I was running early this morning and as usual, thinking about my mortgage business.  Why do people do business with me, my team, and my company?  I think I finally have it down to three key reasons.

The first is EXPERTISE.  Most lenders basically do everything, but don’t build up a solid niche for which they can consider themselves true Specialists.  I have focused on VA and Texas Vet financing since 2004, ensuring my clients get the correct information the first time and benefit from the programs for which they are ...

We get this question just about every day:  What credit score do I need to buy a house?  Minimum credit scores can and do vary by lender, but here’s our current minimum credit score requirements for all of our major loan programs:

Conventional Purchase = 620
Conventional Refinance = 620
FHA Purchase = 620
FHA Refinance = 640
FHA Reverse Mortgage = None
Texas Vet Purchase = 620
USDA Purchase = 620
VA Purchase = 620
VA Refinance = 640