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El Paso

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 its ups and downs in recent years, there are still ways to achieve your dreams. One such way is by making use of down payment assistance programs. As an El …

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

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 also be true in terms of economic trends. If gas prices rise, if the cost of food and necessities rise, the hope is that they will come down again. And …

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

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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 been a topic of conversation among homeowners closely monitoring their rise and fall. And yet, many homeowners are not sure whether a refinance is the right choice for them.  So …

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

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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 with the question of loan type. For the average homebuyer, there are typically three options: a conventional loan, FHA loan, and VA loan. So what’s the difference?  The answer is …

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

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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 Mortgage Company, we completely understand those feelings—after all, we’ve helped thousands of families buy their first homes.  However, we often see that potential homebuyers aren’t aware of the various programs …

Buying Your First Texas Home: Programs That Can Help Read More »

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 of acquiring a loan. Many aspiring homeowners think that they have to lay down 20% cash in order to qualify for their home. This is largely a myth (and there’s …

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

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 once they settle down in their career and preferred city. There is no “right” time to buy because all of our life’s journeys look different. There are, however, great opportunities …

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

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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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