Texas Mortgage & Refinance Company

We help the residents of Texas with mortgages and investment refinances needs.

Texas Mortgage & Refinance | Texas Investment Refinance | Texas Home Equity Loan                      

 Texas Mortgage & Refinance | If you have a Texas zip code we can help you with your home purchase, refinance or home equity (Texas Cash out) loan.   We also help people refinance investment properties.  We even do investor equity loans.

Our phone is 512-996-8194   Email is jon@mylendingplace.com

Buying or refinancing a home shouldn’t be stressful.

We know the more you understand your mortgage the happier you’ll be with it.   Most clients simply want a low-pressure process where they can “see the numbers” and review different loan programs .    They also want to talk to a real-life person who can answer their questions.     That’s what we’re about too.

We are based in Austin, Texas and lend all over Texas.  We work with all the top banks (Countrywide, Wachovia, Wells Fargo, Washington mutual) so let us take the leg work out of your home loan search.  One call to Mylendingplace is like calling 15 different banks at once!  So we save you time and money.

Making the loan process easy:

When it’s not convenient to meet in person, we utilize virtual meeting technology (like www.gotomeeting.com) where you can literally log into our computers and see your home loan info in real time.  All from the comfort of your home or office.  

Most people don’t want to hear about their loan–they want to see the numbers so they can make the best, informed decision.

What to expect when you call:

First of all, we don’t charge application fees and there’s never an obligation to talk to us.  

This is the typical mortgage process:   First, we know you want accurate rates/payments/closing costs, etc. To deliver this we first need some basic info from you.   Just complete your application via www.mylendingplace.com (or we can do application over the phone if you’re more comfortable).  Then, send us your income documents like pay stubs and/or tax forms if employed. 

From there, we can meet in person.  If you live in Austin or you can log into our computer via www.gotomeeting.com and discuss your loan.  

Our office is downtown Austin, Texas.  401 Congress, Suite 1540.

Our general philosophy:   The mortgage should be customized to a client’s real-life financial situation and goals.  There just aren’t any one-size fits all mortgages anymore.   For example, self-employed people might need a different loan than a family who gets paid every 2 weeks.   First time home buyers might need a different loan than a client buying an investment property.   A couple with lots of debt might need a different loan than a couple with no consumer debt….

Our approach is to offer you as many options as you need and then let you pick which loan works for you.

Our job is to simply show you your options, inform you on the different mortgage plans,  then to close your loan without stress.

 Mortgages we offer:

We offer 100% mortgages or zero-down home loans, first time home buyer programs, 80/20, 80/10/10, No PMI loans,  self-employed mortgages, 5% down–pretty much everything.    If it involves residential real estate in Texas, we can help.  

We also do investor equity cash out loans.

Finally, we guarantee your settlement costs. This means once we send a good faith estimate, we guarantee your closing costs/settlement costs won’t be $1 higher or we pay the difference.   This makes for a easy, stress-free, predictable mortgage closing.

Call us now at 512-577-2958

 Jon Spears

http://www.mylendingplace.com

512-577-2958

Austin, Texas Mortgage Broker