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Hybrid Agent

#hybridagent

Hybrid Agent

Most consumers have never heard of the term Hybrid Agent.  It sounds really fancy, but at the end of the day, all it means is someone who’s about to save you a lot of time and money on your real estate transaction.  A Hybrid Agent is a Real Estate Agent and a Licensed Mortgage Loan Officer wrapped up in the same person.  An agent who legally is licensed to practice both sides of your real estate transaction.  There are several reasons that you would want to use a Hybrid Agent to help you out with your real estate transaction.  I’ll be sure to cover them here.

Hybrid Agent Rebate

As a hybrid Agent, I’m able to pay your closing costs. Because I’ll be working on both sides of the transaction, I’m going to be paid for each side.  When that happens, I’m able to apply a portion of the real estate commission towards your closing costs.  In most cases, we’re able to go up to 50% of the real estate commission.  THAT’S HUGE!  Imagine buying a $300,000 home and getting $4,500 dollars towards your closing costs from your Real Estate Agent.

It’s almost too good to be true.  In fact, I encourage you to just pick up the phone, call a local realtor and ask them for half their commission to go towards your closing cost.  Chances are they are going to hang up on you.  It’s a lot to ask of your average realtor as they work really hard and aren’t willing to give up those funds.  However, since we get paid twice it’s a lot easier for us to provide that value to our clients.

Having a Loan Officer that understands the real estate side helps as well.  The $4,500 that we’re giving you as a realtor credit can be used to make sure you’ve got the best loan as well.  You can do a number of things with that money.  We would analyze your situation and see if we needed to get rid of the PMI by buying it out or buying down the interest rate… or both! If you wanted to just bring less money to closing we could also just apply the rebate towards that.  What would you use your savings towards?

 Hybrid Agent also saves you time

In your typical real estate transaction, you have to work with two different people.  You’ll have a set of questions for the realtor and you’ll have questions for the lender.  Personally, I’ve been in the position when a client asks me a question on the real estate side that I’m not the realtor on.  To keep professional courtesy, I have to defer to their real estate agent.

However, I’ve had clients ask me these questions when I was operating as a hybrid agent and they got their answers immediately.  In fact, I love the idea that I can be on a home showing and work up loan numbers for that particular home on the spot.  As a real estate agent and mortgage loan officer, I have access to all the information.  Imagine being on a showing and knowing exactly what the house is going to cost you.  Instead of watching your agent, get on the phone to call their lender and trying to get numbers together.  It helps you make a decision on putting an offer in on your dream home on the spot.  Through, my years of experience as a loan officer.  People don’t really get excited about the mortgage loan.  The excitement is house shopping.  I can assure you it’s a much easier way of doing business and it’s much smarter as well.

Hybrid Agent Future Options

This is probably one of the most important pieces of using a Hybrid Agent.  When you’re purchasing a home, it’s not just your living quarters.  For most people, it’s your largest financial investment.  With that being said, it’ll need to be managed as such.  I’m sure you’ve heard on the news that the fed has lowered interest rates or the housing markets have increased.

These are chances to better your financial position with your mortgage.  You could refinance your mortgage for a lower payment.  You could do home upgrades by taking equity out of your home to maybe remodel.  You could also possibly pull cash out of your equity for any other projects that you may have.

Equity is the difference in what you owe vs. what it’s worth.  Imagine you have a home that has a market value of $300,000, but you only owe $150,000.  In this particular scenario, you have $150,000 in equity in your home. THIS IS WHY PEOPLE SAY IF YOU’RE NOT BUYING A HOME YOU’RE THROWING AWAY MONEY.

You gain access to that equity when you refinance or you sell the home.  As a Hybrid Agent, I would have all the information about your property and your current loan numbers.  We would be in contact with you throughout your homeownership to make sure you’re in the best financial position possible.  It’s more than just a mortgage loan. It’s Mortgage Planning.  We’re going to make sure you’ve always got the best loan and you’re maximizing your equity position.

Hybrid Agent- Lending Difference

As a hybrid agent, the financial side is huge.  I use a program called mortgage coach that will show you the difference in using a Hybrid Agent vs. A Traditional Realtor.  When you see the numbers side by side, there is no doubt in my mind that you’ll choose to work with #hybridagent.  It just makes sense.

As you can see using a Hybrid Agent holds several advantages over a traditional Real Estate Agent.  Here is one example of me saving a client over $30,000 because the loan was structured properly.  They were able to save over 18K in the first 5 years of homeownership?  Could you use an extra $18K in your bank account?  Obviously, we’ll work up your personal total cost analysis to see exactly how much you’re going to save as well.

 

 

 

To get more information on the hybrid agent program and to start searching for homes. Check Out Our Hybrid Agent Page ==>

 

 

Dallas VA Loans

Dallas VA Loans

In 1944, the United States Congress passed the Servicemen’s Readjustment Act in an effort to give returning World War II veterans and their surviving spouses a range of benefits as a way for them to get re-adjusted to civilian life. In the Servicemen’s Readjustment Act, there was a multitude of benefits, but one of those benefits established the VA mortgage home loan. Since its inception, the U.S. government has insured more than 20 million VA loans. We have Senior Loan Consultants who specialize and have years of experience in the VA loan process.

Get Qualified For Your Dallas VA Loans

The VA loan process can be a puzzling experience, especially when you’re a young veteran seeking out your very first home. Our Dallas VA Loans Experts will walk you through everything and make sure that you have a thorough understanding of what you’re signing. Purchasing a home is daunting task, and you want a lender that can make the process less daunting for you.

Facts about Dallas VA Loans

People have rough patches and sometimes these situations can affect your ability to get a home. As a veteran, if you have credit issues and would like to qualify for 100% financing without private mortgage insurance, then a Dallas VA Loans may be the right fit for you.  If you’ve had to file for Chapter 13 bankruptcy but have been making payments on time for the last 12 months, then you may also qualify for a Dallas VA Loans. One aspect of the American Dream is to become a homeowner, and we want to make that dream come true for you after your tour(s) of duty.

When you’re ready to apply for a Dallas VA loans, you want to make sure that you bring copies of your W2 statements from the past two years. This allows us to confirm what your household’s gross income is. You’ll also need to bring copies of your previous two pay stubs and documentation of any other assets you may have such as any checking accounts, investments, trust funds, etc.  Be sure to bring us your DD 214 signifying that you’ve been discharged from active duty.

Why Choose Micheal Price For Your Dallas VA Loans?

We’re a Texas born, Texas bred company that understands what Texans want with their home buying process. We understand all the laws and regulations that come with applying for a home loan in Texas. Furthermore, we’ll take all the fears out of purchasing or refinancing your home. It’s hardly as hard as people make it seem. It’s a surprisingly easy process.

Additional Benefits of Choosing us for Your Dallas VA Loans

  • Your call will always be answered by a live person.
  • You’ll speak with a friendly consultant immediately.
  • You’ll shave weeks off the home purchase or refinance process with our e-signature application system.
  • You’ll work with a privately-owned Texas mortgage banker who understands how it’s acceptable and normal to use “y’all” and “fixin!”

When you come to our office, you’ll find that we respect our Veterans, and we look forward to helping with a low mortgage payment so that your family will have a new place to call home. For more information about Dallas VA loans, you can get in touch with us by clicking the button below. We look forward to Speaking with you soon! Get Approved Today

Dallas VA Loans

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Longview, tx veterans benefits, jumbo loan amounts, va lender Harlingen, refinance mortgage rate texas, texas veteran land program, va loan Austin, texas veterans affairs, Leander va loan, tx refinance, lenders texas, financing land loan texas, Garland va loans, va home mortgage calculator, va loans Schertz, Corsicana va lenders, loan max va, mortgage refinance in texas, texas refinance mortgage, Austin va lenders, Waco va mortgage, disabled veteran tax exemption texas, texas mortgage quotes, Corsicana va loans, mortgage loan rate texasIn 1944, the United States Congress passed the Servicemen’s Readjustment Act in an effort to give returning World War II veterans and their surviving spouses a range of benefits as a way for them to get re-adjusted to civilian life. In the Servicemen’s Readjustment Act, there was a multitude of benefits, but one of those benefits established the VA mortgage home loan. Since its inception, the U.S. government has insured more than 20 million VA loans. We have Senior Loan Consultants who specialize and have years of experience in the VA loan process.

Get Qualified For Your Dallas VA Loans

The VA loan process can be a puzzling experience, especially when you’re a young veteran seeking out your very first home. Our Dallas VA Loans Experts will walk you through everything and make sure that you have a thorough understanding of what you’re signing. Purchasing a home is daunting task, and you want a lender that can make the process less daunting for you.

Facts about Dallas VA Loans

People have rough patches and sometimes these situations can affect your ability to get a home. As a veteran, if you have credit issues and would like to qualify for 100% financing without private mortgage insurance, then a Dallas VA Loans may be the right fit for you.  If you’ve had to file for Chapter 13 bankruptcy but have been making payments on time for the last 12 months, then you may also qualify for a Dallas VA Loans. One aspect of the American Dream is to become a homeowner, and we want to make that dream come true for you after your tour(s) of duty.

When you’re ready to apply for a Dallas VA loans, you want to make sure that you bring copies of your W2 statements from the past two years. This allows us to confirm what your household’s gross income is. You’ll also need to bring copies of your previous two pay stubs and documentation of any other assets you may have such as any checking accounts, investments, trust funds, etc.  Be sure to bring us your DD 214 signifying that you’ve been discharged from active duty.

Why Choose Micheal Price For Your Dallas VA Loans?

We’re a Texas born, Texas bred company that understands what Texans want with their home buying process. We understand all the laws and regulations that come with applying for a home loan in Texas. Furthermore, we’ll take all the fears out of purchasing or refinancing your home. It’s hardly as hard as people make it seem. It’s a surprisingly easy process.

Additional Benefits of Choosing us for Your Dallas VA Loans

  • Your call will always be answered by a live person.
  • You’ll speak with a friendly consultant immediately.
  • You’ll shave weeks off the home purchase or refinance process with our e-signature application system.
  • You’ll work with a privately-owned Texas mortgage banker who understands how it’s acceptable and normal to use “y’all” and “fixin!”

When you come to our office, you’ll find that we respect our Veterans, and we look forward to helping with a low mortgage payment so that your family will have a new place to call home. For more information about Dallas VA loans, you can get in touch with us by clicking the button below. We look forward to Speaking with you soon! Get Approved Today

Dallas Jumbo Loans

Dallas Jumbo Loans

Dallas Jumbo Loans

conforming jumbo, mortgage loan interest only, conforming mortgage loan, super jumbo mortgage rate, super jumbo mortgage loan, cd jumbo rate, san antonio conforming loan, jumbo loan threshold, conforming mortgages, jumbo interest, jumbo mortgage loan houston, 90 ltv jumbo, va jumbo, wholesale mortgage rate sheet, calculator jumbo, jumbo mortgage rates san diego, large loan mortgages, citi jumbo mortgage rates, interest only jumbo, best fha loan Dallas Tex, jumbo loan 2011, non conforming mortgage lender, jumbo wholesale mortgage, jumbo construction loan, fha loan interest rates credit score, best fha loan San Antonio, jumbo wholesale lenders, jumbo loan company, super conforming loan rates, jumbo loans plano tx, jumbo home mortgage loan, wholesale jumbo loans, mortgage jumbo loan, best fha loan Texas, jumbo loan companies, jumbo stated income loans, mortgage deposit rates, jumbo rates mortgage, jumbo loans austin tx, 30 year fixed rate jumbo mortgage, arm jumbo, mortgages non conforming, non conforming mortgage rate, jumbo loan interest only, mortgage houston, super jumbo mortgages, jumbo loan size, 30 yr jumbo, home mortgage jumbo, wholesale jumbo loan, jumbo interest only loans, mortgage non conforming loans, loan jumbo, best 30 year fixed rate, interest only jumbo mortgage, jumbo mortgage loan limits, Burleson harp lenders, non conforming mortgage loan, best fha loan DFW Texas, jumbo 30 year mortgage, texas fha loan limits, mortgage non conforming loan, jumbo interest only, jumbo loans burlingame, refinance rate solutions, california jumbo loan super,A Dallas Jumbo loan is any mortgage loan that has an amount over $510,400.  In most cases, people think they are in a bad position because Dallas Jumbo Loans typically come with a higher interest rate than your normal conventional loan.  The rates are usually higher because they are a premium loan and are rated higher risk to the lender/ investor.  Some lenders don’t even attempt to reach this clientele because their rates are nowhere near competitive.  Also, the underwriting guidelines are so strict that it keeps a lot of lenders away from underwriting them in-house and they are scared they may have to buy the Dallas Jumbo Loans back.

A buyback on a Dallas Jumbo loan would cost the lender at least 510K on the books.  If they normally don’t service loans this could be very expensive for that lender as it would cut into operating capital.  When the investor underwrites the loan it’s typically on them if any mistakes should happen.

Dallas Jumbo Loans Rates

As I stated before, Dallas Jumbo Loans Rates are typically higher, but that spread is coming way down.  Just earlier this year Rates were at the same level as Conventional Interest Rates.  You heard that correctly.  Dallas Jumbo Rates were just as good as conforming loans.  It is absolutely amazing for people with Jumbo loans to actually have a chance to get a lower rate and have it fixed.  Most people out there looking to refinance Dallas Jumbo Loans are currently on an ARM (Adjustable Rate Mortgage).  I’m not going to be one that says ARMS are bad because they are not for someone who knows their financial situation and who is responsible.   That can be a great loan and get you an awesome rate for the time it’s fixed.  Heck, it may not even go up in the future.  Kind of just depends on where the market it. That’s a different story for a different topic, though.  Arms Vs. Fixed… Dallas Jumbo Loans Rates are literally at an all-time low, and if you are in the market for a loan, the time is now for you to make a move.  The purchase market is HOT in Dallas so you better strike fast.  If you’re looking to refinance your Dallas Jumbo Loan.  You definitely need to act fast.  As the workload for lenders increase the longer it takes to get your loan closed.  That affects you because you may need to lock your Dallas Jumbo Loan for longer than the usual 30 days.

Dallas Jumbo Loans Pricing

When you hear lenders say that rates have gone up, that only means that the pricing has changed.  Basically, the pricing is really how much it’s going to cost to get you the rate you desire.  Rates are still the same, they are just going to cost more.  This is where the term “Points” comes into play.  I understand that the general public has been hypnotized into thinking you should not pay any points, and that’s okay… BUT.  It really all depends on where you want to be.  In some cases, it could make sense to pay a point on your Dallas Jumbo Loans to get the desired rate and payment that you want.  On Dallas Jumbo Loans, it “could” work out better for you in the long run.  That point cold end of saving you thousands of dollars.  The calculation would just need to be made to determine if that’s going to be in your best interest.  If paying a point drops your payment enough to make sense, then why not.  Some people get it and Some people don’t.  It’s my hub to give you the options and numbers and let you decide how to structure your Dallas Jumbo Loans.  I’ll never force a loan on anyone, but you’ll definitely have the right information.  [embedyt]https://www.youtube.com/watch?v=_xWk41JXKgs[/embedyt]

 

Dallas Jumbo Loans Internet Rates

The internet is a powerful tool.  Until it comes to mortgages.  Unfortunately, there are a lot of people out there doing mortgage loans that have no business doing them.  A lot of companies rely on websites like LendingTree.com to generate their leads for their Dallas Jumbo Loans.  That’s great and all, but here is what happens to you the consumer.  Your phone is going to ring quite a bit for the next week or so.  What makes that bad is when you do talk to the loan officers that will be calling you, you kind of don’t know what you’re going to get.  Lendingtree is a great option for Dallas Jumbo Loans but is it the best… I don’t think it is.  You could run into one of the many bad loan officers out there that just tells what they want you to hear and it’s not accurate, or you could end up letting all the phone calls and confusion scare you away.  The best option is to flat out call a local lender and see what they can offer you.  The payment calculators can get you in the hot water as well.  If you need a payment calculator Download My Mortgage App For Your Phone Right Here. Doing things this way, you’ll only get one call in regards to your Dallas Jumbo Loan and it’ll be from me.  Not my assistant or anyone else.  The call will come directly from me.  I’ll be able to answer any questions in regards to Your Dallas Jumbo Loans that you need.  Check out this link on what you can expect on a Dallas Jumbo Loans Purchase And Refinance Process.

Dallas Realtor- How To Pick The Top Dallas Realtor

Dallas Realtor

Dallas Realtor

When it comes to finding the best Dallas Realtor things can get a little cloudy.  There are tons and tons of Dallas Realtors out there trying to get your business.  I can tell you one thing.  Not all Dallas Realtors are created equal.  When you are looking to sell your home or buy your home, one of the most important pieces to the puzzle is to make sure you have the right Dallas Realtor working on your side! A Dallas Realtor can be the difference between you selling your home on time and not selling your home at all.  Selling a home is not the easiest thing to do and not every Dallas Realtor can complete the job to your liking or your need.

Dallas Realtor Differences

The real estate industry has gone through a ton of changes.  At one point becoming a Dallas Realtor was something people actually studied to become.  Now it seems that anyone can become a realtor and start selling homes.  As a loan officer I actually thought about becoming a realtor at one point.  The qualifications are simple.  Take a few classes, pass them and you’re in!  It’s that simple.  There are tons of people who are a Dallas Realtor as a fad.  You definitely want to make sure that you’re Dallas Realtor is in it for the long haul.  When you’re dealing with possibly your largest investment ever, you definitely don’t want to leave that up to an inexperienced Dallas Realtor.  You need someone on your team who is qualified at handling contracts and making sure you get the best deal.  You definitely don’t want’t to leave money on the table when buying or selling a home.   That mistake could cost you thousands of dollars.  Not a mistake that you want to make!

My Dallas Realtor Recommendation

Dallas RealtorAs a Loan Officer that does a ton of loans, I can tell you that I’ve worked with several Dallas Realtors.  I can also tell you that there are some that I would not recommend for reasons that we don’t need to discuss at this present time.  Every now and then I come across one that impresses the heck out of me.  As a lender it kind of puts me in a bind when a realtor does something they should not.  More importantly a Dallas Realtor can definitely set the wrong expectations with a buyer or seller.  All this does is put you in a bad predicament as a Buyer or Seller.  I can honestly say that Rochelle Byars has been one of the best Realtors that I’ve worked with over the years.  She has been able to be contacted and always on top of things when I need them to happen.  I’ve gotten nothing but great reviews from her buyers and they are totally happy with her service.  If you would like to be one of these happy buyers you definitely want to contact her at 469-569-8424.  I know there are a ton of realtors out there that has shinny objects and makes them look as if they can make a miracle happen, but I can attest tot the work that Rochelle has done. If you need to be pre-qualified you definitely want to get that taken care of first.  You can contact me at 972-447-5555 as well as completing a Secure Online Application.  If you are a first time home buyer we both understand the process can be scary.  You may even be a little gun shy at first.  You can complete the information form on the right side of this page. As I state before, Not Any Dallas Realtor can’t get the job done.  You may as start with one that can get things done for you right the first time.

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References:

Homes for Sale, Real Estate & Property Listings – realtor.com®

Find real estate and homes for sale today. Use the most …

REALTOR® and Real Estate Agent Reviews – Zillow

Find and compare REALTOR® and Real Estate Agent reviews and ratings across the United States.

Real estate broker – Wikipedia, the free encyclopedia

In the United States, Realtor (capitalized) is a registered trademark of the National Association of Realtors (NAR). There are 1.3 million Realtors, mostly in the …

Cash Out Refinance And How It Can Save You Thousands In Interest Payments On Your Debt

Cash out Refinacnce

Texas Cash Out Refinance

Cash Out RefinanceWhen it comes to structuring your mortgage, you must make sure you are dealing with someone who is knowledgeable in the business.  Most consumers think they know how their loan needs to be structured, but in most cases, it can be the exact opposite until someone points it out to you.  It’s not your fault, you just don’t structure mortgage loans every day.

I’ve been in the mortgage business over 10 years now and I’ve seen a lot.  Believe it or not, I’ve seen the good ole 40-year mortgage.  You talk about a bad loan.  Do you really want to pay for the home twice?   40 years is definitely a long time to pay for your home.  In some cases for people that know they were moving in the next few years, that may have been a good deal.  Then in my opinion that was only a good deal if you had a ton of equity in the property so you could afford the extra years being added.

The hottest loan on the market these days is a 15-year mortgage.  Rates are so low at the moment that people who thought they could not afford it, actually can.  In some cases, people are actually refinancing to a 15-year loan and making a cheaper payment.  I know it sounds unreasonable, but it has happened in a few instances.

Get Approved For Your Cash Out Loan Today

A Texas Cash Out Refinance Can Help You Tremendously

When people think of a cash out refinance, typically they are looking to do home improvements.  Putting in a pool or some repairs are the main reason.  There are several reasons you should look at doing a cash out refinance if you have the equity in your property.  First of all, I’d like for you to think about all the equity that you’ve poured into your home over the years.  It’s about time it paid you back right.  Sometimes we as humans tend to get in a little over our heads with consumer debt.  Credit Cards, Installment Loans, Student Loans, Personal Loans and all kinds of other debt can be paid with your home equity loan.

What most people can’t see until you really point it out to them is regardless of who you owe, it all comes out of the same pot at the end of the month.  Basically what that means is, it really does not matter if you owe a little here and a little there, you still owe it.  A Texas Cash Out Refinance can help you consolidate all that debt into one simple payment.  In some cases for people that have the equity in their property, you can roll in enough consumer debt and only have your mortgage left to pay.

In some Extreme Cases, a Texas Cash Out Refinance you can even LOWER YOUR TERM and still lower your monthly output.  Please see an example of this in the video below.

 

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Cash Out Refinance and Qualifications

It’s really not very hard to qualify for a cash out loan in Texas.  The state has set some loan limits for this type of transaction, but it’s probably in our best interest and has saved the state from the housing crisis as much as it could.  If you are looking to do a cash out refinance in Texas, your loan will be capped at 80% of your home’s value.  This helps you keep some equity in the property and protects people from themselves.  Just as the above example shows you there are more ways to save money with a mortgage refinance than most people realize.  For your own specific scenario, please call me direct so I can tailor a loan specific to your needs and liking. Click Cash Out Refinance to get your online quote.