Which would be the best option?

Hi there!

I have two lenders I have had many clients use (and have used personally as well). The biggest consideration will be the debit ratio!

Clayton Alex Gray | Sr. Loan Officer/RMLO, Retail Lending | Individual NMLS # 298840
CMG Financial | Corporate NMLS# 1820 | 200 Valleywood Dr. #B-400 | The Woodlands, TX 77380
Office: 832.592.2528 | Mobile: 832.748.(RATE)7283
|EFax: 832.209.8062 |Email: cgray@cmgfi.com | Web: www.ClaytonGray1.com

Rich Sproba | Sales Manager/RMLO, Retail Lending | NMLS#216924
CMG Financial | Corporate NMLS# 1820 | 2253 N. Loop 336 West, Ste B | Conroe, TX 77304 |Branch NMLS#1370156
Office: 832.592.2522 | Mobile: 713.582.5262| efax: 832.379.7493 | Email: rsproba@cmgfi.com Web: rsproba.cmgfi.com | Mysite

Hope this helps!

Darby Grimmett / KW / darby@darbygrimmett.com / 936-827-9217

No debt and good credit score, that is what lenders love, you will not have any trouble finding good offers. I have a partnership with a preferred lender who waives all the fees when I refer him.

Rios, I currently work with a great group of Lenders and would be glad to introduce you! Please give me a call or email for more information. 818-633-0687, botnickhomes@gmail.com
Regards,
Geralda Botnick
Champions Real Estate

There are many lenders who can help you as a first home time buyer. As a first time home buyer it is important to check your credit for yourself by pulling your credit information for free through https://www.annualcreditreport.com this way you can find out if there are any issues on your credit that you will need to address first before having the lender pull your credit. When you know your credit then you can contact the lenders and ask them what type of loans they provide, what is the credit score requirement, income requirement and what type of documentation will be required to apply for the loan. The market is changing and the rates are also changing. Its important to understand your credit worthiness and your assets or liabilities that may affect you on getting a loan. If you want to speak to me directly you can contact me at 832-619-9334 or anna@citylivn.com and we can discuss your needs and see what would be the best option for your.

If you would like to email me at karen@karensherrill-homes.com, I will email you the names and contact information of lenders my clients have had good success with. Below is also a link to the Texas Affordable Housing site, which can provide you some valuable information as a first time buyer - it also lists lenders you can check out as well. When interviewing a lender, ask not only what their rates and fees are but also how long they take to close a loan from contract receipt to closing (it can vary widely). You will also want to feel like you can communicate with them well - see if they are available after hours or on weekends should something arise. Buying a home is a big investment and you will want to be sure your lender is someone you feel confident with.