Mortgage Credit Inquiry We often hear a lot of enthusiasm from prospective homebuyers when it comes to discussing qualifying them for a dream home. That is until we inform them, we’ll need to pull their credit. Is this something homebuyers should truly be worried...
First Time Home Buyer
Does buying a home still make financial sense?
Buying A Home This is a question that we gets asked daily, my answer is always the same; absolutely yes! Based on what I do for a living some may think it’s self-serving, and they would be correct, but that wouldn’t change my answer. As the founder of Rock Mortgage...
Is This a Good Time for Buying a House for the First Time?
With the high level of economic uncertainty currently, first-time home buyers Houston may be wondering if they should be purchasing a home now. The answer depends upon several factors. Read on to help yourself decide if buying a house for the first time is a good...
Commonly Asked Questions From First-Time Home Buyers in Houston
Are you a first-time home buyers Houston candidate? Here at Rock Mortgage, we aim to make the home-buying process as stress-free as possible for a first-time home buyer. We want to make sure you get into a home you love for a price you can afford. Below are some of...
How to Negotiate Your Mortgage Rates and Closing Costs
When you are purchasing or refinancing a home it is important to shop your mortgage rates among multiple companies to find the best deal. The mortgage industry is a highly competitive industry with each company trying to offer their best deal to earn your business...
Why Refinance?
Refinancing is something homeowners often consider a few years into their mortgage can be a great way to achieve better interest rates, lower monthly payments, and gain more desirable terms. However, depending on your specific situation, refinancing could do more harm...
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...
Rising Mortgage Rates; (is the sky really falling??)
Rising Mortgage Rates Most consumers have no idea what causes mortgage rates to rise and fall, but it’s actually a lot simpler than you may think. When the economy is good and unemployment rates are low mortgage rates rise and when the economy is bad and unemployment...
How Millennials Are Changing Real Estate
I’ve been in the consumer lending field for 4 decades now and in the mortgage industry for almost 20 years. Until 2015, the majority of my clients were Baby Boomers and Gen Xers, but then I noticed a shift starting to happen. Former clients began referring their...