mortgage: Why is my Interest Rate Different than Their's? - 11/20/14 09:24 AM
 
When dealing with mortgage rates,  at times I have heard a client say “Why is my rate different than theirs?”.   The “their” being a friend’s, coworkers or even an advertised mortgage rate online.  So I got to thinking…. It would be good for someone getting  a mortgage to know the factors that go into the calculating of their interest rate.  So here are the major items that make up your specific interest rate:
 
Credit Score- This is the obvious one, as your credit score will determine your interest rate.  As an example on a conventional the mortgage rate can … (2 comments)

mortgage: Mortgage Rate Update Sugar Land, Katy, Houston, The Woodlands 11/19/14 - 11/19/14 12:01 PM
Conventional 30 year Mortgage: 4.25%
Credit score:740
LTV:80%
Loan Amount:$200k
APR: 4.49%
FHA 30 year:4.125%
Credit Score:640
LTV:96.5%
loan amount:$200k
APR:5.57%
Conventional 15 year:3.375%
Credit score:740
LTV:80%
Loan Amount:$200k
APR:3.52%
 
Rates are Subject to Change
Call me today if you are thinking of refinancing or buying a home, for the best mortgage rate possible.

(0 comments)

mortgage: Mortgage Rate Update Sugar Land, Katy, Houston, The Woodlands 11/12/14 - 11/12/14 08:19 AM
Conventional 30 year Mortgage: 4.125%
Credit score:740
LTV:80%
Loan Amount:$200k
APR: 4.39%
FHA 30 year:4%
Credit Score:640
LTV:96.5%
loan amount:$200k
APR:5.47%
Conventional 15 year:3.375%
Credit score:740
LTV:80%
Loan Amount:$200k
APR:3.52%
 
Rates are Subject to Change
Call me today if you are thinking of refinancing or buying a home, for the best mortgage rate possible.

(2 comments)

mortgage: Mortgage Rate Update Sugar Land, Katy, Houston, The Woodlands 11/5/14 - 11/05/14 11:20 AM
Conventional 30 year Mortgage: 4.25%
Credit score:740
LTV:80%
Loan Amount:$200k
APR: 4.49%
FHA 30 year:4%
Credit Score:640
LTV:96.5%
loan amount:$200k
APR:5.47%
Conventional 15 year:3.5%
Credit score:740
LTV:80%
Loan Amount:$200k
APR:3.62%
 
Rates are Subject to Change
Call me today if you are thinking of refinancing or buying a home, for the best mortgage rate possible.

(1 comments)

mortgage: Mortgage Rate Update Sugar Land, Katy, Houston, The Woodlands 10/29/14 - 10/29/14 10:24 AM
Conventional 30 year Mortgage: 4.125%
Credit score:740
LTV:80%
Loan Amount:$200k
APR: 4.39%
FHA 30 year:4%
Credit Score:640
LTV:96.5%
loan amount:$200k
APR:5.47%
Conventional 15 year:3.375%
Credit score:740
LTV:80%
Loan Amount:$200k
APR:3.52%
 
Rates are Subject to Change
Call me today if you are thinking of refinancing or buying a home, for the best mortgage rate possible.

(0 comments)

mortgage: Mortgage Rate Update Sugar Land, Katy, Houston, The Woodlands 10/22/14 - 10/22/14 08:43 AM
Conventional 30 year Mortgage: 4.125%
Credit score:740
LTV:80%
Loan Amount:$200k
APR: 4.39%
FHA 30 year:3.875%
Credit Score:640
LTV:96.5%
loan amount:$200k
APR:5.37%
Conventional 15 year:3.25%
Credit score:740
LTV:80%
Loan Amount:$200k
APR:3.42%
 
Rates are Subject to Change
Call me today if you are thinking of refinancing or buying a home, for the best mortgage rate possible.

(0 comments)

mortgage: Don’t Forget You are also Marrying Their Credit Report - 10/17/14 06:48 AM
 
Getting married to the one you love is a great experience.  And living together you learn all the great things about them such as: their snoring, not putting down the lid, having to repeat yourself a million times and this beautiful list goes on……  I am kidding with that this comment.  But when it comes to wanting to get a mortgage in the future, your new spouse’s credit situation can help or hurt you.  I am not saying do not marry someone over their credit, but I did want to go over some major points where their credit report can … (29 comments)

mortgage: Mortgage Rate Update Sugar Land, Katy, Houston, The Woodlands 09/24/14 - 09/24/14 09:15 AM
Conventional 30 year Mortgage: 4.5%
Credit score:740
LTV:80%
Loan Amount:$200k
APR: 4.69%
FHA 30 year:4.25%
Credit Score:640
LTV:96.5%
loan amount:$200k
APR:5.67%
Conventional 15 year:3.625%
Credit score:740
LTV:80%
Loan Amount:$200k
APR:3.72%
 
Rates are Subject to Change
Call me today if you are thinking of refinancing or buying a home, for the best mortgage rate possible.

(0 comments)

mortgage: Mortgage Rate Update Sugar Land, Katy, Houston, The Woodlands 09/17/14 - 09/17/14 08:01 AM
Conventional 30 year Mortgage: 4.5%
Credit score:740
LTV:80%
Loan Amount:$200k
APR: 4.69%
FHA 30 year:4.25%
Credit Score:640
LTV:96.5%
loan amount:$200k
APR:5.67%
Conventional 15 year:3.5%
Credit score:740
LTV:80%
Loan Amount:$200k
APR:3.62%
 
Rates are Subject to Change
Call me today if you are thinking of refinancing or buying a home, for the best mortgage rate possible.

(0 comments)

mortgage: Mortgage Rate Update Sugar Land, Katy, Houston, The Woodlands 09/10/14 - 09/10/14 08:13 AM
Conventional 30 year Mortgage: 4.375%
Credit score:740
LTV:80%
Loan Amount:$200k
APR: 4.69%
FHA 30 year:4.25%
Credit Score:640
LTV:96.5%
loan amount:$200k
APR:5.67%
Conventional 15 year:3.5%
Credit score:740
LTV:80%
Loan Amount:$200k
APR:3.62%
 
Rates are Subject to Change
Call me today if you are thinking of refinancing or buying a home, for the best mortgage rate possible.

(0 comments)

mortgage: Dave Your Mortgage Guy.com Testimonial- Theresa Raulz - 08/25/14 06:49 AM
 
First and foremost let me say THANK YOU! To say you made our dreams come true would be a complete understatement, and literally the words feel completely cheap considering the miracles you worked for us. For years we struggled, paying off debt, building credit, and as you know only to be told not once, but twice that no one could help us. Imagine the heaviness in our hearts knowing that we had done literally everything possible to make a dream come true for ourselves, but also our children and still to be told no. Then by the grace of fate … (0 comments)

mortgage: Mortgage Rate Update Sugar Land, Katy, Houston, The Woodlands 08/20/14 - 08/20/14 11:37 AM
Conventional 30 year Mortgage: 4.25%
Credit score:740
LTV:80%
Loan Amount:$200k
APR: 4.59%
FHA 30 year:4.125%
Credit Score:640
LTV:96.5%
loan amount:$200k
APR:5.67%
Conventional 15 year:3.5%
Credit score:740
LTV:80%
Loan Amount:$200k
APR:3.62%
 
Rates are Subject to Change
Call me today if you are thinking of refinancing or buying a home, for the best mortgage rate possible.

(3 comments)

mortgage: Mortgage Rate Update Sugar Land, Katy, Houston, The Woodlands 08/13/14 - 08/13/14 08:18 AM
Conventional 30 year Mortgage: 4.25%
Credit score:740
LTV:80%
Loan Amount:$200k
APR: 4.59%
FHA 30 year:4.25%
Credit Score:640
LTV:96.5%
loan amount:$200k
APR:5.87%
Conventional 15 year:3.5%
Credit score:740
LTV:80%
Loan Amount:$200k
APR:3.62%
 
Rates are Subject to Change
Call me today if you are thinking of refinancing or buying a home, for the best mortgage rate possible.

(0 comments)

mortgage: Mortgage Rate Update Sugar Land, Katy, Houston, The Woodlands 08/6/14 - 08/06/14 08:15 AM
Conventional 30 year Mortgage: 4.25%
Credit score:740
LTV:80%
Loan Amount:$200k
APR: 4.59%
FHA 30 year:4.25%
Credit Score:640
LTV:96.5%
loan amount:$200k
APR:5.87%
Conventional 15 year:3.5%
Credit score:740
LTV:80%
Loan Amount:$200k
APR:3.62%
 
Rates are Subject to Change
Call me today if you are thinking of refinancing or buying a home, for the best mortgage rate possible.

(0 comments)

mortgage: Mortgage Rate Update Sugar Land, Katy, Houston, The Woodlands 07/23/14 - 07/23/14 08:32 AM
Conventional 30 year Mortgage: 4.25%
Credit score:740
LTV:80%
Loan Amount:$200k
APR: 4.59%
FHA 30 year:4.25%
Credit Score:640
LTV:96.5%
loan amount:$200k
APR:5.87%
Conventional 15 year:3.5%
Credit score:740
LTV:80%
Loan Amount:$200k
APR:3.62%
 
Rates are Subject to Change
Call me today if you are thinking of refinancing or buying a home, for the best mortgage rate possible.

(0 comments)

mortgage: Mortgage Rate Update Sugar Land, Katy, Houston, The Woodlands 07/16/14 - 07/16/14 10:55 AM
Conventional 30 year Mortgage: 4.375%
Credit score:740
LTV:80%
Loan Amount:$200k
APR: 4.69%
FHA 30 year:4.25%
Credit Score:640
LTV:96.5%
loan amount:$200k
APR:5.87%
Conventional 15 year:3.5%
Credit score:740
LTV:80%
Loan Amount:$200k
APR:3.62%
 
Rates are Subject to Change
Call me today if you are thinking of refinancing or buying a home, for the best mortgage rate possible.

(0 comments)

mortgage: Mortgage Rate Update Sugar Land, Katy, Houston, The Woodlands 07/9/14 - 07/09/14 08:20 AM
Conventional 30 year Mortgage: 4.375%
Credit score:740
LTV:80%
Loan Amount:$200k
APR: 4.69%
FHA 30 year:4.25%
Credit Score:640
LTV:96.5%
loan amount:$200k
APR:5.87%
Conventional 15 year:3.5%
Credit score:740
LTV:80%
Loan Amount:$200k
APR:3.62%
 
Rates are Subject to Change
Call me today if you are thinking of refinancing or buying a home, for the best mortgage rate possible.

(0 comments)

mortgage: Mortgage Rate Update Sugar Land, Katy, Houston, The Woodlands 07/2/14 - 07/02/14 10:12 AM
Conventional 30 year Mortgage: 4.25%
Credit score:740
LTV:80%
Loan Amount:$200k
APR: 4.59%
FHA 30 year:4.25%
Credit Score:640
LTV:96.5%
loan amount:$200k
APR:5.87%
Conventional 15 year:3.5%
Credit score:740
LTV:80%
Loan Amount:$200k
APR:3.62%
 
Rates are Subject to Change
Call me today if you are thinking of refinancing or buying a home, for the best mortgage rate possible.

(0 comments)

mortgage: Mortgage Rate Update Sugar Land, Katy, Houston, The Woodlands 06/25/14 - 06/25/14 08:08 AM
Conventional 30 year Mortgage: 4.25%
Credit score:740
LTV:80%
Loan Amount:$200k
APR: 4.59%
FHA 30 year:4.25%
Credit Score:640
LTV:96.5%
loan amount:$200k
APR:5.87%
Conventional 15 year:3.375%
Credit score:740
LTV:80%
Loan Amount:$200k
APR:3.52%
 
Rates are Subject to Change
Call me today if you are thinking of refinancing or buying a home, for the best mortgage rate possible.

(0 comments)

mortgage: Mortgage Rate Update Sugar Land, Katy, Houston, The Woodlands 06/18/14 - 06/18/14 09:23 AM
Conventional 30 year Mortgage: 4.375%
Credit score:740
LTV:80%
Loan Amount:$200k
APR: 4.69%
FHA 30 year:4.25%
Credit Score:640
LTV:96.5%
loan amount:$200k
APR:5.87%
Conventional 15 year:3.5%
Credit score:740
LTV:80%
Loan Amount:$200k
APR:3.62%
 
Rates are Subject to Change
Call me today if you are thinking of refinancing or buying a home, for the best mortgage rate possible.

(0 comments)

 
David Krichmar, DaveYourMortgageguy.com (www.DaveYourMortgageGuy.com, FHA, VA, USDA, HomePath, Jumbo) Rainmaker large

David Krichmar

DaveYourMortgageguy.com

Sugar Land, TX

More about me…

www.DaveYourMortgageGuy.com, FHA, VA, USDA, HomePath, Jumbo

Address: Serving Harris, Fort Bend, Montgomery, Brazoria County, Houston, Katy, Sugar Land, Pearland, The Woodlands or anywhere in Texas!

Office: (832) 689-6012

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