512-996-8194. In Houston, call 713-589-2244.
No doubt you have questions like "What type of home loan is best?", "What are today's current 15, 30 year fixed rates?" or "Is this a good time to refinance my home loan?" So just call us and ask and let us give you specific answers to your specific questions.
As you probably know, there are different types of home loans. There are 15 year fixed rates, 30 year fixed rates and cash out home equity loan rates. We offer them all!
Why waste time going from one website to the next when you can make one quick phone call get everything you need? Your time is valuable so let us bring our years of experience to the table. That's what we are here for!
Did you know that mortgage rates change everyday (sometimes hourly!) so the best way to get all your questions and the most up-to-the-minute mortgage rates is to just call us.
And there's never an obligation or charge when you call.
Our phone is: 512-996-8194 and we help people all over Texas buy, refinance homes and investment properties. Live in Houston? call us at 713-589-2244.
We have satisfied clients all over Texas, offering up to 97% lending or 80/15 mortgages. In fact, we specialize in "NO PMI" mortgages. To avoid PMI we can do an 80/10, 80/15 (95%) or 80/10/10 (90%) home loan.
We have the lowest second lien rates around.
For more information how to get the best mortgage, please watch this short mortgage video: Mortgage Rates
JUMBO HOME LOAN RATES.If you have a "jumbo home loan" it is really important we avoid PMI (mortgage insurance) on these larger loans because jumbo mortgage rates are really high right now.
As a licensed mortgage broker we have great second lien programs that many banks simply don't offer.
Need to refinance your home or investment property mortgage? We offer owner-occupied and investment (rental) refinancing. We also offer Texas Home Equity loans or "cash out" mortgages on investment properties.
Whether you're a first time home buyer and need 97% financing, want to put 5% - 10% down on your jumbo mortgage, or just need to get rid of your consumer debt with a Texas Home Equity (cash out) home loan--we can help.
Please take 5 minutes and call us at 512-996-8194 and let us take the legwork out of your home loan search. We don't charge application fees and there's never an obligation. One of the most common compliments we hear is "we wished we would have called you first."
Ask us about second home mortgage rates as well as our special mortgage programs for teachers, nurses, and physicians. We help lots of Texas Teachers and nurses buy or refinance their homes.
As a mortgage broker we offer all types of special mortgage programs.
If you are a full time Texas teacher (ISD) or nurse you probably qualify for our "reduced closing cost" home loan programs.
These programs are ideal when buying or refinancing because they save you money.
If you are applying for our "teacher mortgage" program you must be either a full time teacher or full time school administrator. The nurse program is open to RNs (registered nurses) only.
Texas Home Equity Loan refinances (Cash out loans) are for those who want to consolidate their bills into a single tax deductible mtg note.
HOME EQUITY LOANS in TEXAS. Home equity loans help our clients save hundreds each month. Getting out of debt with a home equity loan can be the first step towards becoming debt free.
Instead of paying 10-15 creditors each month, consider consolidating your bills into one monthly payment, giving you the "breathing room" you need. On average, our clients save $400-$600 each month.
When you're out of consumer debt you'll now have the extra money to pay on a 30 year mortgage so it's paid off in 15 years, not 30 years.
Refinancing from from a 30 year fixed rate to a 15 fixed rate will save you thousands in interest!
Texas home equity loans or cash out loans have many rules and restrictions.
We help many families all over Texas get out of high-interest credit card debt and finally gain control of their money and personal budgets. Used correctly, home equity loans can truly give a family the needed financial leverage to get out of debt and stay out of debt.
Some of the Home Equity Loans Rules: There's the 3% rule, 80% rule, "12-day" rule and "3-day" rule. This is why it's so important to work with an experienced mortgage professional on these types of loans. It usually takes us around 15-20 days to close your home equity loan. Imagine being free from all your high-interest credit card debt in 3 weeks!
We do Texas home equity loans in every Texas City: Dallas/Ft Worth, Houston, El Paso, Lubbock, Waco, Harlingen, and of course, Austin, Texas.
People ask us this all the time: Can I do a Investment property refinance and pull cash out of my rental property? Yes! We specialize in investment property (cash out) refinance loans and we never charge mtg application fees. Call us today!
Want to avoid PMI? Call us at 512-996-8194 so we can show you how to avoid PMI, even when doing 95% financing.
We specialize in helping you achieve your short and long range financial goals and it all begins with having the right mortgage plan.
Need help paying for college tuition and want to avoid student loans? Interested in buying Tx investment property or using real estate to help fuel your retirement income? Your financial needs are our business.
From mortgage application to a smooth "stress free" closing, we work with you every step of the way.
Like to know the today's current mortgage rates or have a specific home equity loan or closing costs question? Email us and ask! We offer the best mortgage rates in Texas.
Jon Spears
Mylendingplace.com
401 Congress Avenue; Suite 1540
Austin, Texas 78701
512-996-8194 (Austin, Texas Office)
713-589-2244 (Houston, Texas Office)
512-577-2958 (Cell)
Licensed Austin/Houston/Dallas/El Paso Texas Mortgage Broker #56651
