Henry Daniels -- Government Loan Specialist with VA, FHA & USDA Mortgages

The 31st Annual Christmas in Historic Montgomery is slated for Saturday, December 13, 2008. Activities start at 9:00 AM and end at 8:00 PM.

• There will be a Holiday Marketplace at the Community Center from 9:00 AM until 5 PM. At 11 AM
• Christmas Parade begins with the theme "A Star-Spangled Christmas" honoring our Korean & Vietnam War Veterans.
• The ever popular Cookie Walk will be held at the Community Center from 1:00 PM until 5:00 PM.
• Approximately a dozen decorated and lighted historic homes and buildings will be open for The Candlelight Home Tour which begins at 4:00 PM. Hosts and hostesses don Victorian dress for this event. When darkness falls, folks can follow the luminaries throughout the narrow streets of Montgomery, one of the oldest cities in Texas.

For more information Consult the Special Events Web Page for Montgomery, TX here

Howdy Y'all,

The Texas Veterans Land board offers Texas Veterans the opportunity for some of the lowest rates available today. Contrary to the name these loans can be used to purchase regular everyday single family homes in metro areas. In addition, fees are strictly controlled and limited to protect the Veteran. To see if you or your clients qualify for this program contact our office and we'll get you pre-approved for the program.

Texas Veterans Land Board rates for Housing Assistance and Home Improvement Programs Base Rate for Housing/Home Improvement Loans: 5.88%. The maximum Loan amount is $325,000.

Special Interest Rate Discount - For Housing and Home Improvement Loans Only (The following discount may apply if qualifying criteria are met.) Qualified Veterans with Disabilities Program Discount: -1.00% (The Veterans with Disabilities Discount applies to veterans with a compensable disability rated at thirty percent or greater by the United States Department of Veterans Affairs.)

NOTES:

• For loan payment estimates, please call our office.
• The VLB Base Rate is subject to adjustment on the each week.
• If more than one rate lock is obtained in a twelve-month period, the highest locked rate will prevail.
• Housing loans are available with 15, 20, 25 or 30-year terms.
• Home Improvement loans are available with two to 20-year terms.

For a complete list of programs terms and rates contact our office directly at (832) 519-0695 or email me at henry@GoToEquityMortgage.com

Howdy Y'all,

The Texas Veterans Land board offers Texas Veterans the opportunity for some of the lowest rates available today. Contrary to the name these loans can be used to purchase regular everyday single family homes in metro areas. In addition, fees are stricltly controlled and limited to protect the Veteran. To see if you or your clients qualify for this program contact our office and we'll get you pre-approved for the program.

Texas Veterans Land Board rates for Housing Assistance and Home Improvement Programs Base Rate for Housing/Home Improvement Loans: 6.22%. The maximum Loan amount is $325,000.

Special Interest Rate Discount - For Housing and Home Improvement Loans Only (The following discount may apply if qualifying criteria are met.) Qualified Veterans with Disabilities Program Discount: -1.00% (The Veterans with Disabilities Discount applies to veterans with a compensable disability rated at thirty percent or greater by the United States Department of Veterans Affairs.)

NOTES:

• For loan payment estimates, please call our office.
• The VLB Base Rate is subject to adjustment on the each week.
  
• If more than one rate lock is obtained in atwelve-month period, the highest locked rate will prevail.
• Housing loans are available with 15, 20, 25 or 30-year terms.
  
• Home Improvement loans are available with two to 20-year terms.

For a complete list of programs terms and rates contact our office directly at (832) 519-0695 or email me at henry@GoToEquityMortgage.com

If you are a Veteran in the State of Texas and you want the lowest rates, lowest fees and someone who looks out for you who are you going to Call?

If you are a Builder, Seller or Realtor and want a program that doesn't add time to your closing process who are you going to call?

The Answer is Equity Mortgage who is an approved Lender with the Texas Veterans Land Board.

One of the first questions i receive is why can't the Veteran Contact the Vet Land Board Directly? The answer is all Home loans above $45,000 are not originated by TVLB but by approved lenders only. These Lenders have a track record or assisting veterans and have been trained directly by the TVLB.

The cost and the Fees are the same since they are dictated by the TVLB in the best interest of the Veteran.

Did you know that the TVLB has Billions to Lend but less than 5% of eligible Veterans use it? Unlike many government assistance programs that can add weeks to the loan process the TVLB process takes one to two business days and is done concurrently with the loan process.

The Rates for TVLB loans are publicly posted weekly on the TVLB web site.

So if you are a Buyer who is a Veteran, Seller, Builder or Realtor contact our office today for a consultation on how your transaction can go smoother.

There are many ways besides opting for a shorter rate lock period to get a lower payments, though.

1. A larger down payment will result in a lower interest rate than a smaller one, because you're starting out with more equity and the lender is taking less of a risk.
   
2. You can pay points to lower your rate over the life of the loan, but that means you pay more up front. For many people, this makes sense and is a good deal.
3. Seller Contributions are closing costs paid by seller, which the seller in turn charges you to close the loan. Many people pay closing costs when they sign on the dotted line, but a person can also finance their closing costs. Paying closing costs when the loan closes will reduce your payments rates.
4. Choose a different loan program. Some loan programs have lower fees or for example on a VA loan there is no Monthly Mortgage Insurance, as there is with FHA and conventional programs that are more than 80% Loan to Value.
   

There are many other ways to reduce your payments, call our office for a consultation on how we may assist you in providing you with the best programs possible for you and your family.