The Lone Star State’s real estate market is as unique as the state itself. Texas has been one of the hottest housing markets in recent years, and there is no sign of that slowing down anytime soon.
However, whether it’s your first home or one of multiple investment properties, finding and securing a mortgage in Texas can be daunting. To put your mind at ease and get on the right track, work with a Texas mortgage broker you can trust.
At Mortgage Maestro Group, we are committed to helping our clients find the best possible mortgage solution for their individual needs. We appreciate that no two home buyers are alike, and we will work tirelessly to get you the best terms possible.
If you’re ready to make your Texas real estate dreams a reality, contact us today and let us assist you in finding the perfect mortgage for your unique situation.
Show LessWhat’s a Mortgage Broker?A mortgage broker is a professional who represents and works with multiple lenders to find you the best mortgage for your home.
Brokers must disclose their fees upfront so that there are no hidden surprises later on. Additionally, working with a broker can save you valuable time, as they will do the legwork of shopping around for the best rates and terms on your behalf. Not only upfront, but will cross check the rate again at contract to ensure you still have the best terms available for your needs.
Why You Need a Texas Mortgage BrokerWhen it comes to Texas real estate, the old saying is true — everything is bigger in Texas. The same can be said of the Texas mortgage market. With so many options available, working with a Texas mortgage broker is more important than ever.
A good mortgage company will help you navigate the complicated world of Texas home mortgages and ensure you get the best possible deal. They’ll also work with you to find a mortgage that fits your financial situation.
At Mortgage Maestro Group, we are proud to be one of the leading Texas mortgage companies. We strive to custom craft your mortgage solution.
We have helped countless clients secure the financing to purchase their dream home or investment property. Mortgage Maestro family represents our relationship after closing. We pledge to stay connected and connect with you over the next 30 years to be there as your financial needs change.
Pros of Working with a Texas Mortgage CompanyThere are many benefits of working with a Texas mortgage company, including:
Personalized ServiceWhen you work with a Texas mortgage broker, you will receive personalized service throughout the mortgage process.
Access to More LendersTexas mortgage companies have access to a wide network of lenders, which gives you more options to choose from.
Experienced ProfessionalsTexas mortgage brokers are skilled professionals who know the ins and outs of the Texas housing market.
If you’re ready to start the process of finding a mortgage in Texas, contact Mortgage Maestro Group today. We will happily help you get started on the path to homeownership.
What Are the Different Types of Mortgages in Texas?There are multiple different types of mortgages available in Texas, including:
Fixed-Rate Mortgage:A fixed-rate mortgage is where the interest rate stays the same for the entire term of the mortgageAdjustable-Rate Mortgage: This is a mortgage where the interest rate can change over timeFHA Mortgage: This is a government-backed mortgage that allows buyers to purchase a home with as little as a three-percent down paymentVA Mortgage: A VA mortgage is a government-backed mortgage available to veterans and active-duty military members (We’re Veteran owned)Non-Traditional Mortgage:This is any mortgage that does not fit into the above categoriesNo matter your unique situation, there’s a Texas mortgage that’s right for you.
Contact Mortgage Maestro Group today and let us help you find the perfect mortgage for your needs.
How to Determine Which Mortgage Is Best for YouThere are many factors to consider when choosing a mortgage, including:
The type of property you are buyingYour credit score (Pro-tip we can offer advice to increase scores and decrease interest rates)Down paymentLength of the mortgage termLoan ProgramPurchase or Refinance, and if refinance what typeDo you qualify traditionally or need non-traditional mortgage options (see below)
Your Mortgage Maestro Group loan officer will help you determine which type of mortgage is best for your individual needs. We will deep dive into your backstory and needs, to better understand your family’s why!
Texas Mortgage Basics: The Application ProcessGetting a mortgage in Texas can be complicated, but working with a Texas mortgage company can make it much easier.
The first step is to contact a Texas mortgage broker and get pre-approved for a mortgage. Once you’ve been pre-approved, the next step is to find a property.
Once you have found a property, and contracted, the lender will order an appraisal to determine the home’s value. Assuming everything goes smoothly, the next step is to close on the mortgage and officially become a homeowner.
If you’re ready to start the process of getting a mortgage in Texas, contact Mortgage Maestro Group today.
Texas Mortgage Requirements: Basics You Need to KnowWhen you’re ready to start the process of getting a mortgage in Texas, there are a few things you need to know. Firstly, The better your credit score, the more likely you are to be approved for a mortgage. And equally as important, your interest rate is tied to your credit score.
You will also need to have a down payment saved up. The amount of the down payment varies depending on the type of mortgage you get, but it is typically between three and 20 percent of the home’s purchase price. Though we will guide you abou options, and plan around your needs now and into the future.
If you manage to meet all of these requirements, you’ll be well on your way to getting a mortgage in Texas.
Picking the Right Texas Mortgage CompanyWhen it comes to picking a Texas mortgage company, you should keep a few things in mind. You’ll want to:
Ensure you work with a reputable and experienced Texas mortgage brokerEnsure that the company can provide you with the best possible terms for your mortgageMake sure that the company is one that you can trust and will protect your bottom lineAt Mortgage Maestro Group, we are proud to be a Texas mortgage company that meets this criteria. We have years of experience helping our clients secure the financing to purchase their dream homes.
We also offer some of the most competitive rates and terms in the industry. As a mortgage broker, we have access to the best wholesale lenders in America. So we will align the best terms based on your needs. And perhaps most importantly, we value your trust in us and work to ensure your experience with our company surpasses your expectations. Afterall we are only as good as our last client thinks we are.
Steps in Picking the Ideal Texas Mortgage CompanyThere are a few key steps you should take when picking a Texas mortgage company to represent you.
The first step is to research the different options available to you. You can accomplish this by speaking to friends and family, searching online, or even visiting various companies.
Once you’ve narrowed your options, the next step is to ask questions like:
What are the fees associated with this mortgage?What is the interest rate?How long is the mortgage term?What makes you different?You should also make sure to read reviews of each company before making your final decision. Check out the Better Business Bureau rating of each company.
Finally, once you’ve selected a Texas mortgage broker, it’s time to start the mortgage process.
At Mortgage Maestro Group, we are proud to offer our clients these services and more. Contact us today to get started.
Non-Traditional Mortgage OptionsNot everyone is looking for a traditional mortgage when they buy a home. If you’re self-employed, a savvy real estate investor, or can’t get a conventional mortgage, there are still options available to you.
Non-Bankable MortgagesThese are mortgages that are not backed by a government-sponsored entity like Fannie Mae or Freddie Mac. They typically have slightly higher interest rates and down payments, but they can be an amazing option for people who cannot get a traditional mortgage.
Self-Employed MortgagesIf you’re self-employed, you could have a harder time getting a traditional mortgage. Mortgage Maestro Group is proud to offer special mortgages for self-employed individuals. We can help you explore your options. We will discuss your business, financials, cash flow, to review and determine the right solution for you.
Bad Credit MortgagesIt may be challenging to get a traditional mortgage if you have bad credit. However, there may be options available to you. Credit score restrictions apply. If your scores are too low, we can align you in a path to homeownership once you improve your credit. We also pledge to be your accountability partner along the way until you achieve the dream of homeownership.
Cannabis Industry MortgagesOwning a cannabis business in a state where it is legal can be a great business opportunity. However, it can feel impossible to get a traditional mortgage to buy or refinance your home. Fortunately, there are still some options you can explore. We are proud to offer special mortgages for cannabis businesses.Whether you are the owner, or an employee we have you covered.
At Mortgage Maestro Group, we specialize in non-traditional mortgages. We understand that not everyone can get a traditional mortgage. We are proud to offer our clients a wide range of options so that they can find the mortgage that’s right for them. Contact us to find out more about our non-traditional mortgage options.
The Mortgage Maestro Group DifferenceWhen you work with Mortgage Maestro Group, you can be confident that you are working with a company committed to helping you find the right mortgage for your needs. We have a team of experienced professionals who are ready to help you through every step of the process.
As an independently owned mortgage broker we offer some of the most competitive rates and terms in the industry. Along with a wide range of mortgage programs designed to cater to your individual needs. Perhaps most importantly, we are a company that you can trust. Contact us today to get started on your path to homeownership. We look forward to serving you and earning your business.
Licensed in Colorado as Maestro LLC (DBA Mortgage Maestro Group) is an Equal Housing Lender.
387 N Corona St #646, Denver, CO 80218.
NMLS Unique Identifier #1838215
Consumers wishing to file a complaint against a company or a 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 consumer 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 residential mortgage loan originators. A written application for 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.
Home Mortgage Disclosure Act Notice. The HMDA data about our residential mortgage lending are available online for review. The data show geographic distribution of loans and applications; ethnicity, race, sex, age and income of applicants and borrowers; and information about loan approvals and denials. HMDA data for many other financial institutions are also available online. For more information, visit the Consumer Financial Protection Bureau’s website.
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