How VA Loans Compare to Traditional Mortgages If you qualify for VA loans Houston options, there is almost no other type of mortgage loan program that could offer you comparable benefits. To put this into better perspective, consider a comparison between VA loans and...
Jamie Ayala
Job Title:
Loan Processor at Rock Mortgage
Years of experience:
4+ years
Jamie Ayala has been working as a Loan Processor at Rock Mortgage for more than 4 years. As a knowledgeable account executive he has had many years of customer service experience in the loan, information technology, and political industries. Recognized for demonstrating a natural aptitude for working with cross-functional teams, as well as for meeting deadlines and validating loan documents, Jamie has a verifyable history of consistently exceeded sales and performance goals. His professional focal points include loan processing, client negotiations, team collaboration, and project management.
Understanding Debt-to-Income Ratio for Mortgage Loan Approval
When applying for a mortgage, one crucial factor that lenders consider is your debt-to-income (DTI) ratio. This figure plays a significant role in determining your eligibility for a mortgage loan and the terms you may be offered. In this blog post, we'll explain what...
Can Your Credit Score Affect an FHA Loan?
FHA loans are one of the most popular loans for homebuyers because they have various benefits such as: Having low requirements Being insured by Federal Housing Administration (FHA) Lower down payments (allowing you to borrow up to 96.5% of the home’s value) But can...
What are the requirements for an FHA Loan in Texas?
A mortgage insured by the Federal Housing Administration can help you buy a home with less-than-perfect credit and a down payment as low as 3.5%. The government backing of these loans allows lenders to offer financing to borrowers who may not qualify for conventional...
Purchasing a Home at 6% Interest Rates Is Financially Beneficial
Introduction: In today's ever-changing economic landscape, prospective homebuyers may be hesitant to enter the market when faced with interest rates around 6%. However, even at these rates, purchasing a home can still be a smart financial move. In this blog post,...
5 Reasons Why You Need a Real Estate Agent
In today’s online world, many prospective homebuyers feel empowered by the seemingly infinite amount of information out there. The ability to effortlessly scroll online listings in their area you’re your phone or smart device have caused many to take a moment and...
Jumbo Loans for Large Mortgage Amounts
If you’re looking to purchase a home on the more expensive side of the spectrum it’s possible that you will need to utilize a Jumbo Loan. This is a mortgage product that exceeds the conforming loan limits set forth by the Federal Housing Finance Agency. In Texas, this...
Disaster recovery assistance with the FHA 203(h)
In the final days of August 2017, Hurricane Harvey circled over South Texas dumping more than 20 trillion gallons of rain and displacing families from over 185,000 homes as flood waters rose above thresholds causing an estimated $97 billion in destruction alone1. As...
Three Factors to Consider When Selecting A Mortgage Lender
When purchasing a home, buyers face a lot of decision points that affect the amount they will spend for the life of their loan such as school districts, siding and one story or two. However, selecting a licensed mortgage lender will be the most critical decision for...