Financial security is a top concern for many older adults in the United States. Rising living costs, medical bills, and other expenses can put pressure on retirement savings. If you are a homeowner of age 62 or older, a reverse mortgage can help access your home's equity for income. In this blog, we will discuss […]
Buying your first home is an exciting milestone. However, gaining homeownership can be difficult if you do not meet the requirements for a mortgage. Traditional lenders often prefer applicants who can show steady pay stubs or W-2 forms. However, many self-employed people or those with irregular incomes may not have these documents. That is where […]
Becoming a homeowner for the first time is an exciting step. It also comes with a desire to make your living space comfortable, stylish, and functional. The good news is that not all renovations have to be expensive or complicated to boost your home’s value. In this blog, we will look at simple changes you […]
Buying a house is one of the biggest financial moves you can make in your lifetime. While many people focus on the price of the home, there are other key factors that can affect your long-term happiness and financial security. If you look only at the price tag, you may miss important details that could […]
The mortgage world is always changing and one trend gaining attention is the rise of Non-QM mortgages. QM stands for Qualified Mortgage, which follows specific rules set by government guidelines. Non-QM mortgages, on the other hand, offer more flexible terms and approval standards. Below is a closer look at why these types of loans are […]
Investment properties can be a great way to build long-term wealth. However, finding the right loan to fund these properties can feel tricky if you are unsure of your options. One option that is gaining interest among investors is the DSCR loan. The meaning of DSCR is Debt Service Coverage Ratio and it refers to […]
Owning a home can be one of the most fulfilling achievements in life. However, it often comes with the need for thoughtful financial planning. A well-crafted plan helps you manage your money in a way that supports your goal of becoming a homeowner without stress. Below are some practical steps to guide you in creating […]
Buying your first home is an exciting step toward building a bright future. While many focus on their income or credit score, there is another key factor that can make the mortgage process smoother: your assets. Assets come in many forms, such as savings, investments or valuable property. By showing a lender that you have […]
Being self-employed has many benefits, but getting a mortgage can be harder than for people with regular jobs. Lenders want to make sure you have a steady income and have the ability to pay back the loan. Here are five important things self-employed people need to know before applying for a mortgage. 1. Lenders Want […]
Getting a mortgage is a big financial decision and finding the best mortgage rate can save you a considerable amount of money over the life of your loan. But how do you secure the best rate? In this blog, we will share five important tips to help you obtain the lowest mortgage rates and achieve […]
"Hi, my name is Chet Decker. I'm the Executive Vice President at The Mortgage Link, Inc., where we specialize in providing personalized mortgage solutions, fast and customized quotes, competitive rates, and exceptional service with integrity."
For Texas Consumers Only: Consumers wishing to file a complaint against a company regarding the origination and/or servicing of your mortgage loan or a complaint against a residential mortgage loan originator concerning residential mortgage loans on real estate located in Texas should complete 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 obtained from the departments 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 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 departments website at www.sml.texas.gov.
Standard LSM disclosure: This is not a commitment or offer of credit. All applications must be submitted in writing and are subject to credit approval. Not all borrowers who apply will be approved.
