Mortgage Options to Consider

Posted by Jeremy Montoya on Tuesday, June 2nd, 2015 at 8:49am


In real estate, we see so many situations of people looking to purchase a new home.  It may be a young professional looking for a small condo, a family looking to expand, rancher looking for land, or even seniors looking to downsize. For many, it is that time in your life, and you are ready to make that change.  Maybe you own your current home, but your family is growing.  Any transition like this can be a tricky one.  It is intense, fast-paced, and can be very trying at times.  You believe you have positioned yourself to make one of the most important, and biggest decisions in your life.  

Now that you have made that decision, you want to know what is out there to help you in the process.  You have ideal locations selected, and time-line for purchase all in front of you.  With all that, you still want to know, how can I get the most out of my money?  Are there any assistance programs I can utilize to help me get into that dream home? 

For many situations, there are ways to help you, the buyer, save.  There are programs in place that can be of assistance for those meeting various criteria.  You can find that there are many options for veterans, current service men and women, teachers, police, firefighters, or first-time buyers, along with many other situations.

In the process of seeking your financing, you should always keep in mind the options that are there for you.  Do you, or even the property you are looking to purchase, fit the criteria to take advantage of the many money saving programs that are available?  In financing, you have many options from an FHA Loan, VA Loans, Conventional Loan, to USDA programs for properties located in rural areas.  This can all be quite a bit overwhelming for anyone looking to make a move.

With so many options available, I always encourage anyone to shop.  Everyone looking to purchase, should not only shop for a new home, but also shop, and consult, loan officers to see which of these options best fits them.  You will want to have both a realtor, and a loan officer, who can assist you in the process of finding the best options for themselves. In these links below, you can see numerous options that are out there for you as the consumer, and even how different programs can help you save money in the process.

My First Home

Texas Department of Housing & Community Affairs

Texas Real Estate: Money Saving Options

Texas Home Programs

Real Estate is not a one-size fits all business, and the right fit is always important in such a big decision.   Every client is looking for their best fit, and that is what gives me the best feeling, to help you find just that, the perfect fit.  As your real estate agent, it is not about us, it is about you.  That is one of the greatest feelings in the world, helping you throughout the purchase process that sees you happy on closing day, but 5, 10, and 15 years beyond. 

If you are ready to make this move, and would like to have an agent wanting to help you throughout the process, give me a call, Jeremy Montoya, 979.820.1011.

Jeremy Montoya
Cell: 979.820.1011

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