Mortgage Lenders in Fort Bend County, TX

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First-time homebuyer programs

Let Rock Mortgage Guide Your Journey to Homeownership in Fort Bend County

Rock Mortgage lenders are here to guide Fort Bend residents through home financing to ensure the process goes smoothly. Our goal is to help you find a mortgage that is an ideal match for you and your family. We offer a wide variety of home loan options through federal and state programs, which allow us to accommodate the specific needs of our customers. We can also bust some myths about home financing, so don’t be discouraged if you think homeownership isn’t attainable based on what you’ve read or heard. Rock Mortgage will show Fort Bend that owning a home is possible.

Begin the Journey to Homeownership With Our Fort Bend County Mortgage Lenders

Our mortgage lenders in Fort Bend advise you first to carefully examine your current financial situation. Your circumstances will determine which type of loan may be best for you. To get a clear picture of how much home you can afford now and which monthly payment amount will allow you to live comfortably over the long term, Rock Mortgage suggests answering these questions:

  • What is my credit score? Do I have time to improve it?
  • How much money can I save and use as a down payment?
  • Do I have enough money set aside for maintenance and repair costs?
  • Am I prepared to pay tax bills?
  • Will a home purchase still allow me to save for other financial goals?

Once you answer these questions and take a thorough inventory of your finances, mortgage lenders can recommend appropriate financing options based on your circumstances. Contact us today to learn about the loan programs at Rock Mortgage lenders in Fort Bend.

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First Time Home Buyers in Houston May Not Need a Significant Down Payment

A down payment of 20%, or one-fifth of the total purchase price, is often recommended as appropriate for first-time home buyers. Even with Houston home prices being below the national average, this can be an unattainable goal. The good news is, in most cases, a 20% down payment is not necessary to secure a mortgage. Depending on the loan you choose, you may only need to make a down payment of up to 3.5%. With some mortgage products, there is no down payment required at all.

While this makes mortgages much more attainable for people of modest means, there is a tradeoff involved. First-time home buyers Houston who make a low down payment typically have to pay mortgage insurance as part of their monthly mortgage payment. This is separate from the homeowner's

policy that you have to obtain to secure your mortgage, protecting you from damage to your property. You must factor both the mortgage insurance and the homeowner's insurance premium into your monthly mortgage payment when determining whether you can afford it.

Find Out What Our Fort Bend County, TX, Clients Have To Say About Our First Time Buyers Loan Programs

FAQ for First Time Home Buyers in Houston | Rock Mortgage

Count on Rock Mortgage Lenders To Help You Find VA Loans in Fort Bend

If you are a veteran, current military service member, or military spouse, you should explore VA loans in Fort Bend. Because VA loans are partially backed or guaranteed by the VA, private lenders can offer excellent mortgage rates and terms. Even if customers have average credit scores, they may still qualify for a VA loan, even those offering $0-down financing. Here are some facts about VA loans in Fort Bend:

  •  VA loans are for primary residences only
  •  They don’t have mortgage insurance, but there is a mandatory fee
  •  There is no limit to how much you can borrow
  •  You may still be eligible even if you have had a previous bankruptcy or home foreclosure
  •  Veterans and service members provide discharge paperwork to verify honorable discharge status.
  •  Military spouses need to submit a marriage certificate or other proof of the marriage and fill out extra eligibility forms.

Choose Rock Mortgage to begin the process for VA loans in Fort Bend by requesting Certificates of Eligibility or COE from the VA.


FAQ for First Time Home Buyers in Houston | Rock Mortgage

Ask Our Mortgage Experts About FHA Loans in Fort Bend

Our mortgage lenders help first-time homebuyers by providing FHA loans in Fort Bend. These loans are ideal for home buyers with lower-than-average credit scores and those who need a lower down payment. Because FHA loans are backed by the Federal Government, they have easier qualification requirements. There are stipulations for FHA loans in Fort Bend that other mortgages don’t have:

  • Properties can not be used for investment or renovation
  • You will need to pay FHA mortgage insurance
  • You will need to wait three years after a foreclosure before applying for FHA loans in Fort Bend

Rock Mortgage lenders in Fort Bend guide you through the process, so you know exactly what to expect and have all the documentation you need for the qualification process for FHA loans in Fort Bend.


Our Mortgage Company Manages Texas Cash-Out Loans Efficiently

Texas cash-out loans combine refinancing and home equity lending for homeowners. These loans are used for various purposes such as home improvements, buying a second property, starting a business, or paying off debt. When you refinance your home, the remainder owed on loan is subtracted from the home’s current value. Your new, refinanced loan amount is a percentage of the difference. Before selecting a Texas cash-out loan, there are some things to consider.

  • You can withdraw equity from Texas cash-out loans once per year
  • Your qualification depends on your credit score and your debt-to-income ratio
  • Your loan amount cannot exceed 80% of your home’s value
  • Let Rock Mortgage lenders in Fort Bend show you how you can take advantage of this hybrid refinancing option.


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hand holding coins and plant

Rock Mortgage Helps You Navigate Qualification for Jumbo Loans in Fort Bend

Jumbo loans were created for homebuyers looking for sizable properties costing more than conventional mortgage limits. A jumbo loan might be a good option if you need extra space and want to move to an area with higher living costs. Most conventional loans may only allow mortgage values of slightly over $500,000. Jumbo loans can accommodate home prices that are above that amount. Although these mortgages are considered a higher risk for financing, buyers have some perks with jumbo loans, such as a tax deduction on the interest accrued on loan. Like other programs, jumbo loans are also subject to regulations and eligibility requirements. Here are some things you need to know:

  • Jumbo loans have strict debt-to-income ratio rules
  • You need a high credit score to qualify
  • You will pay higher closing costs

Rock Mortgage lenders in Fort Bend are experienced with jumbo loans and are ready to help you navigate the intensive application process.


Trust Rock Mortgage Lenders With All Your Home Loan Needs in Fort Bend

Rock Mortgage lenders are dedicated home loan professionals ready to provide courteous, prompt service to the Fort Bend community. Visit our testimonials page to see glowing reviews from our customers. Call us today at (832) 230-3067 or contact us online to find out how we can assist you.

FHA Loan Houston - Rock Mortgage

A Mortgage Can Be Used for More Than Buying Your First Home

You do not necessarily have to buy an existing home to get a mortgage. For example, there are also loan products available to fund the purchase of land and the construction of your own custom home.

You May Qualify for First Time Home Buyer Benefits Even if You Have Owned a Home Before

The U.S. Department of Housing and Urban Development sets several conditions for first-time buyer status. If you meet any of the requirements, you qualify for benefits even if you have owned a home before. For example, if you have owned a home before but your spouse has not, or you have only owned a home with a spouse from whom you are now divorced. You may also qualify for first-time home buyer advantages if you have not owned a principal residence for the past three years.

Our goal at Rock Mortgage is to make the process of purchasing a home as stress-free as possible through constant communication and a customer-first approach. It is our privilege to help you finance the purchase of your first home. Contact us to start your application.

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