Expert guides, market insights, and practical advice from licensed Texas mortgage professionals. Everything you need to make confident decisions about your home loan.
Owning a home comes with significant expenses, but it also provides valuable tax benefits that can reduce your taxable income and save you thousands of dollars annually. For homeowners in San Antonio and South Texas, understanding these tax deductions becomes even more crucial given our region’s property tax landscape and unique market conditions. Tax deductions
Ben Gheliuc
If you’re thinking about refinancing your mortgage in San Antonio or anywhere in Texas, you might come across something called “Points in Refinance”. These are fees you can pay upfront to lower your interest rate and potentially save money over time. But how exactly do refinance points work? And are they worth the cost? This
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You’re scrolling through real estate listings in San Antonio when you spot your dream home—perfect location, ideal price range, everything you want. But then you notice the dreaded status: “Pending.” Your heart sinks. Does this mean you’ve lost your chance completely? What does pending mean in real estate? In simple terms, pending means a seller
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Buying a home in Texas can seem like a far-off dream, especially with the average home price now over $335,000. That means a traditional 20% down payment would cost more than $67,000, which isn’t easy to set aside for most buyers. Thankfully, FHA loans make homeownership more affordable. With down payments starting at just 3.5%,
Wayne Wright
Quick answer: No, you cannot use a Debt Service Coverage Ratio or DSCR loan for a primary residence. It’s against loan conditions and federal regulations to use DSCR loans for a home you want to live in. They’re only intended for investment properties that provide rental revenue. Let’s say you’re thinking about buying a home.
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Quick Answer: Yes, you for sure can refi without the need for tax returns and use alt income doc options like asset based lending, bank statement loans and DSCR loans. STX lending has helped hundreds of families buy homes that were self employed, business owners and real estate investors. It surprises most, but there are
Ben Gheliuc
Are you a Texas homeowner looking to tap into your property’s equity? Thinking about renovating your home, paying off high-interest debt, or covering a big life expense? A Home Equity Line of Credit (HELOC) could be a smart way to know your home’s value. But if you live in Texas, it’s important to understand that
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As an investor in Texas, you might assume you’re set to get approved for a traditional loan. But then, your tax returns reveal that your income is lower than expected. What now? Here’s where DSCR loans (Debt Service Coverage Ratio loans) come in. Instead of focusing on your personal income, DSCR loans look at the
Ben Gheliuc
Looking at your mortgage balance and then seeing your 401k savings might give you an idea: “What if I just use my 401k to pay off my house?” It’s a tempting thought but is it actually a smart financial move? The answer depends on your unique situation. You should factor in your financial goals, retirement
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Suppose you’re serving in the military and looking to buy a home with your VA benefits. In that case, you’ll learn that the Statement of Service Letter is the only thing standing in the way of your loan acceptance. Missing or incomplete service letters are among the top reasons VA loans get delayed. At South
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