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Types of Home Loans

Learn about the various types of home loans, and which mortgage loan is best for your financial life.
Refinancing Your Loan

A refinance is a great way to save on your monthly payments, or pull out cash for other uses.
Mortage Rates

Understanding how mortgage rates affect your monthly payments is key component to getting the best type of loan for your home.
Closing Costs

Nobody wants to pay more than you have to. Learn how much closings are for your next home purchase.
FHA Loan

One of the most popular loan types, FHA loans are a great way to get a mortgage at a low cost.
Conventional Loan

A conventional loan is "conforming" loan, and in this section we explain who this loan is for, and the cost.
VA Loans

VA loans are highly popular loans for veterans due to the $0-down option and other benefits. Read on to find out how you can save.
Good Credit

In this section, you'll learn how good your credit needs to be, and how to qualify even with a low credit score.
Mortgage Basics

We make it easy to understand mortgages in Texas with the series of basic, easy-to-understand guides.

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Texas VA mortgages

Can You Do a VA Cash Out Refinance in Texas?

June 12, 2025 | By Mendy Rimler

No, a VA cash-out refinance isn’t allowed in Texas.

Cash out refinance

What You Need to Know About Texas Cash Out Refinance 50a6

June 11, 2025 | By Mendy Rimler

A Texas cash out refinance 50a6, also called a Texas A6 loan or Section 50(a)(6) loan, lets you borrow against your home’s equity by replacing your existing mortgage with a larger loan. You receive...

Refinance in Texas

Cash Out Refinance Waiting Period in Texas in 2025

May 24, 2025 | By Mendy Rimler

The waiting period for a cash out refinance in Texas is 6 months after buying your home. Discover Texas-specific refi waiting periods to plan your cash-out loans strategically, avoid surprises, and...

DSCR loans

DSCR Loan Texas Pros and Cons for Real Estate Investors

May 17, 2025 | By Mendy Rimler

Debt Service Coverage Ratio (DSCR) loans skip personal income verification, allow financing of multiple properties, and close faster than traditional mortgages, offering flexibility and ease of...

USDA loans

2025 USDA Texas Income Limits

May 10, 2025 | By Mendy Rimler

USDA Texas income limits for very-low-income borrowers (1-4 person households) range from $37,500 in most rural counties to $63,000 in higher-cost metros. Low-income limits run from $60,000 to...

HELOC

What Are the HELOC Requirements in Texas?

May 7, 2025 | By Mendy Rimler

Dreaming of renovating your kitchen, consolidating debt, or tackling another big financial goal?

USDA loan Texas

What Are the USDA Eligible Areas in Texas?

April 25, 2025 | By Mendy Rimler

The United States Department of Agriculture (USDA) designates eligible rural areas for homebuyers seeking USDA loans, typically areas with populations under 35,000.

Texas Life

Prevent Frozen Pipes: Essential Tips to Safeguard Your Plumbing

January 15, 2024 | By Reef Merhi

Learn how to protect your home from frozen pipes and avoid costly plumbing repairs during the winter season.

News

Mortgage Rates Remain Stable at 2-Month Lows Ahead of December Data

November 28, 2023 | By Shoshana Simones

In the world of real estate and home buying, the month of November has been marked by an unusual and relatively prolonged period of stability in mortgage rates. Over the past week, these rates have...

News

Is It a Good Idea to Purchase a Home During the Holidays?

November 21, 2023 | By Shoshana Simones

For potential homebuyers in Texas, the idea of purchasing a home during the holiday season might seem unconventional. After all, this time of year is often associated with festivities, family...

News

Texas Home Buyers Benefit from Stable Mortgage Rates at Recent Lows

November 17, 2023 | By David Webber

In a welcome turn of events for home buyers in the Lone Star State, mortgage rates in Texas have remained remarkably steady, hovering near their lowest levels in the past two months. The tranquility...

News

Mortgage Rates Take a Big Dip

November 15, 2023 | By Reef Merhi

If you're considering buying a home in Texas, you'll want to pay attention to recent developments in the mortgage market. Earlier this month, the jobs report set the stage for an exciting week for...

News

Good News for Texas Homebuyers and Homeowners: Mortgage Rates Continue to Show Improvement

November 4, 2023 | By Shoshana Simones

For those of you in Texas considering a home purchase or keeping an eye on your current mortgage, here's some good news to brighten your day: Mortgage rates have made a significant improvement,...

News

Positive Signs As Austin's Housing Market Shifts Closer to Dallas-Fort Worth

October 31, 2023 | By Reef Merhi

Finally, we've got some promising news to share when it comes to buying a new home in Texas! The Austin housing market is experiencing a shift that's making it more similar to the Dallas-Fort Worth...

News

Mortgage Rates Are Dropping - But Is It Enough?

October 27, 2023 | By Mendy Rimler

If you're in the market for a new home and keeping an eye on mortgage rates, here's what you need to know: Mortgage rates have been showing some movement lately, and we might be in for a bumpy ride.

News

The Texas Real Estate Market is Heating Up Again

October 24, 2023 | By Shoshana Simones

Texas is blazing a trail in the real estate market, drawing in newcomers from across the nation. Since 2019, Texas has seen a massive influx of people, gaining nearly 400,000 residents by the end of...

News

Texas Mortgage Rates Hit 8%

October 20, 2023 | By Mendy Rimler

Mortgage rates in Texas and across the US have gone up, breaking the 8% mark this week. This is after months of gradually rising from around 7%. At the same time, the number of existing homes being...

News

Are Home Prices Finally Dropping in Texas?

October 17, 2023 | By Reef Merhi

In a notable shift in the real estate market, home sales and median prices have declined across Austin and Central Texas. This downturn, which marks a departure from the red-hot market of recent...

News

Important Updates for First-Time Home Buyers: Mortgage Market Update

October 12, 2023 | By Shoshana Simones

For those of you who are embarking on the journey of buying your first home, here's a helpful update on what's happening in the housing market and mortgage industry.

News

Housing Market Stuck Amidst Rising Mortgage Rates: What's Ahead for Homebuyers?

October 6, 2023 | By Reef Merhi

The housing market in Texas is going through some tough times, and it's mainly because of the rising mortgage rates. If you're thinking about buying a home, you'll want to pay attention to what's...

News

New Homebuyers: Great Opportunities in the U.S. Housing Market this Fall

October 3, 2023 | By Shoshana Simones

If you're thinking about buying a new home in Texas, there's some good news for you. Zillow, an online real estate platform, says this fall could be a fantastic time for new homebuyers. Here's why:

News

What Does the Mortgage Rate Hike Mean for the Average Home Buyer?

September 29, 2023 | By Shoshana Simones

Mortgage rates hit 20-year highs this week. But what do higher mortgage rates mean for the average home buyer?

News

3 Tips for Buying a Home in Texas in Today's Market Crunch

September 26, 2023 | By David Webber

The current real estate market may seem daunting for prospective homebuyers. As mortgage rates and housing prices continue to rise and inventory remains tight, navigating this market can be a...

News

Why Are Texas Mortgage Rates So High, Despite No Fed Rate Hike?

September 22, 2023 | By Shoshana Simones

If you've been keeping an eye on mortgage rates, you might be wondering why they're at long-term highs, even though the Federal Reserve didn't raise interest rates this week. Let's break it down in...

News

Mortgage Rates Are High - But Why Does That Matter?

September 19, 2023 | By Mendy Rimler

Mortgage rates have hit new highs lately, and it’s putting a damper on the home-buying industry. But why? How do mortgage rates work, and why are higher rates such a big issue?

News

Mortgage Rates Are High - Is Buying Points Worth It?

September 15, 2023 | By Reef Merhi

With mortgage rates soaring, homebuyers and refinancers are increasingly considering a strategy known as "buying down points" to alleviate the financial burden of their home loans. As the U.S....

News

Can I Afford a Home in Texas? Where to Look

September 12, 2023 | By Shoshana Simones

Recent reports show that Texas home prices have remained high, even after the pandemic peaks. That has folks worrying, "Can I afford a home in Texas these days?" Yes! You just have to know where to...

News

How and Where to Buy a House in Texas

September 7, 2023 | By David Webber

Texas has been one of the most consistent housing markets in the country - maintaining good prices for sellers without being off-the-charts unaffordable for new home buyers. But where is the BEST...

News

What’s Going on with the Texas Housing Market?

September 5, 2023 | By Shoshana Simones

The Texas housing market is undergoing significant changes. While the lack of housing inventory continues to drive up prices, experts predict a slowdown in appreciation compared to the past two years.

News

Are We About to See Mortgage Rates Drop in Texas?

September 1, 2023 | By Shoshana Simones

After experiencing consistent growth for five weeks and even hitting a 22-year high, mortgage rates have taken a surprising turn and decreased. For potential homebuyers and homeowners looking to...

News

More Texans Apply for Mortgages After a Five-Week Drop

August 29, 2023 | By Mendy Rimler

Good news for people looking to get a mortgage: After going down for five weeks straight, the number of mortgage applications went up a bit last week. Which can mean good news for the housing market...

News

What's Up with the Dallas-Fort Worth Housing Market?

August 18, 2023 | By Shoshana Simones

If you're thinking about buying a home in the Dallas-Fort Worth area, here's the scoop on what's been happening with housing prices!

News

Texas Mortgage Interest Rates Spike Again - But It May Not Matter

August 15, 2023 | By Shoshana Simones

While it may sound like a broken record, the ups and downs of the mortgage interest game sure are keeping us on our toes! And this week, those rates have hit the highest level since last fall.

News

Home Values Continue to Set Records

August 11, 2023 | By Shoshana Simones

If you're trying to buy a new home and feeling the pinch, you're not alone. The U.S. housing market has achieved an unprecedented milestone, surging to a record valuation of $47 trillion, outpacing...

News

Refinancing Homes in Texas: Unlocking Benefits Amidst Market Trends

August 8, 2023 | By Mendy Rimler

Amid changes in the mortgage market, Texas homeowners have a great opportunity to think about refinancing their homes. Despite fewer people applying for mortgages and refinancing lately, Texas has...

News

Housing Affordability Got You Down? The Latest in Home Prices

August 3, 2023 | By Shoshana Simones

The Mortgage Bankers Association (MBA) tracks weekly mortgage applications as a way to monitor the housing market. The latest report showed a consistent but not positive movement.

News

Househunting in Texas? Austin Might Be the Place for You!

August 1, 2023 | By Reef Merhi

If you’ve been househunting and following the news, you’ve probably heard that prices are up and inventory is down. But that doesn’t mean you can’t find a home in Texas - as long as you know where to...

News

Optimal Market Trends for Home Buying in Texas

July 28, 2023 | By Shoshana Simones

Is the housing recession over? It sure looks like it! The National Association of Realtors® (NAR) said its home sales have been trending up thanks to increased home-buying activity in the Northeast...

News

Home Prices vs. Inventory

July 25, 2023 | By Shoshana Simones

If you’ve been searching for a home to buy in Texas, you’ve probably been told that it’s slim pickings! So what’s the issue?

News

Texas Mortgage Rates Hold Steady

July 21, 2023 | By Mendy Rimler

In a positive sign that the market is stabilizing, rates remained consistent this week. But what’s with all the up and down and side to side?

News

Texas Housing Market is Heating Back Up Even As Prices Rise

July 17, 2023 | By Shoshana Simones

Like much of the country, housing affordability in Texas is an area of concern. However, there are still people interested in buying homes, and that’s driving up prices.

News

Slowing Inflation Means Lower Mortgage Rates

July 13, 2023 | By Reef Merhi

The news we’ve all been waiting for: Inflation is finally starting to slow! Yesterday’s report on inflation is bringing some much-needed relief to homebuyers in Texas and across the country.

News

Texas Mortgage Rates Wait on Upcoming Inflation News

July 10, 2023 | By Shoshana Simones

That scary buzzword of the year is back in the headlines: inflation. Whatever the causes, inflation is clearly the main culprit behind the surge in interest rates over the past year. In fact, due to...

News

Market Indices Show Signs of Life

July 3, 2023 | By Shoshana Simones

Well, it’s a slower news day leading into the holiday, but perfect timing for an update on the housing market. And it’s some good news for Texas home buyers AND sellers! Why? Because mortgage...

News

Mortgage Rates Trend Downward to Kick Off the Week

June 27, 2023 | By Mendy Rimler

Great news for anyone interested in getting a mortgage! It seems like mortgage rates have taken a step back this week, which is definitely a positive development. Let's break it down in simple terms.

News

Housing Construction Grows In Texas In 2023

June 27, 2023 | By Mendy Rimler

The latest report from the Census Bureau on New Residential Construction brings some exciting news about the growth of new home construction. Although it's important to remember that this report has...

News

No New Rate Hikes Could Be Good News for Texas Home Buyers

June 20, 2023 | By Mendy Rimler

Finally: some good news about interest rates! The Federal Reserve's policy committee made an important decision at their most recent meeting. They chose not to increase interest rates, giving us a...

Conventional Home Loan

Guide To The Types Of Mortgage Loans In Texas - Updated For 2023

June 5, 2023 | By Reef Merhi

The search for a new home can be exciting for first-time homebuyers. However, buyers must understand important considerations such as financing before taking the final step toward the purchase. There...

Buying Homes in Texas

How to Calculate How Much House You Can Afford in Texas

May 25, 2023 | By Mendy Rimler

Buying a home is an exciting milestone, but it's essential to approach it with careful financial planning. Determining how much house you can afford is a crucial step to ensure a smooth and...

Getting A Mortgage

A Complete Guide to Adjustable Rate Mortgage (ARM) in Texas

May 15, 2023 | By Shoshana Simones

You want to buy a home in Texas - but which mortgage is right for you? It may be hard to make heads or tails - or ARMs - out of things!

Buying Homes in Texas

How Much is the Down Payment for a $350,000 House?

May 10, 2023 | By Shoshana Simones

If you're eyeing a $350,000 house, you should anticipate putting down up to 20% or $70,000. However, there are other expenses and factors to determine just how much cash you'll need to put down to...

Mortgage Rates In Texas

What Is The 15-Year And 30-Year Mortgage Rate History In Texas?

March 29, 2023 | By Shoshana Simones

Housing prices are only one part of the equation when you're considering how much house you can afford.

Buying Homes in Texas

How To Finance An Investment Property In Texas With No Money Down

March 23, 2023 | By Reef Merhi

Are you dreaming of owning an investment property in Texas but worried about coming up with a hefty down payment? Fear not, because there are options available that require little to no money down....

Mortgage Rates In Texas

How Much More Do You Pay For A Rental Property Mortgage Rate In Texas?

March 15, 2023 | By Shoshana Simones

Are you thinking of investing in rental properties in Texas but worried about the mortgage rates? You're not alone. Many people are intimidated by the idea of investing in rental properties because...

Mortgage Rates In Texas

How to Get the Best Mortgage Rates in Texas

February 23, 2023 | By Mendy Rimler

Taking out a mortgage for a home purchase is one of the biggest financial transactions for many of us.

FHA Loan Texas

New FHA Loan Limits In Texas for 2024

February 3, 2023 | By Mendy Rimler

The Federal Housing Administration (FHA) has continually increased its lending limits in recent years due to steep increases in home prices. And that’s great news for borrowers.

What Are Basis Points In A Loan In Houston, Texas?

January 19, 2023 | By Mendy Rimler

Basis points sound confusing to the average consumer.

Mortgage Rates In Texas

3 Reasons Home Sales In Texas May Increase In 2023

January 5, 2023 | By Mendy Rimler

With mortgage rates remaining high, home sales in Texas have continued to fall in November of 2022, leading to fears that the housing market may not be as strong as it once was.

Buying Homes in Texas

Why Mortgage Interest Rates Will Go Down In 2023 In Texas

December 23, 2022 | By Reef Merhi

Some people look at the housing market these days as all doom and gloom. But even if things seem rocky right now, inventory is tight, and eventually, income will catch up with inflation, and the...

Buying Homes in Texas

The 5 Biggest Fears In Texas Real Estate For 2023 - And How To Thrive

December 16, 2022 | By Shoshana Simones

The fears in Texas real estate for 2023 are creating huge opportunities for those who are willing to face them head-on. Though it feels like we keep seeing headlines buzzing over people's greatest...

Buying Homes in Texas

25 Amazing Facts About Living In San Antonio

November 21, 2022 | By Reef Merhi

Did you know that San Antonio is the seventh-largest city in the United States? It's home to over 1.5 million people and boasts a rich culture and history. Whether you're looking for great food,...

Buying Homes in Texas

12 Things to Know Before Moving to San Antonio, TX

November 18, 2022 | By Shoshana Simones

If you're thinking about moving to San Antonio, TX, you'll want to read this blog post first! We've compiled a list of 12 things you need to know before moving to San Antonio, TX. From the real...

Mortgage Companies Texas

Which Texas Mortgage Company is Right for You? Helpful Tips and Information

November 4, 2022 | By Mendy Rimler

Looking for the Texas mortgage company that’s right for you? It’s not as straightforward as an online search!

Buying Homes in Texas

How To Get A Homes For Heroes Loan In Texas

November 2, 2022 | By Reef Merhi

Are you a hero? Chances are, you might be surprised to find out that you are. The Homes for Heroes program is designed to help everyday heroes save money when they buy, sell or refinance a home....

VA Loans

Who Is Eligible For A VA Loan In Houston, Texas?

November 1, 2022 | By Shoshana Simones

Houston is a great place to live, and eligible veterans can get a VA loan to purchase their dream home in the area. VA loans are backed by the United States Department of Veterans Affairs and provide...

USDA loans

Can You Get a USDA Loan in Dallas, TX?

October 21, 2022 | By Shoshana Simones

Buying a home in Dallas, TX, can be challenging in this hot market. But USDA home loans are a great option for low- and moderate-income borrowers. That’s why our experts are here to answer all of...

Buying Homes in Texas

How Rising Property Taxes in Texas Impact Minorities First

October 14, 2022 | By Reef Merhi

As property tax bills surge in Texas, many families are finding themselves pushed out of their homes and neighborhoods. The brunt of this increased financial burden is falling on minority families...

Buying Homes in Texas

A Buyer's Guide to Buying a Home in Austin, TX

October 12, 2022 | By Shoshana Simones

Are you thinking of buying a home in Austin, TX? If so, you're in for a great experience! The Austin real estate market is booming, and there are plenty of properties to choose from. In fact,...

Buying Homes in Texas

Should You Get an ARM Mortgage Loan in Texas?

October 11, 2022 | By Shoshana Simones

If you're considering a mortgage loan in Texas, it's important to understand the different types of mortgages available. One popular option is an adjustable-rate mortgage (ARM), which offers some...

Texas Life

Are Schools Getting Safer In Texas? Safety Spending By The Numbers

October 7, 2022 | By Mendy Rimler

Since the tragic events at Robb Elementary School in Uvalde, Texas, earlier this year, safety has been a top priority for schools across the country. In Texas, lawmakers have allocated more money to...

Texas Mortgage Lenders

The Best Mortgage Lenders for USDA Loans in Texas

September 28, 2022 | By Shoshana Simones

Buying a home is likely the single biggest purchase you'll make in your lifetime. So you want to make sure you get it right by choosing the right type of loan and the best lender!

Texas VA mortgages

A Quick Guide to VA Loans in Texas

September 18, 2022 | By Shoshana Simones

If you are active military, a veteran of the United States military, or a veteran's spouse, you may be eligible for a VA loan in Texas. A VA loan is a great way to purchase a home without putting any...

Mortgage Refinance

Options For Refinancing A Home In Fort Worth, TX

September 15, 2022 | By Shoshana Simones

Are you looking to refinance your home in Fort Worth, TX? With so much on the line, you don't want to miss out on a great opportunity. That's why you need to understand all your options!

Reverse Mortgage Loan

3 Types of Reverse Mortgages Texas Homeowners Should Know

August 17, 2022 | By Shoshana Simones

Need some cash? If you own a home in Texas, you could be sitting on some easy money without even realizing it!

Buying Homes in Texas

8 Insider Home Buying Tips From A Houston Mortgage Lender

August 17, 2022 | By Mendy Rimler

Buying a home can be a daunting task, but with the right information and preparation, it can be a breeze. Here at Texas United Mortgage, we want to help you make the most informed decisions possible...

USDA loans

Can I Get a USDA Loan in Corpus Christi?

August 15, 2022 | By Shoshana Simones

Corpus Christi is a beautiful coastal city in Texas that offers plenty of opportunities for homeownership. But can I get a USDA loan in Corpus Christi?

VA Loans

How Veterans United Compares To Other Lenders For VA Loans In Texas

August 15, 2022 | By Reef Merhi

When shopping for a VA loan in Texas, Veterans United is often one of the first lenders people consider. But how does it compare to other mortgage lenders? What are the pros and cons?

Mortgage Companies Texas

How To Find The Best Mortgage Lender To Buy A Home

August 12, 2022 | By Shoshana Simones

Buying a home? You're probably thinking about things like the best layout, and the best school district... but what about the best mortgage lender?

monthly mortgage payment

What Is The Average Mortgage Payment In Houston, TX?

August 8, 2022 | By Texas United Mortgage

Houston is a great city to call home. And when you're looking to purchase a home here in Houston, it's important to know what the average mortgage payment in Houston is. That way, you can budget...

Mortgage in Texas

Will Texas Mortgage Interest Rates Drop This Year? Forecasting Rates in 2022

August 8, 2022 | By David Webber

It's no secret that Texas has been on a hot streak when it comes to the housing market. Home prices have been steadily increasing, and demand is high. But what about mortgage interest rates? Will...

best mortgage companies Texas

7 Tips For Choosing A Great Mortgage Lender For Home Buying In Houston

August 8, 2022 | By Reef Merhi

When you're buying a home, choosing the right mortgage lender is one of the most important decisions you'll make. Finding a company that has a good reputation and can help you get the best deal...

How Long Do You Have To Wait For A Refinance?

August 5, 2022 | By Stavro Sophocleous

Owning a home is a huge investment. For many people, it’s their single largest asset, too. And that’s exactly why you may be looking to refinance! But before you do, make sure you understand what's...

Getting A Mortgage

Should You Lock in Your Mortgage Rate Right Now?

August 5, 2022 | By Mendy Rimler

Mortgage interest rates have been on the rise lately, but they are still lower than they were a few years ago. If you're thinking of buying a home in the near future, you may be wondering: should you...

Mortgage in Houston, TX

Top 7 Mortgage Lenders In Houston

August 3, 2022 | By Mendy Rimler

Houston is a big city with a lot of mortgage lenders to choose from. How do you know which mortgage lender is right for you? A mistake on a purchase this large could have financial impacts for years...

Mortgage in Houston, TX

5 Things Texas First-Time Home Buyers Should Know

August 2, 2022 | By Reef Merhi

If you're a Texas resident who is ready to become a homeowner for the first time, there are a few things you should know before you get started. Being prepared can make a big difference when you're...

VA Loans

How Long Does It Take To Get A VA Loan Approval In Texas

July 28, 2022 | By Mendy Rimler

How Long Does A VA Loan Take In Texas? In today's hot housing market, time is of the essence. You don't want to miss out! And if you are a veteran or active duty military personnel, you may be...

Getting A Mortgage

Should I Buy a House in Texas Now in 2022 If a Recession Is Really Here?

June 29, 2022 | By Reef Merhi

There's a lot of talk about whether or not we're headed for a recession. Some economists say that we are, while others say that it's unlikely. But what does this mean for people who are thinking...

Getting A Mortgage

Jumbo Loan Limits in Houston: What You Need to Know

June 29, 2022 | By Texas United Mortgage

The term jumbo loan can sound intimidating - but don’t run! This loan could be exactly what you need to get into your dream home, especially in today’s scorching hot Houston housing market.

Travis County FHA Loan Limits In 2022

June 29, 2022 | By Mendy Rimler

Looking to buy a home in Travis County, Texas in 2022? If so, you'll be happy to know that the FHA loan limits have been increased for this year! This means that you'll be able to borrow more money...

Mortgage Basics

What is Delayed Financing for Cash Buyers?

June 29, 2022 | By Mendy Rimler

Pre-approval, financing, cash offers... there are so many real estate phrases to keep track of! And when you're anxious to purchase a home, you don't want to miss out because you misunderstood.

Closing Cost

How Much House Can I Afford In Houston In 2023?

June 29, 2022 | By Mendy Rimler

Houston is one of the most vibrant and growing cities in the United States. If you're thinking about moving to Houston, or are just curious about how much house you can afford in 2023, you're in the...

VA Loans

How To Apply For A VA Mortgage Loan In Texas

May 20, 2022 | By Reef Merhi

Refinance in Texas

How much money can you get with a cash-out refinance in Texas?

April 15, 2022 | By Mendy Rimler

Need cash fast? If you own a home in Texas, you may be sitting on a golden egg!

Housing Inventory

Will Housing Inventory Increase In Texas In 2022?

April 11, 2022 | By David Webber

The housing market in Texas has been scorching hot the past couple of years. But is that going to continue in 2022?

Mortgage Companies Texas

3 Expenses That Shock First-Time Home Buyers

April 7, 2022 | By Reef Merhi

When you're a first-time homebuyer, there are a lot of things to think about. From budgets to making a list of everything you want in a new home, it's hard to keep everything in mind for a smooth...

Refinance in Texas

Guide To Cash Out Refinance In Texas In 2024

April 1, 2022 | By David Webber

If you're a homeowner in Texas, then you may be wondering if a cash out refinance is right for you. This type of mortgage allows you to borrow against the equity in your home, which can be used for a...

Mortgage Refinance

How To Refinance A Home Mortgage In Houston, Texas

March 14, 2022 | By Texas United Mortgage

If you are a homeowner in Houston, Texas, and you are looking to refinance your mortgage, you have come to the right place! In this blog post, we have gathered everything you need to know about...

Cash out refinance

How Does A Cash Out Refinance Work In Houston, Texas?

March 12, 2022 | By Mendy Rimler

If you're a homeowner in Houston, Texas and you're looking for a little extra cash, you may be wondering if a cash out refinance is the right option for you.

FHA loans

4 Unexpected Costs When Buying a Home In Texas

March 10, 2022 | By Reef Merhi

When you're planning to buy a house, it's important to ask the big questions like “What credit score will a bank require for a mortgage or loan?” or “What is the down payment for FHA loan?” In...

Cash Offer

Do I Need A Cash Offer to Win A Bidding War in Houston?

March 7, 2022 | By Mendy Rimler

If you're in the market for a new home, there's a good chance you've come across a bidding war. It can be tough to win one when another party has put cash on the table, but it's not impossible.

Buying Homes in Texas

How To Win When You're In A Bidding War For A Houston House

March 3, 2022 | By Reef Merhi

So you've found the house of your dreams in Houston, but other interested buyers are bidding against you. How can you make sure that you come out on top and win the bidding war? In this blog post, we...

Conventional Loan Down Payment

How Much Down Payment To Win A Home With Multiple Offers?

March 1, 2022 | By Mendy Rimler

It's no secret that in today's housing market, buyers are facing stiff competition. According to the National Association of Realtors, a record number of homes sold in 2021 were sold above the asking...

Mortgage Companies Texas

5 Common Home Contingencies When House Hunting

February 24, 2022 | By Reef Merhi

When buying a new home, it is not uncommon to deal with certain contingencies before completing the sale. You might be excited to find your dream home and get into it, but it's not enough to find the...

Credit Score

How Your Credit Score Affects Mortgage Rates

February 10, 2022 | By Reef Merhi

Are you interested in taking advantage of a historically low-interest environment but not sure how your credit score affects the mortgage rate you will receive? With more than $4 trillion in mortgage...

Mortgage Companies Texas

How To Negotiate the Sale Price of a Home In Texas

January 27, 2022 | By Reef Merhi

Owning a home is exciting, especially when it’s your first home! However, to ensure that you are making a good investment and getting the best price possible, first-time homebuyers can benefit from...

FHA loans

How to Get a Mortgage Pre-approval in Texas

January 13, 2022 | By Reef Merhi

Qualifying for a home loan can be a daunting experience, even to borrowers and home buyers who have previously walked through the mortgage process. The good news is that mortgage applicants don’t...

Mortgage Companies Texas

The 6 Best Questions to Ask When Buying a Home

December 29, 2021 | By Reef Merhi

A home is the biggest purchase most people will make, so it's important to go into the situation prepared. There are many things a homebuyer needs to look for and consider before signing on the...

Texas United Mortgage Group

What Homebuyers Need to Know About Home Warranties

December 23, 2021 | By Reef Merhi

When purchasing a home, it's important to understand what comes with it. Some buyers may not always think about a home warranty and the current status of warranties for any appliances or other...

Conventional Home Loan

How Higher Limits on Conforming Loans for 2022 Could Help You

December 21, 2021 | By Reef Merhi

The new conforming loan limits for 2022 are coming, and they're going to be a big change. This is because the federal government has increased them from $715,000 to $1,376,000 for single-family homes...

FHA loan requirements

New FHA Loan Limits for 2022

December 21, 2021 | By Reef Merhi

The Federal Housing Administration (FHA) just announced changes to their loan limits for 2022. The new FHA loan limits will be made available on January 1, 2022, and are designed to make it easier...

FHA Loan Texas

How to Make an Offer On a House (and Win!)

December 16, 2021 | By Reef Merhi

An important step in purchasing your first home is putting together an offer on a specific house. After you've toured several homes, planned your budget, and decided on the house of your dreams, it...

Mortgage Companies Texas

What is a Mortgage? Understanding FHA Loans and More

December 8, 2021 | By Reef Merhi

It's easy for first-time homebuyers to get excited about the significant benefits of owning a home: getting to make the remodeling or impactful decorating choices yourself, building a financial...

5 Important Things to Know About FHA Loans

December 3, 2021 | By Reef Merhi

The FHA loan is the most popular mortgage program in America, and for good reason. It's designed to help millions of people get into their dream homes by making it easier for them to afford a home...

An FHA Loan Is The Best Choice For First Time Buyers

December 3, 2021 | By Reef Merhi

As a first-time buyer, you may be feeling overwhelmed with the process. You have probably been researching your options and narrowing down what type of loan would work best for you. There are many...

Conventional Home Loan

FHA Loans: How They Compare to Conventional Loans

December 3, 2021 | By Reef Merhi

There are many different types of loans that borrowers can choose from. One option is an FHA loan, which comes with several advantages over the more traditional, non-government guaranteed mortgages...

Mortgage Companies Texas

What is Escrow? Texas United Mortgage Group Shares Details

December 2, 2021 | By Reef Merhi

When you decide to buy a home, it's not surprising that you and the seller must place a lot of trust in each other. After all, the seller doesn't want you to walk away from a deal, and you don't want...

FHA Loan Texas

What are the Types of FHA Loans?

November 26, 2021 | By Reef Merhi

If you're looking to buy a home in the near future, then it's important that you know about FHA loans. The Federal Housing Administration (FHA) is a government agency that provides mortgage insurance...

The Ultimate Guide to Getting an FHA Loan

November 26, 2021 | By Reef Merhi

If you’re in the market to buy your first home, you may not even realize how many mortgage options are out there. The FHA (Federal Housing Administration) provides mortgage insurance -i.e. “backing”...

FHA loan

Home Inspections: What Texas Homebuyers Should Know

November 25, 2021 | By Reef Merhi

Many people believe home inspections are a waste of money and time, but they're actually essential steps in the buying process. The cost of a home inspection may seem unnecessary, but it's well worth...

FHA loan

Pre-Approved vs Pre-Qualified? What Homebuyers Need to Know

November 17, 2021 | By Reef Merhi

Many homebuyers can become frustrated when navigating being "pre-qualified" by their lender vs. "pre-approved." What does this mean, and what's the difference? A trusted mortgage broker in Texas can...

conventional loans

Who Pays Real Estate Agent Commissions for Houston Homebuyers?

November 11, 2021 | By Reef Merhi

Buying a new home is an exciting time. You are making the most significant investment of your life, and you want to make sure that you get everything right. Many questions can pop up while buying a...

Mortgage Companies Texas

First-Time Homebuyers Programs: A Guide to Mortgages and More

November 4, 2021 | By Reef Merhi

Updated March 29, 2022. Buying a home is often the single most significant investment that people make in their lifetime. However, it can be intimidating to jump into this process for the first time....

Credit Score

What Credit Score Do I Need to Buy a Home in Texas?

October 27, 2021 | By Reef Merhi

Updated March 29, 2022 If you've been renting but have dreamed of buying a home, it can be easy to dismiss that goal if you ask questions like "can I get a home loan with a 500 credit score?" or...

FHA loans

What Do Mortgage Companies in Houston Do?

October 21, 2021 | By Reef Merhi

Updated March 8, 2022 Perhaps you're most familiar with banks but have not gotten to know Texas United Mortgage, one of the best mortgage companies in Houston. Mortgage companies specialize in...

Credit Score

How to Buy a Home When You Have Bad Credit

October 13, 2021 | By Reef Merhi

Updated March 8, 2022 Have you checked your credit report lately? While no one enjoys having bad credit, there are several bad credit mortgage loans that may allow you to buy a home—whether you're a...

FHA loans

What Does a Real Estate Agent Do?

October 7, 2021 | By Reef Merhi

Many home buyers are familiar with the concept of a real estate agent. They meet with them to find homes that they feel comfortable in and work closely with them during the entire purchase process....

Closing Cost

Closing Costs Explained for Texas Home Buyers

September 30, 2021 | By Reef Merhi

Updated September 13, 2023 Unless you plan on buying a new house with cash, mortgage loans are a significant part of the home buying process. However, sometimes homebuyers overlook costs outside of...

credit needed for an FHA loan

4 Tips for First-Time Homebuyers (FHA Loans and More)

September 23, 2021 | By Reef Merhi

Updated February 7, 2022 Are you thinking about buying your first home? Congratulations! You might be wondering what to do to make your homeownership dream become a reality (and how to avoid...

FHA Loan Texas

How Much Money Should I Put Down On a New Home in Texas? [Down Payment Insights]

September 17, 2021 | By Reef Merhi

Updated January 17, 2022 Buying a new home is not an easy decision. FHA loans and incentives available for first-time buyers make it easier, but there are still many considerations to make before you...

FHA Loan Texas

7 Big First-Time Buyer Mistakes to Avoid When Purchasing a Home in Texas

September 10, 2021 | By Reef Merhi

Updated January 17, 2022 Many first-time homebuyers are excited to finally buy their dream house, but it can be a daunting process. If you're looking for your first home in Texas, it's essential to...

Texas Mortgage Company