Mon-Fri 9am-5pm
281-924-5816
ryan@myhomeloanguy.com
Sr. Loan Officer
Nations Reliable Lending
Affordable Mortgage Solutions & Helpful Aids for Homebuyers Wanting a Well-Informed Advantage in Home Purchasing or Refinancing.
Explore our range of affordable home loans and resources designed to empower homebuyers. Navigate the journey of purchasing or refinancing your home with confidence, armed with valuable insights and practical tools. Make informed decisions with our budget-friendly solutions, ensuring a smooth and well-guided experience.
The Smart Start Handbook is an outline of what to expect during the loan process. It explains the expectations of us as your lender as well as the expectations for you as the buyer to ensure the smoothest transaction.
Meet The Team
Process Flow
Pre-Qualified vs Pre-Approved
Close On Time Guarantee
Common Cupporting Documents
Do's & Dont's
You could run into 50 different types of turbulence or you could have a smooth flight and land on time. Certainly, the pilot will try to use his or her experience to navigate around storms and go for the smoothest flight plan, but if they are honest, they cant promise a turbulence-free trip.
Their job is simply to get you to your destination as conviently as possible in the least amount of time.
As your consultant, I see myself as the pilot of your plane. My job is to assist you in getting your home loan with the least amount of aggravation possible. I can't promise that you wont encounter any turbulence. I can promise that I’ll utilize my experience to take you on the smoothest flight possible. And, if we do hit turbulence,I wont bail out on you.
I’ll be your teammate throughout the flight until we get you safely to your destination!
We offer dozens of different home loan programs along with resources to help guide you through the loan process with confidence.
We offer a wide range of home loan options including but not limited to Conventional, FHA, VA, USDA, Jumbo, Bank Statement Loans, ITIN, Rehab Loans, Investor loans...and more.
Stay educated throughout the loan process with our catalog of videos ranging from loan program qualifications to all things home loans and real estate.
I'm your go-to AI real estate guru and mortgage consultant— I can even search for active listings, all through text!
Shouldnt one of lifes biggest purshases come with a guarantee?
See how we confidently offer this guarantee, with the help of our clients, with our Close On Time Agreement.
The home buying process is stressfull no matter how prepared you are so surround yourself with support that you can count on to handle the details while you focus on the bigger picture.
Reduce Errors - With Professional Guidance, Expectations & Accessibility
Save Money - With Cometitive Pricing and a Range Of Loan Options
Focus On Other Things - While You Let The Support Team You Hired Take Care Of The Details
Understand Your Mortgage Process - So You Can Move Through The Loan Process Confidently
Pre-qualification starts the loan process. Once a lender has gathered basic information about a borrower’s income and debts, an opinion can be made as to how much the borrower should qualify for in purchasing a house. Since loan programs vary between credit, debt and down payment requirements, borrowers should get pre-qualified for each loan type they qualify for and are considering.Being pre-qualified is only a limited analysis and doesn’t hold a lot of weight when it comes to negotiating a contract or reassuring a seller. There are many aspects to fully qualifying that could change a borrower’s ability to qualify for a mortgage. Some of these things include: credit, length of employment, type of income, debt, liens or judgments, property type or condition, and other issues that come up during the approval process.Although it’s tempting to start your home search before getting a pre-approval, we suggest you get that step completed sooner than later so you’re armed with the knowledge of your real shopping budget and the power to negotiate the best deal.
Being pre-approved lets you know your price and term limitations, and therefore removes some of the stress of finding the perfect home. It happens after the lender has verified all information you’ve submitted in the application process.Being pre-approved also empowers you during the negotiation process. It gives the seller confidence in knowing your finances aren’t an issue. You’ll need a pre-approval to bid on a bank-owned or “short sale” home. Your offer won’t even be considered if there are several offers on a home and you don’t have a pre-approval.
No.
We average contract to close between 18-28 days. Be sure to review the Smart Start Handbook to get proper expectations on time lines.
You can lock-in your interest rate once you have an accepted offer on a property. Your loan officer will discuss these options with you upon taking your loan application.
Depending on the type of transaction and the time you need, lock periods can be valid anywhere from 15 days to 180 days.
Great question. There’s a lot to consider when refinancing, and an SNMC loan professional can help you weigh this complex decision.Even a modest reduction in the interest rate can trim your monthly payment. The significance of such savings in any scenario will depend on your income, budget, loan amount, closing costs and the change in interest rate. An SNMC loan professional can help calculate the different scenarios for you, to determine if a refinance would be financially advantageous. Consulting your tax advisor is also encouraged, as your personal tax situation may affect your decision.
Start practicing that autograph! At closing, you’ll be guided through a review of all the legal documents for the property you’re purchasing or refinancing, and you’ll sign each one. We’ll give you copies of everything, and then it’s all filed and recorded. We’ll also make sure you get all pertinent information regarding your mortgage payment schedule, and servicing information for your new loan.
Obtaining a home loan is possible even with poor credit. If you have had credit problems in the past, a lender will consider you a risky borrower. To compensate for this added risk, the lender will charge you a higher interest rate and usually expect you to pay a higher down payment on your home purchase (typically 20-50% down). The worse your credit is, the more you can expect to pay for an interest rate and a down payment.Not all lenders choose to lend to risky borrowers, so you may have to contact several before finding one that will. Contact us to get an objective opinion on your credit and financial situation. Whether your situation calls for a short-term solution or a long-term strategy, we’ll give you options to empower you to make an educated decision.
NMLS:228457
281-924-5816
ryan@myhomeloanguy.com
1220 Augusta Drive, Suite 600, Houston, TX 77057 | NRL Mortgage | Equal Housing Opportunity | Nations Reliable Lending, LLC © 2022. All Rights Reserved. 713 275-1300 | NMLS ID 181407.