mortgage: Mortgage Rate Update Sugar Land, Katy, Houston, The Woodlands 04/1/15 - 04/01/15 12:15 PM
Conventional 30 year Mortgage: 3.75%
Credit score:740
LTV:80%
Loan Amount:$200k
APR: 3.82%
FHA 30 year:3.75%
Credit Score:680
LTV:96.5%
loan amount:$200k
APR:4.87%
Conventional 15 year:3.125%
Credit score:740
LTV:80%
Loan Amount:$200k
APR:3.22%
 
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 03/25/15 - 03/25/15 08:07 AM
Conventional 30 year Mortgage: 3.875%
Credit score:740
LTV:80%
Loan Amount:$200k
APR: 4.09%
FHA 30 year:3.75%
Credit Score:680
LTV:96.5%
loan amount:$200k
APR:4.87%
Conventional 15 year:3.25%
Credit score:740
LTV:80%
Loan Amount:$200k
APR:3.32%
 
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 03/11/15 - 03/11/15 08:54 AM
Conventional 30 year Mortgage: 4.125%
Credit score:740
LTV:80%
Loan Amount:$200k
APR: 4.29%
FHA 30 year:4%
Credit Score:680
LTV:96.5%
loan amount:$200k
APR:5.07%
Conventional 15 year:3.375%
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: Mortgage Rate Update Sugar Land, Katy, Houston, The Woodlands 02/25/15 - 02/25/15 08:11 AM
Conventional 30 year Mortgage: 4%
Credit score:740
LTV:80%
Loan Amount:$200k
APR: 4.29%
FHA 30 year:3.875%
Credit Score:680
LTV:96.5%
loan amount:$200k
APR:5.07%
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: Mortgage Rate Update Sugar Land, Katy, Houston, The Woodlands 01/28/15 - 01/28/15 07:59 AM
Conventional 30 year Mortgage: 3.75%
Credit score:740
LTV:80%
Loan Amount:$200k
APR: 4.09%
FHA 30 year:3.875%
Credit Score:640
LTV:96.5%
loan amount:$200k
APR:5.07%
Conventional 15 year:3.125%
Credit score:740
LTV:80%
Loan Amount:$200k
APR:3.32%
 
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: FHA Mortgage Insurance is going down by .5% soon! - 01/08/15 11:01 AM
 
HUD(the govt) just announced that they are lowering the FHA annual mortgage insurance to .85%.  This is lowering the monthly MI from 1.35% to .85%, that is a savings of .5%.  On a $200k loan amount this is a monthly savings of $86!  This was just announced so I will update you with all the specifics and the date this goes into affect once it is formally announced. This is fantastic news!
 
UPDATE- The lower mortgage insurance goes into affect for all FHA case numbers ordered on or after 1/26/15
(0 comments)

mortgage: Mortgage Rate Update Sugar Land, Katy, Houston, The Woodlands 1/7/15 - 12/17/14 10:06 AM
Conventional 30 year Mortgage: 3.875%
Credit score:740
LTV:80%
Loan Amount:$200k
APR: 4.29%
FHA 30 year:3.75%
Credit Score:640
LTV:96.5%
loan amount:$200k
APR:5.27%
Conventional 15 year:3.125%
Credit score:740
LTV:80%
Loan Amount:$200k
APR:3.32%
 
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: New Max FHA Loan Amount in Houston Area is $326,600 starting 1/1/15 - 12/10/14 10:24 AM
 
Great news, the new max FHA loan amount for the Houston, Texas area is now $326,600.  This is for 1 unit properties, so regular homes.  The Houston Area consists of Harris, Fort Bend, Montgomery, Galveston, Brazoria, Waller, Liberty and Chambers County.  This is a large increase from the previous max FHA loan amount of $295,550.  This change goes into effect Jan 1st and is for all loans that have a new FHA case number of Jan 1st or later.    So all loans started after that date are able to get the new max loan amount.  For a while it just … (2 comments)

mortgage: Mortgage Rate Update Sugar Land, Katy, Houston, The Woodlands 12/10/14 - 12/10/14 07:55 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:3.5%
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 12/3/14 - 12/03/14 07:45 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:3.5%
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: 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)

 
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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