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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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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

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

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

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

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

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

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...

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...

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.

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!

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...

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...

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...

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...

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...

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!

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.

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.

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...

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Latest Texas Mortgage News