Which Loan Program Is Right for Me—Conventional, FHA, VA, or USDA?

Which Loan Program Is Right for Me—Conventional, FHA, VA, or USDA?

Which Loan Program Is Right for Me—Conventional, FHA, VA, or USDA?Brian Betty
Published on: 28/07/2025

When it comes to financing a home, the variety of loan options available can feel overwhelming. Four of the most common choices—Conventional, FHA, VA, and USDA loans—each come with unique features, eligibility requirements, and pros and cons. Choosing the right one depends on your financial situation, homeownership goals, and where you plan to live. Let’s break down each loan type to help you find the best fit.

Mortgage
Beyond the Interest Rate: Hidden Mortgage Costs Every Homebuyer Should Know

Beyond the Interest Rate: Hidden Mortgage Costs Every Homebuyer Should Know

Beyond the Interest Rate: Hidden Mortgage Costs Every Homebuyer Should KnowBrian Betty
Published on: 28/07/2025

Understanding the Full Cost of a Mortgage When you're shopping for a mortgage, the interest rate naturally grabs your attention—and it should. Even a small difference in rate can mean thousands saved or lost over the life of your loan. But interest rates tell only part of the story. A mortgage comes with a variety of additional costs and fees that can catch buyers off guard if they’re not prepared.

Mortgage
Should You Lock in Your Mortgage Rate Right Now

Should You Lock in Your Mortgage Rate Right Now

Should You Lock in Your Mortgage Rate Right NowBrian Betty
Published on: 11/07/2025

Mortgage rates in July 2025 are hovering around 6.72% for a 30-year fixed loan, reflecting a modest increase after several weeks of declines. While the Federal Reserve has not raised interest rates recently, markets remain jittery as investors watch for new inflation and employment data that could sway rate trends.

Mortgage
Why Owning a Home Still Makes Sense in 2025

Why Owning a Home Still Makes Sense in 2025

Why Owning a Home Still Makes Sense in 2025Brian Betty
Published on: 07/07/2025

If you’ve been on the fence about buying a home, you're not alone. Home prices remain elevated, mortgage rates are volatile, and affordability is a top concern. But even in 2025, owning a home still makes long-term financial sense — and the data backs it up. Let’s unpack why buying a home can still be a smart move this year.

Mortgage
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Pursuant to the requirements of Section 157.007 of the Mortgage Banker Registration and Residential Mortgage Loan Originator Act, Chapter 157, Texas Finance Code, you are hereby notified of the following: Consumers wishing to file a complaint against a mortgage banker or a licensed mortgage banker residential mortgage loan originator should complete and send a complaint form to the Texas Department of Savings and Mortgage Lending, 2601 North Lamar, Suite 201, Austin, Texas 78705. Complaint forms and instructions may be obtained from the department's website at www.sml.texas.gov A toll-free hotline is available at 1-877-276-5550. The department maintains a recovery fund to make payments of certain actual out of pocket damages sustained by borrowers caused by acts of licensed mortgage banker residential mortgage loan originators. A written application reimbursement from the recovery fund must be filed with and investigated by the department prior to the payment of a claim. For more information about the recovery fund, please consult the department's website at www.sml.texas.gov

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