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The Rocky Mountain Mortgage Company Blog

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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Refinancing Handwritten on Black Chalkboard. 3D Rendering.

The Great Mystery of Mortgage Refinancing: Should You Go For It? 

Well, it’s not exactly like returning a broken item to a store. Mortgages can get a little testy. In the simplest of terms, refinancing is …

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A young couple signing the loan for their new home

Getting to the Closing Table: What You Need to Know About Closing Costs

Everyone’s path to homeownership is different. Some people buy their first home in their twenties. Others wait until they have a family. And others buy …

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A happy young couple embracing in their new house

Mortgage Forecast for 2021 and a Peek at El Paso Housing Market

The westernmost Texas city of El Paso is unique from the rest of the Lone Star State. Not only are we a border town that …

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The Origins & History of the Mortgage: How Has It Changed Over Time?

A mortgage. It’s just one of those things in life. Most people will have some run-in with it eventually. Most will confront it at one …

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A young couple embracing with moving boxes in the background

Home Interest Rates During Coronavirus: What You Need to Know

Benjamin Franklin, one of our great founding fathers, famously stated that there are only two things certain in life: death and taxes. Well, interest rates …

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A young couple sitting at their kitchen table while researching on a computer and calculating on a calculator

How COVID-19 has Affected Home Mortgage Loans: What You Need to Know

Rocky Mountain Mortgage Company gives a quick overview of some of the changes in home loans during this unprecedented health crisis. Here are a few things you should know.

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a young couple embracing outside their new home after they closed, becoming first time homeowners

Mortgage Tips for Millennials Ready to Buy a Home

There’s some talk around town that millennials aren’t buying homes. Well, that seems to not be the case. According to Realtor.com, the prediction is that …

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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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