Texas Home Lending News

 
You should check them on quarterly basis, especially if you have Mortgage Insurance.
How's your mortgage feeling today?
Interest rates and the mortgage markets can change quickly, so it makes sense to monitor your loan against current conditions regularly. With just a few clicks, you can compare your existing loan to today's sample rates. We update it every weekday, so you can come back and perform your own diagnostic any time.
CHECK YOUR MORTGAGE
I welcome the opportunity to discuss your loan's results or to assist you in any way with your home financing needs. Also, if you have friends, co-workers or family members who would like to receive their own mortgage checkup, please refer them my way. It will be my honor to help.

Thank you for your loyal business and for your referrals!

 
 





Shawn Smith
MLO/Broker | NMLS # 863501
(214) 396-3650 | Mobile: (817) 706-8619
shawn@sublimefinancial.com

www.sublimefinancial.com
Sublime Financial, LLC
14785 Preston Rd Dallas TX 75254




NMLS # 1134044
Posted in:TEXAS MORTGAGE RATESPosted in:Texas Mortgage CalculatorPosted in:Texas refinancePosted in:Texas get rid of Mortgage InsurancePosted in:Get rid of Mortgage Insurance and tagged: TEXAS MORTGAGE RATESGet rid of Mortgage InsuranceTexas Mortgage CalculatorTexas refinance
Posted by Shawn Smith NMLS#863501 on March 11th, 2022 3:23 PM


It's not uncommon to see advertised mortgage rates well OUT of line with reality.

Whether the advertised options will be available for your transaction depends on too many variables to make the rates accurate. Chances are that some—if not all—of the following criteria will be considered before a "real" rate quote is offered.

Loan Parameters
Loan Size/Amount

Loan Types:
Fixed/Adjustable
Amortized/Interest Only
Conforming/Jumbo
FHA/VA/USDA
LTV/CLTV/HCLTV
Cash Out or Rate & Term
Closing Date/Lock Duration

Documentation Type:
Full Doc or Alternative
Stated or No-Income

Income Parameters
Housing Ratios/Debt Ratios
Time in Position
Time in Career

Type of Earnings:
Salaried or Self-Employed
Seasonal vs Steady
Salary/Overtime
Bonus/Commission
Social Security
Alimony/Child Support
Rental Income
Interest/Dividends/Gains

Property Parameters
Type of Property:
Single-Family
Multi-Family
Detached
Condo/Co-op
PUD

Market Status:
Stable
Appreciating or Declining

Condition:
Repairs Needed
Well, Septic, etc.

Occupancy:
Primary
Second Home
Investment

Bond & MBS Markets
Rates are ever changing.

Credit Parameters
Credit Scores/Inquiries
Late Payments
Collection Accounts
Judgments
Tax or Other Liens
Bankruptcy/Foreclosure
Short Sale/Deed in Lieu

Asset Parameters
Liquid
Semi- or Non-Liquid
Own Funds
Gift or Grant
Borrowed Funds
Seasoned or Un-Seasoned
Cash or On Deposit

As you can see, many factors impact your interest rate. When things are not black and white, a quote can prove unreliable until a credit check, a property appraisal, title search and even thorough underwriting of your application have occurred.

The good news is that this is what we do every day, and I will be happy to assist you through the process. Together, we will prevent unpleasant surprises and discover what is really available for your unique situation.







Shawn Smith
MLO/Broker | NMLS # 863501
(214) 396-3650 | Mobile: (817) 706-8619
shawn@sublimefinancial.com

www.sublimefinancial.com
Sublime Financial, LLC
14785 Preston Rd Dallas TX 75254





NMLS # 1134044
Posted in:mortgage loansPosted in:ratesPosted in:TEXAS MORTGAGE RATESPosted in:MORTGAGE RATES TEXASPosted in:DALLAS MORTGAGE RATES and tagged: mortgage loansratesTEXAS MORTGAGE RATESMORTGAGE RATES TEXASDALLAS MORTGAGE RATESINTERESTE RATES
Posted by Shawn Smith NMLS#863501 on March 9th, 2022 2:53 PM
 

How's your mortgage feeling today?
Interest rates and the mortgage markets can change quickly, so it makes sense to monitor your loan against current conditions regularly. With just a few clicks, you can compare your existing loan to today's sample rates. We update it every weekday, so you can come back and perform your own diagnostic any time.
CHECK YOUR MORTGAGE
I welcome the opportunity to discuss your loan's results or to assist you in any way with your home financing needs. Also, if you have friends, co-workers or family members who would like to receive their own mortgage checkup, please refer them my way. It will be my honor to help.

Thank you for your loyal business and for your referrals!

 
 





Shawn Smith
MLO/Broker | NMLS # 863501
(214) 396-3650 | Mobile: (817) 706-8619
shawn@sublimefinancial.com

www.sublimefinancial.com
Sublime Financial, LLC
14785 Preston Rd Dallas TX 75254




NMLS # 1134044
Posted in:mortgage ratesPosted in:TEXAS MORTGAGE RATESPosted in:MORTGAGE RATES TEXASPosted in:Texas Mortgage CalculatorPosted in:DALLAS MORTGAGE CALCULATORPosted in:MORTGAGE CALCULATORPosted in:CALCULATORPosted in:TODAYS MORTGAGE RATES and tagged: DALLAS MORTGAGE RATESTexas Mortgage Calculatormortgage loan calculatormortgage loan payoff calculatorMORTGAGE CALCULATOR
Posted by Shawn Smith NMLS#863501 on March 8th, 2022 1:28 PM
 
Take a fresh look at your home—or that property you've been eyeing, Jason!
Here’s a Property Report that will give you a different perspective on your home. Depending on the data available, you’ll find information on your home itself, its estimated value, and community demographics. Keep scrolling for a map or a satellite view of the neighborhood. If you want to check out other properties, too, just type in any address.

I hope you find this property report interesting and useful. If I can answer any questions about home financing, please reach out. I’ll be glad to help.
PROPERTY REPORT
 
 





Shawn Smith
MLO/Broker | NMLS # 863501
(214) 396-3650 | Mobile: (817) 706-8619
shawn@sublimefinancial.com

www.sublimefinancial.com
Sublime Financial, LLC
14785 Preston Rd Dallas TX 75254


NMLS # 1134044
Posted in:TEXAS MORTGAGE RATESPosted in:Texas Mortgage CalculatorPosted in:refinance texasPosted in:moving to texas and tagged: Real Estate Texastexas listingsTEXAS CASH OUTTEXAS HOME SALESTEXAS CONFORMING HOME LIMITSrefinance texas
Posted by Shawn Smith NMLS#863501 on November 9th, 2021 3:06 PM

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