The name of New The Woodlands, Tx Franchise of Texas Collegiate Baseball Team is the the Woodlands Strykers. The name honors our Vets by using the Name of the the Stryker Armored Vehicle which was named after PFC Stuart S. Stryker and Specialist Robert F. Stryker who posthumously received the Medal of Honor for defending our country.
The Logo pays homage to the Oil Industry that has made the Woodlands Texas great. Kind of like a Double Play
Opening Games will Be June 1-3 @ Woodlands Christian Academy. Let's Play Ball!
Tickets may be Purchased at the Woodlands Strykers Web site I'm looking forward to some Local Baseball from Talented Players. How about you?
As noted in my previous post the HAP $10,000 Down payment assistance program ran out of money in late 2011. First the Good news the HTF- HAP $10,000 Texas Down payment assistance program is coming back within the next few weeks. The not so good news is that TDHCA will only be allocating $1,000,000 and that is enough for less than 100 loans across the state of Texas.
Once this funding is gone the program will be discontinued and it will NOT come back. Of the down payment assistance programs in the state of Texas the HAP down payment assistance program is by far the best and has the lowest fees of any down payment assistance program in the state of Texas for First time home buyers. The most uptoday information on this program and other first time home buyer programs in Texas is located at our Texas First Time Home Buyer Program Resource page.
As announced on January,26 2012 FHA is considering Lowering the Seller contributions. The HAP $10,000 Texas down payment assistance program was the only program that a first time home buyer could use to get into a home with very little to no down payment. However, while most down payment assistance programs in the state of Texas such as Homes for Heroes and TDHCA Bond 77 will assist you with the down payment they do not cover much if any of the closing costs. For example on Bond 77 TDHCA provides you with the down payment but does not provide you with the closing costs. The same is true with with the Homes for Heroes down payment assistance program. The HAP $10,000 down payment assistance program solves all of these problems for Texans wishing to purchase their first home.
It cannot be underscored enough that if you are considering using the HAP $10,000 down 
payment assistance program in Texas that you get your application in to a Lender that is approved to offer the program immediately. We offer these loans and access to this and many other Texas First time home buyer and down payment assistance programs. If your lender does not carry ALL of the Texas Down payment assistance programs you may apply with us with our online application located here.
As more updates become available on Texas First time home Buyer Down Payment assistance programs we will post them at our first time home buyer and down payment assistance program page.
It was brought up in 2010 and commentary from the public was an overwhelming NO. So the Proposal was shelved. However with the new year this proposal has gained new life with the Federal Housing Administration and HUD. As the refinement in home mortgage lending has occurred over the past 5 years. Delinquencies are down sharply as noted in this article by Housingwire. So who will this impact the most? First time Home Buyers who use down payment assistance on more affordable homes.
As it stands now using down payment assistance programs such as Bond 77 and it's higher costs would prevent thousands of First Time Home buyers in Texas from using popular programs like Bond 77, Homes for Heroes and other programs that provide assistance for the down payment but not for closing costs.
Lets use the example of a $100,000 house. Total closing Costs of Tax and Insurance Escrows, 1-year of Insurance, Title and Lender fees are fairly fixed and exceed $3,000. Currently the seller may pay up to 6% or $6,000 and this is adequate for homes even that are in higher cost county such as Harris County that has higher Taxes and towards the the coast would have windstorm and flood insurance requirements. Under this proposal anything in excess of the $3,000 would have to be paid for with either cash or a gift to the buyer.
This very fact would knock thousands of first time home buyers, educators, firemen and law enforcement from using down payment assistance in Texas. As a result the housing market which is so important to our national economic recovery would suffer.
FHAs Motto to Serve the Undeserved looks like it needs to be changed.
I'm interested on your thoughts on the subject. Feel free to comment below. As soon as this proposal is released to the Federal Register I will post a Link to the Comment Section so you can voice your opinion to FHA and HUD
in Texas is that the bond 77 Texas Down payment assistance program is back after transitioning to another servicing company. If you have been waiting for funds to become available after the after the last program servicer terminated their involvement with the program you can now get a new start with the new year. You may want to hurry because program funds are low the current allotment "Lot 17" is expected to be exhausted by January 15, 2012. As always with all Texas first time home buyer down payment assistance programs this program will not receive any funds once funds are exhausted.
Although additional funds have not been allocated to the Bond 77 down payment assistance program funds that were not used in previous allocations have been recycled and will be available with each allotment.
Bond 77 allotment 17 funds are now availabe. As noted in my previous post in an effort to lengthen the amount of time that Bond 77 Down Payment assistance is available TDHCA has slashed the amount of down payment assistance available to each buyer by 20%.
The interest rate for the TDHCA Texas down payment assistance for the new allotment #17 is only slightly lower since previous allotments even though market rates have fallen dramatically . The program is rapidly running out of money and is not expected to last much longer. To make sure you receive down payment assistance in Texas you need to have your current lender register your loan immediately and close your loan by February 15th. If you are not working with a lender that can do Texas Down Payment Assistance programs you will want to fill out our online application here and we would be delighted to assist you with your loan as soon as possible before funds are gone. As mentioned on my original post the program will not be re-funded once funds are exhausted. Based on current usage even with the reduced down payment assistance it is estimated that down payment assistance from the state of Texas will be exhausted by the early next year.
If you are already working with another lender you MUST contact them to obtain the assistance. If they cannot do bond 77 we will be happy to assist you and transfer your application to our office. You may start the process by using our online application here.
To qualify for these programs you must be able to qualify for a regular FHA Mortgage. If you cannot qualify and be approved by an approved TDHCA Lender you cannot receive the funds for bond 77. To find out if you qualify you will need to fill out our online application here or simply call our office at the number below and we will be happy to assist you.
Don't Forget you will need to take a HUD approved Home buyer education class to take
advantage of this Texas First Time home buyer down payment assistance program.
If you have specific questions about Income Caps, Purchase price limits or other details of the program in your area call our office at the numbers below and speak to a Mortgage Banker. If you are currently working with another lender on your Bond 77 loan you must transfer your loan to our office before we may assist you.
Future Lot Details - TBD - If their are funds available
Additional program details and qualifications here.
The Centennial Celebration is called "Century of the Gentry". At Main and Simontonin downtown Conroe from 5pm to 9pm. There will be antique cars of the Era on display, barber shop quartets, people in costumes of the era, musical groups and of course refreshments serves at the Hilson's onMain.
A short history of the Gentry Building is after the second fire in Conroe that destroyed 65-structures the Gentry building became the first building to meet the newly mandated code requiring stone, brick or cement that could withstand a similar fire. Within the past 100-years the Gentry building has been home to many different businesses that include a newspaper, bank, barber shop, meat market and even the District Attorney's main offices.
There will be volunteers dressed in period clothing however, attendees are encouraged to dress in fashions of the period to add to the ambiance.
Also being celebrated is another treasure of Conroe the restored landmark, the Madeley Building just around the corner which is home to the Conroe Art League.
So come on down and Celebrate 100-years of historical Conroe with the family friendly fun on November 17.
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Henry J Daniels is your Montgomery County Texas Mortgage Man. We offer the best solutions for your for residential, investment, custom home construction and commercial real estate loan needs.
Text "CoachHenry" to 50500 to get my eCard
Text "follow TexasRealLoans" to 40404 for Lending updates via SMS
Residential Home Loans provided by Premier Nationwide Lending- NMLS #209419
Construction and Interim Financing Loans Provided by Integritas Services
Insurance Provided by Henry Daniels Broker TDI 1253780
We operate on a simple motto of "Honesty - Reliability - Integrity". We adhere to this in everything we do. We keep our clients updated every step of the way. In a market where 100% financing is believed to be extinct to purchase the American Dream we still have true 100% financing available as well as 3.5% ot 5% down payment programs available. American Equity provides comprehensive financial solutions to Home-buyers and Homeowners from Mortgages, Reverse Mortgages, Insurance and Annuities.
Henry J Daniels is Your Montgomery County Texas Mortgage Man overing Sping Texas, The Woodlands and Conroe and Lake Conroe, TX. He is a Sr. Mortgage Mortgage Banker and a CMPSI Certified Mortgage Coach. He originates commercial loans in all 50 states and internationally. He Originates Residential Loans across the state of Texas.
Residential TDSML Licensing Info Located here
VA Home Loans, Texas Vet Loans, VA Jumbo Loans, FHA, Interim/Home Construction Loans, TDHCA Down Payment Assistance Loans, Bond 77 Loans, MCC Loans, Bond 74 Loans, USDA home loans, Rate Term Refinances, Texas Equity Cash Out Loans, Land and Lot Loans, Rural Residential and Rural Commercial Loans.
See my Recommendations on 
“Henry knows all aspects of the home loan process and is very helpful in showing every possible option available. His consistent and reliable communication from the start of the loan process to the minute you get your keys puts Henry a step above the rest. Call Henry and use his services. You wont be sorry!”
August 12, 2011
Top qualities: Great Results, Expert, High Integrity
Jan Peterson (Client)
“Henry is a pleasure to work with. He knows his industry and is willing to share his knowledge with others. I've been very impressed with his work ethic and his ability to see things through in a very timely manner. If you need a mortgage broker who is up to date on all of the new laws, you need to talk with Henry.” July 6, 2011
1st Lindsey Mangold, Team Leader, Wine Shop at Home
“Henry Daniels is a consummate professional. He continually seeks ways to improve his level of service. He is attentive and listens to his clients short-term and long-term financial goals. With his extensive product knowledge and attentiveness, Henry provides expert financial advise to his mortgage financing clients. If I or a family member were in need of a mortgage loan, Henry would be highly recommended.
Robin C. Morton
CEO, Cachet” June 22, 2011
1st Robin Morton, Owner/Broker, Cachet Mortgage
“Henry is passionate about helping people get the loan they deserve and fights until he finds his client the right program. ” May 31, 2011
1st James Dinaso
“Henry is truly dedicated to serving his clients and finding the right solution for a family's long term investment. I would recommend that anyone thinking of buying a home talk to Henry before they get too far into the home buying process. He'll walk you through it with your best interest at heart.” May 3, 2011
1st Mary Ann Hegvold, Owner, 30 Degrees North, LLC
“Henry is both knowledgeable about the mortgage industry and can translate his customer's needs into real actions. I would recommend him to anyone seeking a mortgage or advice” April 30, 2011
1st Kevin G Smith,ActionCOACH The Woodlands
“Henry is a remarkable person, a true Servant Leader! Within his industry is has been able to find solutions to issues his clients previously faced that no one else has either had knowledge of or cared to resolve. Additionally, Henry is an incredible referral partner. He is very inquisitive and looks for opportunities to help others daily. Get to know Henry like I do, You'll soon see what I mean!” April 30, 2011
Top qualities: Great Results, Personable, Expert
1st Clint Brinkley,
More Recommendations and Testimonials...
George & Rhonda, Clients say
I am a client of the team of American Equity - Henry Daniels as Broker. I was given Henry’s information as a potential broker by another individual in the real estate business. Because Henry’s location is not near mine I was initially concerned that he may not be able to be as attentive to my needs as someone local. I found exactly the opposite was true. I found that personal information was transmitted both to and from me virtually instantly through secure means. In the end it proved to be an essential and time-saving component of our transaction. The road that I traveled to get my home loan was not an easy one but Henry and his staff handled all the minute details to the very end. As a first time home buyer they took the time to explain anything I did not understand and work to find the lender that could fit my credit and loan requirements. During these economic times that meant they NEVER stopped until I had the lender I needed. During the purchase I found them to be very knowledgeable about numerous loan types and their network of realty professionals was extensive. They found an outstanding title agent who handled all aspects of my closing, and worked hand in hand with local title agencies and notaries to make the close occur from long distance. In addition to all of the above they went a step further and saved me over $2000 on my closing costs. I highly recommend the American Equity team for all of your realty needs. They are well versed in all loan types including VA, FHA, and Rural loans and have a network of skilled professionals that ensure no detail on your loan will be missed regardless of where you may live. THANKS Henry and American Equity!
Roger Hsiao, Internal Account Executive, Saxon Mortgage, a Morgan Stanley Company says
Working w/ Henry, at least for me, has set the standard of excellence for how an ideal lender-broker relationship should function. Ever since my first conversation w/ him, I could tell Henry was different. He is a gentleman first and foremost, who has his clients interests always at the forefront. In this business, that's a trait extremely difficult to find. However, w/ Henry it's a given. Furthermore, one of the greatest aspects of working w/ Henry is that he realizes that although you may be on the other side of the fence (for example, I'm a direct lender), teamwork is essential to getting the job done, and getting the job done well. Even though, in files we've closed in the past, problems arose, we were able to work efficiently to get the problem resolved quickly. That is a testament to what type of person Henry is. He is truly a person w/ great integrity, work ethic, and I look forward to receiving calls from him because he's a pleasure to work w/. I highly recommend him in any professional capacity he can assist you in.
Gary McCoy, Real Estate Broker/Owner @ Realty Executives says:
Please be advised that Mr. Henry Daniels has been doing business with my real estate company for a lengthy period of time. During this period he has performed his mortgage duties with a strong sense of ethnics and professionalism. He has gone beyond the call of duty to meet out client's mortgage needs with complete honesty.
Mr. Daniels will continue to provide mortgage services to our agents and clients in addition to the referrals we pass along to him based on his excellent performance.
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