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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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Mortgage in Texas

What Are Mortgage Interest Rates Going to be Today in Texas?

September 6, 2024 | By Reef Merhi

A lot of people think rates change right after big news events or Federal Reserve meetings, but the truth is, banks usually adjust the rates ahead of time based on their predictions or 'bets' about...

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 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

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

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

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

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

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

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.

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 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....

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

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

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....

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...

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?

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...

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...

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...

VA Loans

How To Apply For A VA Mortgage Loan In Texas

May 20, 2022 | By Reef Merhi

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...

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...

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...

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