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The Rocky Mountain Mortgage Company Blog

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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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A young Hispanic couple smiling as they hold a small house shape in celebration of owning a new home with help from down payment assistance programs.

Become a Homeowner in El Paso with These Down Payment Assistance Programs!

If your dream of becoming a homeowner in El Paso feels impossible, know you are not alone. While the real estate market has certainly experienced …

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Mortgage concept. House loan or money investment to real estate. Property money investment contract. Buying Home. Man and woman calculates home mortgage rate. Vector illustration with characters.

The Rise and Fall of Mortgage Rates: Inflation, Economic Trends, & Why Now May Be the Time to Buy

The laws of gravity suggest that what goes up must—eventually—come down. This universal principle doesn’t just apply to objects hurled into space, but it can …

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refinance your mortgage

So You Want a Lower Mortgage Payment. Is a Mortgage Refinance Right For You? 

There’s been a lot of discussion recently about mortgage rates. Since the economy was tied up with the uncertainty of Covid, the mortgage rates have …

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Couple at real estate agency

I’m Applying for a Mortgage in 2022— Which Loan Type is Right for Me? 

As if there weren’t enough contingencies when applying for a home—credit scores, income to debt ratios, interest rates, etc.— a prospective homebuyer is often faced …

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Young beautiful happy family relaxing at home

Buying Your First Texas Home: Programs That Can Help

Buying your first home is a huge investment and can be one of the most exciting and stressful times in your life. At Rocky Mountain …

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A young couple meeting with their broker to learn more about their down payment

How Much Down Payment is a Good Down Payment? Considerations for First Time Homebuyers

Real estate transactions have changed in the last few decades. Not only has the process of real estate sales changed but so has the process …

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Man Carrying Woman Over Threshold Of Doorway In New Home

Mortgage Terminology to Familiarize Yourself With 

Are you looking to buy your first home? Is this your first time buying a home on your own? You have nothing to worry about. …

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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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