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Heidi Johnson, Realtor, ePro Certified & Notary is Proudly Serving the Houston, Texas Area & the Surrounding Suburbs. Personalized Customer Service for YOU! Call/Text 832-603-9111 or email: eprohomes1@gmail.com. Call me now.

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Need a Mortgage LENDER? Scroll Down to the middle for the List.

Credit Information is on the bottom of this page.

 

 

 UTC/GMT -6 hours

 

 

 

 

Scroll down the page for more great information!

All About Credit - Info on bottom of the page

 also see:

Scroll down to the very  bottom for Government programs- FREE MONEY!! - Also Credit eBook! 

 

 

Make sure you say HEIDI JOHNSON sent you, ask

for any discounts for the month.

 

How to I get my FICO score?  click here 

You will need your FICO score to be at or above 640.

The lowest "some" lenders will go is 580 - but it's rare.

 

FREE FICO Score try www.quizzle.com

 

or   www.creditsesame.com

There are more credit links down below.

 

What is the difference between FHA and Conventional Loans? Provided by: Heidi Johnson, Realtor 832-603-9111 Call me when your ready to buy or sell property.  

 

I need a calculator for:

 Refinancing, For a car - to buy or lease,

Should I rent or buy a home?

CD percentages,  basically every financial

calculator 

is here - click here


 

Closing Cost in Texas vs the U.S. 

See how we rate  - click here

 

 

 



The Ten Eleven Commandments when Applying for a Mortgage Loan

  1. Thou shalt NOT change jobs, become self-employed or quit your job.
  2. Thou shalt NOT buy a car, truck or van or you may be living in it!
  3. Thou shalt NOT use credit cards excessively or let your accounts fall behind.
  4. Thou shalt NOT spend money you have set aside for closing.
  5. Thou shalt NOT omit debts or liabilities from your loan application.
  6. Thou shalt NOT buy furniture.
  7. Thou shalt NOT originate any new inquiries into your credit.
  8. Thou shalt NOT make large deposits without first checking with your loan consultant.
  9. Thou shalt not change bank accounts or transfer monies between existing accounts.
  10. Thou shalt NOT co-sign a loan for anyone.
  11. Thou shalt NOT purchase other properties during this transaction.

Thank you in advance for not making any drastic changes in your finances while going through the mortgage process. If you have any questions about the “do’s and don’ts” while buying or refinancing your home, please

call your loan consultant before you make any decisions that could ultimately affect the outcome of your financing.

Source: Ruth Lorenzen


 
 

 

 

 
 MORTGAGE LENDERS

 Tell him HEIDI JOHNSON sent you. 

 

 

Terry Traylor - Mortgage Loan Officer

He works weekends!

 

Cell/Text 713-705-1244

terry.traylor@bankofamerica.com

NMLS# 246966

Mention my name Heidi Johnson when calling. 

 

 

 

First Time Home Buyers - Moving UP Homes - VA Loans - Investment

 


 When you have JUMBO loans... these loan lenders are the ones to consider:

 

Scott Maguire
Mortgage Consultant - NMLS # 802734   
 
Homeway Mortgage
414 W. Grand Parkway S. Ste. 116
Katy, TX 77494
 
Office     281-466-4409
Cell         832-258-6732
Fax          832-412-2012
 
 
 
Amanda Wilkie
Amcap Mortgage, LTD.
281.863.9116 office
832.689.9669 cell
832.383.6254 fax
awilkie@amcap1.com
Liza Jacques
Integrity Bank
Vice President-Residential Lending
1699 Research Forest Drive
Shenandoah, Texas 77380
Direct: 713-808-6963

 

 

 


Please say you saw it on EPROHOMES.net - Heidi Johnson, Realtor

 

 

David Pokorny

Assistant Vice President at Prosperity Bank

 

  

 

 

 

NMLS# 284206

Phone: 936-525-8630

Fax: 800-530-6775

pokorny@prosperitybankusa.com

Prosperity Bank Plaza

4295 San Felipe
Houston, Texas 77027
 

 

Note: If you are a veteran, please give me a call!  We don't charge extra fees!* 


 

 

 

 

Hey, Give Bob a call

today! He will answer

any questions you may have!

Don't forget to mention you saw it from

Heidi Johnson website!

 

 

 

 

Bob Anderson

MLS# 216506

SWBC Mortgage

26+ years in the business

VA LOANS  - Regular Home Loans - Luxury Homes

email: eloanbob@mtgtx.com

832-381-2230

 

1544 Sawdust Rd, #110
The Woodlands, TX 77380

He has another office in Spring, TX


Direct - (832) 381-2230
Fax - (832) 381-2231
Cell - (281) 728-9246


  

You can apply online! Just click here

 

   


 

If you don't have perfect credit give me a call.

Don't forget to mention

Heidi Johnson at Realty Associates

The Woodland Office!

 

 

 

 

 

Derek Taylor

713-539-1406

or  281-378-8053

Guild Mortgage

 

Custom Homes - Luxury Property - Large Ranch Properties - New Homes

Address
20333 State Hwy. 249
Suite 470, Houston, TX77070

View Driving Directions

Phone

281-378-8053


Web Address: www.loanwithderek.com
NMLS ID# 223499

 

 

 


 Don't forget to mention you saw

 it on eprohomes.net, Heidi Johnson's Realtor Website!

 

Edward Kampf
Mortgage Banker
NMLS #262323
11222 Richmond Ave. #235
Houston, TX 77082
713-528-7100

website click here

713-298-1449 cell


 

President 2010-2011+

 

 

"Get a quote in a Second"  click here

 


 

 

 

If you don't have perfect credit give me a call.

Don't forget to mention Heidi Johnson

at Realty Associates - The Woodlands Office

 

Know more about your credit score by clicking here.

What is FICO?

 

This is a nice Mortgage qualifier - click here

Mike Lesmeister, CRMS,CMPS

email: mikel@hlstx.com

NMLS # 194146

SML # 74576

 

 

 

 

 


 

 

 

 

 Don't forget to mention you saw

 it on eprohomes.net, Heidi Johnson's Realtor Website!

 

 

  Click here to go to their website -

online approvals for all kinds of home or refinancing loans.

 

 

Picture shows a SAMPLE 5/15/2012 for a current update click below.

 

 

Click here for  a 15 minute update on the Dow Jones and Fannie Mae! Cool charting!

 

 

 

Courtesy of Larry Baer  - click here for sample of Market Alert  - Houston - Loan Agent

 


Sweetwater Mortgage Loan Officers

Houston:Houston Loan Officer (RMLO #304627)
908 Town & Country Blvd # 120
Houston, Tx 77024
(281) 970-1082
(866) 717-4556 Toll Free
Email:sweetwater@sweetwatermortgage.com
Houston:Jim Norris (RMLO #304627)
908 Town & Country Blvd #120
Houston, Tx 77024
(281) 970-1082 ext 1
(866) 717-4556 ext 1
Email:jim@sweetwatermortgage.com
Houston:Elle Roloff-Norris (RMLO #304630)
908 Town & Country Blvd #120
Houston, TX 77024
281-970-1082 ext 2
866-717-4556 ext 2
Email:elle@sweetwatermortgage.com

 

 


Logo

Erica Hernandez

Residential Mortgage Loan Originator

9575 Katy Frwy

Katy, TX 77024

Direct: 713.817.2518

ehernandez@pnlending.com

NMLS# 260120

 

 


 

 Don't forget to mention you saw

 it on eprohomes.net, Heidi Johnson's Realtor Website!

 

 

LoanStarr Mortgage Company - click here

Janet Thomason - Lic. 52205

936-203-1426

 

 

Rent vs Buy Calculator - click here

 

 



  

HomePath Mortgage Lenders (Partial List) for TEXAS 

click here


 

 

  • Rural Development  Housing & Community Facilities Programs - click here

 

 

  • FHA Loan Assistance Programs - 
    click here
     
  • Mortgage - calculators, more information, credit reports etc.  - click here 

 

 

  • Loan Company (includes commercial loans) - click here

 

 

 

Click banner for more information.

 

 


 

Other Mortgage Companies:

 

 

 

  • Network Funding - 281-895-9960
  • Bank of  Texas - 713-578-3429

     

  • Hometrust Mortgage - Cindy Smith  281-376-5000

 


 

 

 


Call me about loans given to Foreign Nationals - 832-603-9111

 

 

 

When you have a credit score of less than 640 it's hard to get a mortgage loan.

There are a few companies that will do it.  You need to COMPARE rates as they may cost

you MORE for their services.

 

http://americanlendinginc.com/

 

 

LOAN PROGRAMS

  • 500 FICO FHA with only 10% Down
  • 580 FICO FHA as low as 0.5% Down
  • Up to 95% Conventional LTV - NO MI
  • VA 100% LTV - Purchase and Refi
  • Alternative Income - NO TAX RETURNS!
  • True Portfolio - NO INCOME & ASSET!
  • HARP 2.0 - DU Refi Plus to 125% LTV
  • Reverse Mortgage - Purchase and Refi
  • USDA Rural Housing Loans
  • 90% Agency Jumbo High LTV - NO MI
  • VA & FHA Streamline / 203K
  • Super Jumbo Loans up to $2.5 Million
  • Foreign Nationals / TIN # Loans
  • Finance up to 10 PROPERTIES (1-4 UNITS)

 


Lower Credit Scores - This mortgage company may help:

 

http://www.moneyctr.com/

 

 
 

The Money Center, Inc.
Residential & Commercial Lending
PHONE:  (281) 296-2265
PO Box 3011 , Spring, TX 77383

 

 

 

 

 

Credit Area
 
HOW TO FIX MY CREDIT REPORT -

Ebook -click here (big file takes a minute to download to your computer in PDF form)

 
 
Healing a Wounded Credit score - VERY HELPFUL! - click here 
Before you make any payments to a credit collection agency talk with your mortgage guy or financial person first. 
Here is ONE example of a credit debt settlement letter you have them AGREE in writing by email and or letter first before sending any money!   Click here  - (google search findings)
 
NEVER give them access to your main checking account!
Pay by credit card, MO or cashier checks.
 
 
 
Is YOUR credit costing YOU?! Click here to find out.
 
Consumer Credit - click here 
 
Credit of the big three - opt-in and opt-out - click here
 
 
 

 
FREDDIE MAC - Credit Smart -
Get Your Credit On Track with this click here
 
 
 
 
 
 
 
Take the FREE CREDIT WORKSHOP - 12 steps
 
 
 
 
 
 
 
 
 

Census - click here
Credit Reports
 
Annual Credit Report - click here
 
My free fico score - click here
 
Credit.com  - click here
 
 
 
 
 
 
Free Credit Report - click here
 
Credit Karma - click here
 
Guage my ID theft potential - click here
 
 
 
 

Get your credit reports from the BIG three.

Equifax: 800-685-1111
Experian: 888-397-3742
TransUnion: 800-916-8800

 

Know the RULES - guideline to the rules on debt- credit - click here

 

 

 

 

 

 

 

 

 


 

 

 

My loan is adjusted by the LIBOR rate.

Where do I find it? click here 


 

 

 

Bank Rates:

 

Bank of America - click here

 

Wells Fargo -  click here

 

BankRate - click here