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Products
The Mortgage Gallery offers a variety of loan programs such as Conventional, FHA, VA and Jumbo.  We are here to assist you with your purchase or refinance and offer loan terms from 10 to 30 years.
 


PURCHASE:

Are you purchasing a home?  We offer the following products:

Conventional (non-government): 5% minimum down payment required with max loan amount of $548,250. 3% down payment mortgages available for first time homebuyers.

FHA (government insured): 3.5% minimum down payment required with max loan amount of $411,700.

VA (for Veterans): No down payment required with max loan amount of $548,250.

Jumbo : 20% minimum down payment for loan amounts above $548,250. There are niche jumbo products requiring less than a 20% down payment.
 

 



 

REFINANCE:

Have you considered refinancing your existing mortgage?  The following are reasons to consider a refinance:

1) Lower your monthly payment.

2) Decrease your mortgage term to pay off your home much sooner.  In many cases, your new payment may not be much more, if any, than your current payment.

3) Eliminate PMI (Private Mortgage Insurance) from your payment to lower your monthly obligation.

4) Receive cash back.  Texas allows you to obtain a new mortgage up to 80% of your appraised value.   This will pay off your current mortgage and allow you to receive cash or pay off debt.

 

 

 



 


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