Cotopaxi Facts – Climb For the Kids 2019

Cotopaxi Facts – Climb For the Kids 2019

Go back to: Mortgage News | Homepage

Cotopaxi Facts – Climb For the Kids 2019

Cotopaxi Facts – Climb For the Kids 2019

The 2019 Climb For the Kids is shaping up to be the toughest one yet, with Cotopaxi looming as the biggest challenge that Ryan has faced so far.  Cotopaxi is one of the world’s tallest active volcanoes and summiting that beast will not be an easy task for our team.

Cotopaxi is what’s known as a stratovolcano, with a total elevation of 19,393 feet.  Cotopaxi was first summited way back in 1872 and has proven very popular with guides and climbers alike since then.  It is part of the Ecuadorian Andes mountains.  In addition to being one of the highest volcanoes in the world, it is also one of the most active.  Cotopaxi has erupted over 50 times since 1738.  There were violent eruptions in 1744, 1768, 1877, and 1904 that caused pyroclastic flows and destructive mudflows, also known as lahars. It has been dormant for more than 70 years, which is an unusually long period for Cotopaxi.

The Climb to the top of Cotopaxi is a 9-day journey.  There is a period of acclimation before the climb, where the climbers spend time at higher elevation to get their bodies and lungs ready for the climb.  This is crucial for preparation, because the higher elevation means less air, making physical exertion more difficult.  The preparation takes place in Quito, Ecuador’s capital.  As part of the famous “Avenue of the Volcanoes”, it’s surrounded by mountains.

Then, there are several hikes and short climbs to get used to moving in the atmosphere before the actual climb.

Summiting Cotopaxi will be a long, difficult, dangerous climb.  This is a volcano that experienced climbers have difficulty with and will present a unique challenge to the team.

Please visit www.climbforthekids.com today to learn more about the Climb For The Kids, follow Ryan and Jamie’s training and efforts, and donate to our 2019 campaign.

Oh, and we also do mortgages!

If you are ready to buy a home or refinance, call the best mortgage lender in Texas, Arien Bowersock’s Texas Loan Experts Team in Austin at (512) 669-8306 or visit BowersockTeam.com to apply now. Texas Loan Experts has the lowest rates on Conventional, FHA, Mortgage Refinances, Jumbo Loans, Debt Consolidation Loans, Rate and Term Refinances, Cash Out Refinances, and HARP Loans. We are also the exclusive home for Hero.Loan VA Mortgages and The Bank Statement Mortgage. We will come to you to close your loan. Nobody gets lower mortgage rates on better loans than Texas Loan Experts.

Arien Bowersock

Arien Bowersock

I was born in Lubbock, TX and came to Austin in 1998 to attend the University of Texas. After graduating, I knew I didn’t want to leave Austin. On a whim, I took a job as a loan officer assistant and I haven’t looked back since! With over 15 years in this industry I know this market well. Not only do I help my clients with their mortgage, I assist with all other home buying needs. Whether it’s deciding on the best neighborhood, choosing a realtor, or giving my opinion on a paint color- I am here to help!
  • Close your loan in as little as 14-days
  • Day 1 Certainty simplifies the process
  • Customer service no one can match

How Can We Help You?

Texas Mortgage Lender





Texas Home Loans & Mortgages

HOME LOAN REFINANCE

Pay Off High Interest Debt and Cash-out Equity In Your Home

FHA HOME LOAN

Flexible Home Mortgage Guidelines With Attractive Rates

HARP HOME LOAN

Refinance Your Current Home Mortgage Without An Appraisal

JUMBO HOME LOAN

Higher-Dollar Home Loans From A Trusted Mortgage Lender

BANK STATEMENT MORTGAGE

Home Mortgage For Business Owners & Self-Employed

Climb For the Kids 2019 – Cotopaxi Facts

Cotopaxi Facts – Climb For the Kids 2019

Go back to: Mortgage News | Homepage

Climb For the Kids 2019 – Cotopaxi Facts

Cotopaxi Facts – Climb For the Kids 2019

The 2019 Climb For the Kids is shaping up to be the toughest one yet, with Cotopaxi looming as the biggest challenge that Ryan has faced so far.  Cotopaxi is one of the world’s tallest active volcanoes and summiting that beast will not be an easy task for our team.

Cotopaxi is what’s known as a stratovolcano, with a total elevation of 19,393 feet.  Cotopaxi was first summited way back in 1872 and has proven very popular with guides and climbers alike since then.  It is part of the Ecuadorian Andes mountains.  In addition to being one of the highest volcanoes in the world, it is also one of the most active.  Cotopaxi has erupted over 50 times since 1738.  There were violent eruptions in 1744, 1768, 1877, and 1904 that caused pyroclastic flows and destructive mudflows, also known as lahars. It has been dormant for more than 70 years, which is an unusually long period for Cotopaxi.

The Climb to the top of Cotopaxi is a 9-day journey.  There is a period of acclimation before the climb, where the climbers spend time at higher elevation to get their bodies and lungs ready for the climb.  This is crucial for preparation, because the higher elevation means less air, making physical exertion more difficult.  The preparation takes place in Quito, Ecuador’s capital.  As part of the famous “Avenue of the Volcanoes”, it’s surrounded by mountains.

Then, there are several hikes and short climbs to get used to moving in the atmosphere before the actual climb.

Summiting Cotopaxi will be a long, difficult, dangerous climb.  This is a volcano that experienced climbers have difficulty with and will present a unique challenge to the team.

Please visit www.climbforthekids.com today to learn more about the Climb For The Kids, follow Ryan and Jamie’s training and efforts, and donate to our 2019 campaign.

Oh, and we also do mortgages!

If you are ready to buy a home or refinance, call the best mortgage lender in Texas, John Schutze’s Texas Loan Experts Team in Austin at (512) 775-6820 or visit JohnSchutze.com to apply now. Texas Loan Experts has the lowest rates on Conventional, FHA, Mortgage Refinances, Jumbo Loans, Debt Consolidation Loans, Rate and Term Refinances, Cash Out Refinances, and HARP Loans. We are also the exclusive home for Hero.Loan VA Mortgages and The Bank Statement Mortgage. We will come to you to close your loan. Nobody gets lower mortgage rates on better loans than Texas Loan Experts.

John Schutze

John Schutze

John Schutze was born and raised in Austin, TX and graduated from Texas State University with a degree in finance. Beginning his career as a financial advisor, John has a unique perspective when it comes advising his clients on the best mortgage type for their financial plan. With almost 20yrs experience in the mortgage industry, John has helped over 1500 families purchase or refinance their home.

John Schutze

As one of the area’s top mortgage bankers for over 17 years, John Schutze considers his #1 goal to be providing a smooth and predictable mortgage experience for all involved. Named the 2017 Mortgage Professional of the Year by Austin Monthly, John has also been consistently selected for the Austin Business Journal Top Producer List.

The John Schutze Show

Recent Posts

  • Close your loan in as little as 14-days
  • Day 1 Certainty simplifies the process
  • Customer service no one can match

How Can We Help You?

Texas Mortgage Lender

Texas Home Loan Pre Approval





Why Choose

The John Schutze Team

CUSTOMER SERVICE
Our customer first approach to mortgages is what separates us from all of the other banks and mortgage companies. Our team will walk you through the process to ensure that your loan closes in a very timely manner. Our competition may think our philosophy on face-to-face customer service is excessive but our clients sure do appreciate it.

WE ARE THE EXPERTS
Our team has set the standard in the mortgage industry. We hire only the best in the business. Our knowledge and experience is unmatched. We continue to train and study new mortgage loan programs to make us the best choice for mortgage refinancing and home purchases, debt consolidation, Conventional, FHA, HARP, VA, and Jumbo Loans available.

BETTER HOME LOANS WITH LOWER MORTGAGE RATES
We provide you with several different mortgage loan options to ensure that you find the mortgage loan program that best fits your needs. Because of the volume of mortgage loans our team closes and the great relationships we have forged within our industry, we’re able to offer the most competitive mortgage interest rates to our clients.

WE ARE MORTGAGE LENDERS, NOT MORTGAGE BROKERS
As a direct mortgage lender, our process has been streamlined from start to finish. Having the entire mortgage loan process contained under one roof allows us to quickly and efficiently close your loan. Our ability to use the newest mortgage loan products and underwrite our own files, allows us to approve loans that our competitors can’t.

2019 Climb For The Kids

Climb For The Kids 2019

We are thrilled to announce the 2019 Climb For The Kids!  This year, Ryan Kelley and Jamie Becker will be summiting Cotopaxi in Ecuador for the 5th annual climb.  This will be the longest and highest climb so far, and Ryan and Jamie are training intently for it.

As usual, the Climb For The Kids will benefit several charities.  The team has carefully selected the charities for the great work that they do, and we are proud to be affiliated with these amazing organizations and causes.

Friends of Kids with Cancer in St. Louis has been a great partner since the beginning of the Climb.  Friends of Kids with Cancer is devoted to enriching the daily lives of children undergoing treatment for, and survivors of, cancer and blood-related diseases. Providing care through the educational and recreational support needed as a result of the long hours of chemotherapy, illness and isolation. 

SSM Health Cardinal Glennon in St. Louis has been a charitable partner for nearly as long, and we have worked with them on several charitable endeavors over the years along with the Climb.  SSM Health Cardinal Glennon primarily serves children from eastern Missouri and southern Illinois, but also treats children across the United States and from countries around the world. They have been providing care for children regardless of ability to pay since 1956.

A new partner this year is Dell Children’s Hospital in Austin.  Dell Children’s Hospital is the only dedicated freestanding pediatric and Level 1 trauma center in Central Texas. We are a non-profit hospital that provides a dedicated multidisciplinary team with a family centered approach. Dell Children’s is committed to a single purpose: making your child feel like a kid again.

We have also included the Staunton State Park Track Chair Program – Founded By Friends of Staunton State Park.  Colorado Parks and Wildlife values the right of every visitor to experience our state’s natural beauty. To provide this opportunity to the disabled community, Staunton State Park offers Action Trackchairs®, which allow visitors with limited mobility to explore designated trails in the park.

Our final charity is Elizabeth Weidener and Crowns Fight Cancer.  Elizabeth Weidner is an experienced cancer fighter and a veteran public speaker. Elizabeth became inspired to become an advocate for childhood cancer awareness after winning the Junior Miss Crown in Summer 2017 at the Miss Effingham County Fair queen pageant. She was diagnosed with neuroblastoma in January 2016.

As you can see, we have a wide variety of charitable organizations that you can donate to this year. We are excited to bring the Climb For The Kids to our new partners and the familiar organizations that we have helped in the past.  We have set a goal of $100,000 for the Climb this year, and we want to blow past it.

So please, visit www.climbforthekids.com today to learn more about the Climb For The Kids, follow Ryan and Jamie’s training and efforts, and donate to our 2019 campaign.

Oh, and we also do mortgages! 

If you are ready to buy a home or refinance, call the best mortgage lender in Texas, Arien Bowersock’s Texas Loan Experts Team in Austin at (512) 669-8306 or visit BowersockTeam.com to apply now. Texas Loan Experts has the lowest rates on Conventional, FHA, Mortgage Refinances, Jumbo Loans, Debt Consolidation Loans, Rate and Term Refinances, Cash Out Refinances, and HARP Loans. We are also the exclusive home for Hero.Loan VA Mortgages and The Bank Statement Mortgage. We will come to you to close your loan. Nobody gets lower mortgage rates on better loans than Texas Loan Experts.

Arien Bowersock

Arien Bowersock

I was born in Lubbock, TX and came to Austin in 1998 to attend the University of Texas. After graduating, I knew I didn’t want to leave Austin. On a whim, I took a job as a loan officer assistant and I haven’t looked back since! With over 15 years in this industry I know this market well. Not only do I help my clients with their mortgage, I assist with all other home buying needs. Whether it’s deciding on the best neighborhood, choosing a realtor, or giving my opinion on a paint color- I am here to help!
  • Close your loan in as little as 14-days
  • Day 1 Certainty simplifies the process
  • Customer service no one can match

How Can We Help You?

Texas Mortgage Lender





Texas Home Loans & Mortgages

HOME LOAN REFINANCE

Pay Off High Interest Debt and Cash-out Equity In Your Home

FHA HOME LOAN

Flexible Home Mortgage Guidelines With Attractive Rates

HARP HOME LOAN

Refinance Your Current Home Mortgage Without An Appraisal

JUMBO HOME LOAN

Higher-Dollar Home Loans From A Trusted Mortgage Lender

BANK STATEMENT MORTGAGE

Home Mortgage For Business Owners & Self-Employed

Climb For The Kids 2019

Climb For The Kids 2019

We are thrilled to announce the 2019 Climb For The Kids!  This year, Ryan Kelley and Jamie Becker will be summiting Cotopaxi in Ecuador for the 5th annual climb.  This will be the longest and highest climb so far, and Ryan and Jamie are training intently for it.

As usual, the Climb For The Kids will benefit several charities.  The team has carefully selected the charities for the great work that they do, and we are proud to be affiliated with these amazing organizations and causes.

Friends of Kids with Cancer in St. Louis has been a great partner since the beginning of the Climb.  Friends of Kids with Cancer is devoted to enriching the daily lives of children undergoing treatment for, and survivors of, cancer and blood-related diseases. Providing care through the educational and recreational support needed as a result of the long hours of chemotherapy, illness and isolation. 

SSM Health Cardinal Glennon in St. Louis has been a charitable partner for nearly as long, and we have worked with them on several charitable endeavors over the years along with the Climb.  SSM Health Cardinal Glennon primarily serves children from eastern Missouri and southern Illinois, but also treats children across the United States and from countries around the world. They have been providing care for children regardless of ability to pay since 1956.

A new partner this year is Dell Children’s Hospital in Austin.  Dell Children’s Hospital is the only dedicated freestanding pediatric and Level 1 trauma center in Central Texas. We are a non-profit hospital that provides a dedicated multidisciplinary team with a family centered approach. Dell Children’s is committed to a single purpose: making your child feel like a kid again.

We have also included the Staunton State Park Track Chair Program – Founded By Friends of Staunton State Park.  Colorado Parks and Wildlife values the right of every visitor to experience our state’s natural beauty. To provide this opportunity to the disabled community, Staunton State Park offers Action Trackchairs®, which allow visitors with limited mobility to explore designated trails in the park.

Our final charity is Elizabeth Weidener and Crowns Fight Cancer.  Elizabeth Weidner is an experienced cancer fighter and a veteran public speaker. Elizabeth became inspired to become an advocate for childhood cancer awareness after winning the Junior Miss Crown in Summer 2017 at the Miss Effingham County Fair queen pageant. She was diagnosed with neuroblastoma in January 2016.

As you can see, we have a wide variety of charitable organizations that you can donate to this year. We are excited to bring the Climb For The Kids to our new partners and the familiar organizations that we have helped in the past.  We have set a goal of $100,000 for the Climb this year, and we want to blow past it.

So please, visit www.climbforthekids.com today to learn more about the Climb For The Kids, follow Ryan and Jamie’s training and efforts, and donate to our 2019 campaign.

Oh, and we also do mortgages! 

If you are ready to buy a home or refinance, call the best mortgage lender in Texas, John Schutze’s Texas Loan Experts Team in Austin at (512) 775-6820 or visit JohnSchutze.com to apply now. Texas Loan Experts has the lowest rates on Conventional, FHA, Mortgage Refinances, Jumbo Loans, Debt Consolidation Loans, Rate and Term Refinances, Cash Out Refinances, and HARP Loans. We are also the exclusive home for Hero.Loan VA Mortgages and The Bank Statement Mortgage. We will come to you to close your loan. Nobody gets lower mortgage rates on better loans than Texas Loan Experts.

John Schutze

John Schutze

John Schutze was born and raised in Austin, TX and graduated from Texas State University with a degree in finance. Beginning his career as a financial advisor, John has a unique perspective when it comes advising his clients on the best mortgage type for their financial plan. With almost 20yrs experience in the mortgage industry, John has helped over 1500 families purchase or refinance their home.

John Schutze

As one of the area’s top mortgage bankers for over 17 years, John Schutze considers his #1 goal to be providing a smooth and predictable mortgage experience for all involved. Named the 2017 Mortgage Professional of the Year by Austin Monthly, John has also been consistently selected for the Austin Business Journal Top Producer List.

The John Schutze Show

Recent Posts

  • Close your loan in as little as 14-days
  • Day 1 Certainty simplifies the process
  • Customer service no one can match

How Can We Help You?

Texas Mortgage Lender

Texas Home Loan Pre Approval





Why Choose

The John Schutze Team

CUSTOMER SERVICE
Our customer first approach to mortgages is what separates us from all of the other banks and mortgage companies. Our team will walk you through the process to ensure that your loan closes in a very timely manner. Our competition may think our philosophy on face-to-face customer service is excessive but our clients sure do appreciate it.

WE ARE THE EXPERTS
Our team has set the standard in the mortgage industry. We hire only the best in the business. Our knowledge and experience is unmatched. We continue to train and study new mortgage loan programs to make us the best choice for mortgage refinancing and home purchases, debt consolidation, Conventional, FHA, HARP, VA, and Jumbo Loans available.

BETTER HOME LOANS WITH LOWER MORTGAGE RATES
We provide you with several different mortgage loan options to ensure that you find the mortgage loan program that best fits your needs. Because of the volume of mortgage loans our team closes and the great relationships we have forged within our industry, we’re able to offer the most competitive mortgage interest rates to our clients.

WE ARE MORTGAGE LENDERS, NOT MORTGAGE BROKERS
As a direct mortgage lender, our process has been streamlined from start to finish. Having the entire mortgage loan process contained under one roof allows us to quickly and efficiently close your loan. Our ability to use the newest mortgage loan products and underwrite our own files, allows us to approve loans that our competitors can’t.

Get the Lowest Mortgage Rate

How Do You Get the Lowest Mortgage Rate

When buying a home, one of the most vital problems to solve is “how do you get the lowest mortgage rate?”  Since this is the largest debt you are ever likely to accrue, paying the smallest amount of interest on the loan is vital to your long-term financial health.  Building wealth today starts with home ownership. 

Mortgage rates don’t just get picked out of the air.  They are determined by a number of factors, with your credit score as the bedrock of the number.  Everything else in your mortgage rate flows from your credit score.  If it’s too low, you will pay higher rates, or be unable to get a mortgage on your home.

Here are some tips on how to improve your credit score before you apply to increase your chances of getting the best mortgage rate.

  1. Check Your Score

Your FICO score, the most commonly used credit score, is how you qualify for loans.  The number is calculated through a number of factors that you can work on improving.  The basic breakdown is:

  • payment history (35%)
  • money owed (30%)
  • length of credit history (15%)
  • types of credit in use (10%)
  • new credit (10%)

Your credit score will generally range anywhere from 400 to 800, and if you want to get the lowest possible rate, you need a score in the 700’s.  You need to keep credit card balances low, and not have high debts in other areas. 

Don’t miss payments either.  Every payment that you miss is a slash to your credit score.  Make your history of payments look great, and your score will improve.  You also need to check to make sure that your credit reports are correct.  These companies do make errors, and they can hurt you badly if they are not fixed.  Experian, TransUnion and Equifax are the major credit reporting agencies.  Check them for errors before you ever apply for a mortgage and fix those errors.

  1. Get Rid Of Your Debt

As much as you can, get rid of outstanding debt.  Your Debt-To-Income Ratio or DTI should be below 43%.  DTI is defined as the ratio of money that you make, against the money that you owe.  Available credit is calculated into this number.  You basically want to be able to show that you make more money than you owe in bills each month.  If your obligations exceed 43% of your income, that’s when you turn into a bad risk for lenders and may be seen as risky to pay off your loan.

When you’re ready to buy (hopefully soon, with these rates!) call the best mortgage lender in Texas, John Schutze’s Texas Loan Experts Team in Austin at (512) 775-6820 or visit JohnSchutze.com to apply now. Texas Loan Experts has the lowest rates on Conventional, FHA, Mortgage Refinances, Jumbo Loans, Debt Consolidation Loans, Rate and Term Refinances, Cash Out Refinances, and HARP Loans. We are also the exclusive home for Hero.Loan VA Mortgages and The Bank Statement Mortgage. We will come to you to close your loan. Nobody gets lower mortgage rates on better loans than Texas Loan Experts.

John Schutze

John Schutze

John Schutze was born and raised in Austin, TX and graduated from Texas State University with a degree in finance. Beginning his career as a financial advisor, John has a unique perspective when it comes advising his clients on the best mortgage type for their financial plan. With almost 20yrs experience in the mortgage industry, John has helped over 1500 families purchase or refinance their home.

John Schutze

As one of the area’s top mortgage bankers for over 17 years, John Schutze considers his #1 goal to be providing a smooth and predictable mortgage experience for all involved. Named the 2017 Mortgage Professional of the Year by Austin Monthly, John has also been consistently selected for the Austin Business Journal Top Producer List.

The John Schutze Show

Recent Posts

  • Close your loan in as little as 14-days
  • Day 1 Certainty simplifies the process
  • Customer service no one can match

How Can We Help You?

Texas Mortgage Lender

Texas Home Loan Pre Approval





Why Choose

The John Schutze Team

CUSTOMER SERVICE
Our customer first approach to mortgages is what separates us from all of the other banks and mortgage companies. Our team will walk you through the process to ensure that your loan closes in a very timely manner. Our competition may think our philosophy on face-to-face customer service is excessive but our clients sure do appreciate it.

WE ARE THE EXPERTS
Our team has set the standard in the mortgage industry. We hire only the best in the business. Our knowledge and experience is unmatched. We continue to train and study new mortgage loan programs to make us the best choice for mortgage refinancing and home purchases, debt consolidation, Conventional, FHA, HARP, VA, and Jumbo Loans available.

BETTER HOME LOANS WITH LOWER MORTGAGE RATES
We provide you with several different mortgage loan options to ensure that you find the mortgage loan program that best fits your needs. Because of the volume of mortgage loans our team closes and the great relationships we have forged within our industry, we’re able to offer the most competitive mortgage interest rates to our clients.

WE ARE MORTGAGE LENDERS, NOT MORTGAGE BROKERS
As a direct mortgage lender, our process has been streamlined from start to finish. Having the entire mortgage loan process contained under one roof allows us to quickly and efficiently close your loan. Our ability to use the newest mortgage loan products and underwrite our own files, allows us to approve loans that our competitors can’t.

How Do You Get the Lowest Mortgage Rate

How Do You Get the Lowest Mortgage Rate

Go back to: Mortgage News | Homepage

How Do You Get the Lowest Mortgage Rate

How Do You Get the Lowest Mortgage Rate

When buying a home, one of the most vital problems to solve is “how do you get the lowest mortgage rate?”  Since this is the largest debt you are ever likely to accrue, paying the smallest amount of interest on the loan is vital to your long-term financial health.  Building wealth today starts with home ownership. 

Mortgage rates don’t just get picked out of the air.  They are determined by a number of factors, with your credit score as the bedrock of the number.  Everything else in your mortgage rate flows from your credit score.  If it’s too low, you will pay higher rates, or be unable to get a mortgage on your home.

Here are some tips on how to improve your credit score before you apply to increase your chances of getting the best mortgage rate.

  1. Check Your Score

Your FICO score, the most commonly used credit score, is how you qualify for loans.  The number is calculated through a number of factors that you can work on improving.  The basic breakdown is:

  • payment history (35%)
  • money owed (30%)
  • length of credit history (15%)
  • types of credit in use (10%)
  • new credit (10%)

Your credit score will generally range anywhere from 400 to 800, and if you want to get the lowest possible rate, you need a score in the 700’s.  You need to keep credit card balances low, and not have high debts in other areas. 

Don’t miss payments either.  Every payment that you miss is a slash to your credit score.  Make your history of payments look great, and your score will improve.  You also need to check to make sure that your credit reports are correct.  These companies do make errors, and they can hurt you badly if they are not fixed.  Experian, TransUnion and Equifax are the major credit reporting agencies.  Check them for errors before you ever apply for a mortgage and fix those errors.

  1. Get Rid Of Your Debt

As much as you can, get rid of outstanding debt.  Your Debt-To-Income Ratio or DTI should be below 43%.  DTI is defined as the ratio of money that you make, against the money that you owe.  Available credit is calculated into this number.  You basically want to be able to show that you make more money than you owe in bills each month.  If your obligations exceed 43% of your income, that’s when you turn into a bad risk for lenders and may be seen as risky to pay off your loan.

When you’re ready to buy (hopefully soon, with these rates!) call the best mortgage lender in Texas, Arien Bowersock’s Texas Loan Experts Team in Austin at (512) 669-8306 or visit BowersockTeam.com to apply now. Texas Loan Experts has the lowest rates on Conventional, FHA, Mortgage Refinances, Jumbo Loans, Debt Consolidation Loans, Rate and Term Refinances, Cash Out Refinances, and HARP Loans. We are also the exclusive home for Hero.Loan VA Mortgages and The Bank Statement Mortgage. We will come to you to close your loan. Nobody gets lower mortgage rates on better loans than Texas Loan Experts.

Arien Bowersock

Arien Bowersock

I was born in Lubbock, TX and came to Austin in 1998 to attend the University of Texas. After graduating, I knew I didn’t want to leave Austin. On a whim, I took a job as a loan officer assistant and I haven’t looked back since! With over 15 years in this industry I know this market well. Not only do I help my clients with their mortgage, I assist with all other home buying needs. Whether it’s deciding on the best neighborhood, choosing a realtor, or giving my opinion on a paint color- I am here to help!
  • Close your loan in as little as 14-days
  • Day 1 Certainty simplifies the process
  • Customer service no one can match

How Can We Help You?

Texas Mortgage Lender





Texas Home Loans & Mortgages

HOME LOAN REFINANCE

Pay Off High Interest Debt and Cash-out Equity In Your Home

FHA HOME LOAN

Flexible Home Mortgage Guidelines With Attractive Rates

HARP HOME LOAN

Refinance Your Current Home Mortgage Without An Appraisal

JUMBO HOME LOAN

Higher-Dollar Home Loans From A Trusted Mortgage Lender

BANK STATEMENT MORTGAGE

Home Mortgage For Business Owners & Self-Employed

How To Renovate Your House Before the Holidays

How To Renovate Your House Before the Holidays

Go back to: Mortgage News | Homepage

How To Renovate Your House Before the Holidays

How To Renovate Your House Before the Holidays

Everyone loves the holiday season.  It’s bright, festive, and a great excuse to get together with family and friends that you haven’t seen all year to celebrate.  It’s also a logistical nightmare.  You have people coming from out of town that have no place to stay, they show up uninvited, or just assumed you had a bed for them.  What are you supposed to do?  That’s why it’s important to make this the year that you renovate your house before the holidays, and with mortgage interest rates near all-time lows, there’s never been a better time.

Why do mortgage interest rates mean that you should pounce?  Well, it’s Cash-Out Refinance season!  The kids are back in school, vacations are over, and you’ll never find a better set of circumstances to get that work done. 

If you’ve always wanted to add a guest bedroom, finish the basement, or put in a gazebo to stand under in the snow, you can use the equity in your home to make it happen.  A Cash-Out Refinance lets you use the equity that you have paid, and that the market has given you in terms of rising home values, to build in a low-interest manner and make your home the place to celebrate the holidays.

So, look forward to the holidays this year!  Show off your new man cave, spare bedroom, or outdoor firepit and let your family and friends celebrate the season with you.  Don’t stress about where to put them, and just enjoy your time together this year.  Bring the family into your new dining room and celebrate the season together instead of standing around the kitchen with paper plates.

This is a real opportunity for you to remake your home and turn it into the gathering place that you always wanted it to be.

To start your holiday season out the right way, call the best mortgage lender in Texas, Arien Bowersock’s Texas Loan Experts Team in Austin at (512) 669-8306 or visit BowersockTeam.com to apply now. Texas Loan Experts has the lowest rates on Conventional, FHA, Mortgage Refinances, Jumbo Loans, Debt Consolidation Loans, Rate and Term Refinances, Cash Out Refinances, and HARP Loans. We are also the exclusive home for Hero.Loan VA Mortgages and The Bank Statement Mortgage. We will come to you to close your loan. Nobody gets lower mortgage rates on better loans than Texas Loan Experts.

Arien Bowersock

Arien Bowersock

I was born in Lubbock, TX and came to Austin in 1998 to attend the University of Texas. After graduating, I knew I didn’t want to leave Austin. On a whim, I took a job as a loan officer assistant and I haven’t looked back since! With over 15 years in this industry I know this market well. Not only do I help my clients with their mortgage, I assist with all other home buying needs. Whether it’s deciding on the best neighborhood, choosing a realtor, or giving my opinion on a paint color- I am here to help!
  • Close your loan in as little as 14-days
  • Day 1 Certainty simplifies the process
  • Customer service no one can match

How Can We Help You?

Texas Mortgage Lender





Texas Home Loans & Mortgages

HOME LOAN REFINANCE

Pay Off High Interest Debt and Cash-out Equity In Your Home

FHA HOME LOAN

Flexible Home Mortgage Guidelines With Attractive Rates

HARP HOME LOAN

Refinance Your Current Home Mortgage Without An Appraisal

JUMBO HOME LOAN

Higher-Dollar Home Loans From A Trusted Mortgage Lender

BANK STATEMENT MORTGAGE

Home Mortgage For Business Owners & Self-Employed

Renovate Your House Before the Holidays

Renovate Your House Before the Holidays

Go back to: Mortgage News | Homepage

Renovate Your House Before the Holidays

Renovate Your House Before the Holidays

Everyone loves the holiday season.  It’s bright, festive, and a great excuse to get together with family and friends that you haven’t seen all year to celebrate.  It’s also a logistical nightmare.  You have people coming from out of town that have no place to stay, they show up uninvited, or just assumed you had a bed for them.  What are you supposed to do?  That’s why it’s important to make this the year that you renovate your house before the holidays, and with mortgage interest rates near all-time lows, there’s never been a better time.

Why do mortgage interest rates mean that you should pounce?  Well, it’s Cash-Out Refinance season!  The kids are back in school, vacations are over, and you’ll never find a better set of circumstances to get that work done. 

If you’ve always wanted to add a guest bedroom, finish the basement, or put in a gazebo to stand under in the snow, you can use the equity in your home to make it happen.  A Cash-Out Refinance lets you use the equity that you have paid, and that the market has given you in terms of rising home values, to build in a low-interest manner and make your home the place to celebrate the holidays.

So, look forward to the holidays this year!  Show off your new man cave, spare bedroom, or outdoor firepit and let your family and friends celebrate the season with you.  Don’t stress about where to put them, and just enjoy your time together this year.  Bring the family into your new dining room and celebrate the season together instead of standing around the kitchen with paper plates.

This is a real opportunity for you to remake your home and turn it into the gathering place that you always wanted it to be.

To start your holiday season out the right way, call the best mortgage lender in Texas, John Schutze’s Texas Loan Experts Team in Austin at (512) 775-6820 or visit JohnSchutze.com to apply now. Texas Loan Experts has the lowest rates on Conventional, FHA, Mortgage Refinances, Jumbo Loans, Debt Consolidation Loans, Rate and Term Refinances, Cash Out Refinances, and HARP Loans. We are also the exclusive home for Hero.Loan VA Mortgages and The Bank Statement Mortgage. We will come to you to close your loan. Nobody gets lower mortgage rates on better loans than Texas Loan Experts.

John Schutze

John Schutze

John Schutze was born and raised in Austin, TX and graduated from Texas State University with a degree in finance. Beginning his career as a financial advisor, John has a unique perspective when it comes advising his clients on the best mortgage type for their financial plan. With almost 20yrs experience in the mortgage industry, John has helped over 1500 families purchase or refinance their home.

John Schutze

As one of the area’s top mortgage bankers for over 17 years, John Schutze considers his #1 goal to be providing a smooth and predictable mortgage experience for all involved. Named the 2017 Mortgage Professional of the Year by Austin Monthly, John has also been consistently selected for the Austin Business Journal Top Producer List.

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The John Schutze Team

CUSTOMER SERVICE
Our customer first approach to mortgages is what separates us from all of the other banks and mortgage companies. Our team will walk you through the process to ensure that your loan closes in a very timely manner. Our competition may think our philosophy on face-to-face customer service is excessive but our clients sure do appreciate it.

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Our team has set the standard in the mortgage industry. We hire only the best in the business. Our knowledge and experience is unmatched. We continue to train and study new mortgage loan programs to make us the best choice for mortgage refinancing and home purchases, debt consolidation, Conventional, FHA, HARP, VA, and Jumbo Loans available.

BETTER HOME LOANS WITH LOWER MORTGAGE RATES
We provide you with several different mortgage loan options to ensure that you find the mortgage loan program that best fits your needs. Because of the volume of mortgage loans our team closes and the great relationships we have forged within our industry, we’re able to offer the most competitive mortgage interest rates to our clients.

WE ARE MORTGAGE LENDERS, NOT MORTGAGE BROKERS
As a direct mortgage lender, our process has been streamlined from start to finish. Having the entire mortgage loan process contained under one roof allows us to quickly and efficiently close your loan. Our ability to use the newest mortgage loan products and underwrite our own files, allows us to approve loans that our competitors can’t.