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Products
The Mortgage Gallery offers a variety of loan programs such as Conventional, FHA, VA and USDA.  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 $453,100.

FHA (government insured): 3.5% minimum down payment required with max loan amount of $386,400.

VA (for Veterans): No down payment required with max loan amount of $453,100.

USDA (U.S. Dept of Agriculture): No down payment required.  Home must be in an approved USDA area.

Jumbo : 20% minimum down payment for loan amounts above $453,100.
 

 



 

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.

 

 

 



 


Unless otherwise indicated, these APR calculations are based on the following: Conforming loans (whose maximum loan amount is below $424,100 for the contiguous states, District of Columbia, and Puerto Rico or below $636,150 for Alaska, Guam, Hawaii and the Virgin Islands) are calculated based on a loan amount of $453,100 with closing costs of $9,062. Jumbo Loans (whose maximum loan amount exceed $424,100 for the contiguous states, District of Columbia, and Puerto Rico or exceed $636,150 for Alaska, Guam, Hawaii and the Virgin Islands) are calculated based on a loan amount of $1,000,000 with closing costs of $20,000. Your actual APR may be different depending upon these factors.
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