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The Rocky Mountain Mortgage Company Blog

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The Basics of Construction Lending: A Comprehensive Guide

Are you working on a project that may need construction lending to fund the job? Are you unsure what goes into the concept of construction …

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A person handing another person house keys while filling out a contract in El Paso.

Understanding Conventional Loans: A Comprehensive Guide for Homebuyers

If you’re thinking about buying a new home, you may have to take out a mortgage loan in order to finance the costs. Though there …

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A piece of paper that reads “down payment assistance” with a pen next to $100 bills.

A Comprehensive Guide to Down Payment Assistance Programs

Are you looking to buy a house but are having trouble budgeting a down payment? If so, we recommend looking into a down payment assistance …

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Two people shaking hands over a table with a home loan and miniature house in El Paso.

The Ultimate Guide to Home Loans: Everything You Need to Know

If you live in El Paso and are looking to purchase your first home, the process can be exciting but also stressful, especially for first-time …

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A house key on top of a mortgage loan agreement in El Paso.

Overview of Mortgage Loans

If you’re looking to buy a home in El Paso, you may also consider applying for a mortgage loan. However, it is important to know …

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A couple signing papers in front of an El Paso mortgage lender.

6 Questions to Ask Your Mortgage Lender

Whether you’re a first-time homeowner or a seasoned homebuyer, the process of working with a mortgage company and obtaining a home loan can always seem …

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A person using a calculator and laptop, with a white miniature model of a house on a desk in El Paso.

The Latest Mortgage Rate Forecast for 2023

Mortgage loans are an important part of personal finance for many people. Whether you’re planning to buy a home or refinance your existing loan, it’s …

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Stacks of $100 bills with a miniature house on top.

What are my Options if I Can’t Afford my Down Payment?

Having enough money to put down on a new El Paso home can seem like an impossible goal when you have student loans, credit card …

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A young couple and an El Paso mortgage lender going over paperwork

How to Ace Your Mortgage Lender Meeting in El Paso

We understand exactly how scary the idea of becoming a homeowner is. But just take a deep breath and take one step at a time. …

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Texas Mortgage Banker Consumer Disclosure: PURSUANT TO THE REQUIREMENTS OF SECTION 157.007 OF THE MORTGAGE BANKER REGISTRATION AND RESIDENTIAL MORTGAGE LOAN ORIGINATOR ACT, CHAPTER 157, TEXAS FINANCE CODE, YOU ARE HEREBY NOTIFIED OF THE FOLLOWING: CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A MORTGAGE BANKER OR A LICENSED MORTGAGE BANKER RESIDENTIAL MORTGAGE LOAN ORIGINATOR SHOULD COMPLETE, SIGN AND SEND A COMPLAINT FORM TO THE TEXAS DEPARTMENT OF SAVINGS AND MORTGAGE LENDING, 2601 NORTH LAMAR, SUITE 201, AUSTIN, TEXAS 78705. COMPLAINT FORMS AND INSTRUCTIONS MAY BE DOWNLOADED AND PRINTED FROM THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV. A TOLL-FREE CONSUMER HOTLINE IS AVAILABLE AT 1-877-276-5550. THE DEPARTMENT MAINTAINS A RECOVERY FUND TO MAKE PAYMENTS OF CERTAIN ACTUAL OUT OF POCKET DAMAGES SUSTAINED BY BORROWERS CAUSED BY ACTS OF LICENSED MORTGAGE BANKER RESIDENTIAL MORTGAGE LOAN ORIGINATORS. A WRITTEN APPLICATION FOR REIMBURSEMENT FROM THE RECOVERY FUND MUST BE FILED WITH AND INVESTIGATED BY THE DEPARTMENT PRIOR TO THE PAYMENT OF A CLAIM. FOR MORE INFORMATION ABOUT THE RECOVERY FUND, PLEASE CONSULT THE DEPARTMENT’S WEB SITE AT WWW.SML.TEXAS.GOV.

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