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Feeling confused by all the options and details?

Houston home buying is made simple at Texas United Mortgage. Keep reading our latest articles for tips and information that you can use today to be a better informed home buyer. Or, contact us anytime, we’ll be happy to answer your questions.

FHA vs Conventional Loan: What’s the Difference?

FHA vs Conventional Loan: What’s the Difference?

When you are looking to buy a home, it’s important to make sure you select a mortgage that works best for your financial situation. Many people consider FHA vs Conventional Loan as they are two of the most common types of mortgages. Here’s what you need to know about...

Can You Refinance An FHA Loan?

Can You Refinance An FHA Loan?

If you applied for an FHA loan and you’re looking to refinance, you’re in luck. Just like any home loan, Federal Housing Agency Loans can be refinanced to better suit your current financial situation. Here’s what you need to know to refinance your FHA loan to a...

MIP on an FHA Loan – How do I get rid of it?

MIP on an FHA Loan – How do I get rid of it?

Getting rid of mortgage insurance premiums (MIP) on an FHA mortgage loan can help you save thousands of dollars. While it can be difficult to eliminate insurance premiums from your Federal Housing loan, there are steps you can take to get rid of it so you can pay off...

How Much is a Down Payment on an FHA Loan?

How Much is a Down Payment on an FHA Loan?

Saving up to purchase a home is one of the most important, and difficult, financial moves you will ever make. As you look at various loans you'll notice they differ in their down payment requirements. Understanding the requirements for down payment on an FHA Loan will...

How to Apply For An FHA Loan In Texas

How to Apply For An FHA Loan In Texas

If you are buying a house for the first time, it's important to know how to apply for an FHA loan. Federal Housing Loans (FHA Loans) are available for buyers who have low credit scores and minimal savings for a down payment. First-time buyers who don't qualify for a...

How to Get Mortgage Pre-Approval in Texas

How to Get Mortgage Pre-Approval in Texas

When buying a home, getting mortgage pre-approval in Texas is one of the most important things you can do. It doesn't matter which city your future home will be in, Houston, Austin, San Antonio, Dallas, or Fort Worth, having a pre-approval will help your buying...

Does Getting Pre-Approved Hurt Your Credit?

Does Getting Pre-Approved Hurt Your Credit?

Getting pre-approved can make it easier to shop for homes, but many buyers wonder, "Will getting pre-approved hurt my credit score?" Can you protect your credit score and still reap the advantages of shopping with a pre-approval letter? Here's what you should know...

How Long Does A Mortgage Pre-Approval Last?

How Long Does A Mortgage Pre-Approval Last?

Being pre-approved for a mortgage in Houston will make the process of buying a home easier for you. Once you have your letter of pre-approval, sellers are more likely to see you as a qualified, serious buyer. It takes time to gather all the documents needed to get...

How Long Does It Take To Get Pre-Approved In Houston?

How Long Does It Take To Get Pre-Approved In Houston?

If you are searching for a home in Houston, getting pre-approved is one of the most important steps you can take in the buying process. Getting pre-approved for a mortgage takes some time and effort, but once you have a letter of pre-approval in your hand, sellers...

What Does Mortgage Pre-Approval Mean?

What Does Mortgage Pre-Approval Mean?

Getting a mortgage pre-approval in Texas is one of the most important steps in the home-buying process. Although getting pre-approved is no guarantee that you’ll secure the funding for your dream home, it positions you as a serious buyer and makes sellers more likely...

Who Sees My Credit Score?

Who Sees My Credit Score?

As you build your credit, you may be wondering who sees your credit score. And here’s the answer: banks, landlords, potential employers, credit card companies, and mortgage lenders may view your credit score. The Fair Credit Reporting Act only allows creditors and...

What Is Escrow, And How Does It Work?

What Is Escrow, And How Does It Work?

What Is Escrow? An escrow account is maintained by a third party. There are two types of escrow. Real estate escrow is different from homeowner's escrow. When you decide to buy a home, you will need to open an escrow account. You will pay a deposit to the seller of...