The Teacher Appreciation Program Loan

The Teacher Appreciation Program Loan

Teachers have one of the most important jobs imaginable, and also one of the toughest.  They work to help educate the youth of America with shrinking resources and have to do more with less every year.  Teachers are often forced to buy supplies for their classrooms out of their own pockets.  That’s where the idea for the Teacher Appreciation Program Loan came from.

The Teacher Appreciation Program Loan, or TAP loan, is one of our newest and most exciting products.  Any educator that closes a loan with us will get a $500 Target gift card to help them with those school supplies and help them teach the children with every available tool.

Helping teachers falls right in line with our other programs, including Hero.Loan for VA Loans, The Bank Statement Mortgage for the self-employed, and the First Responders Loan.  We want to help the people that help us, and the people that need loan programs built for them.

The TAP Loan helps us give back to the teachers that raised us.  This loan works on every loan type, including Conventional, FHA, VA, USDA, new construction, cash-out refinances, down payment assistance, and Bank Statement Mortgages.  We are a direct mortgage lender, and as such have low rates and fast closing times. 

Being able to give teachers a great rate, fast closing times, customer service that no one else can match, and a bonus to help students is a no-brainer. We are proud to work with educators to get them the best mortgage that works for them.

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.

Our Teacher Appreciation Program Loan

Our Teacher Appreciation Program Loan

Teachers have one of the most important jobs imaginable, and also one of the toughest.  They work to help educate the youth of America with shrinking resources and have to do more with less every year.  Teachers are often forced to buy supplies for their classrooms out of their own pockets.  That’s where the idea for the Teacher Appreciation Program Loan came from.

The Teacher Appreciation Program Loan, or TAP loan, is one of our newest and most exciting products.  Any educator that closes a loan with us will get a $500 Target gift card to help them with those school supplies and help them teach the children with every available tool.

Helping teachers falls right in line with our other programs, including Hero.Loan for VA Loans, The Bank Statement Mortgage for the self-employed, and the First Responders Loan.  We want to help the people that help us, and the people that need loan programs built for them.

The TAP Loan helps us give back to the teachers that raised us.  This loan works on every loan type, including Conventional, FHA, VA, USDA, new construction, cash-out refinances, down payment assistance, and Bank Statement Mortgages.  We are a direct mortgage lender, and as such have low rates and fast closing times. 

Being able to give teachers a great rate, fast closing times, customer service that no one else can match, and a bonus to help students is a no-brainer. We are proud to work with educators to get them the best mortgage that works for them.

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

Get Every Military Member a VA Loan This Year

Get Every Military Member a VA Loan This Year

With a new year come new challenges and opportunities.  This year, we want to get every military member, including veterans, active service members, and their families, a VA Loan. We want to help them buy the home of their dreams, or refinance to the best rate available this year.

With over 20 million veterans and 1.3 million active duty military members, there are a lot of people out there that have not taken advantage of the benefits of the VA Loan program.  That’s where Hero.Loan wants to step in.

The Hero.Loan program enhances that already impressive VA Loan program.  There are several huge advantages to getting a VA Loan through Hero.Loan. 

Free Appraisal

We will pay for the appraisal on every VA Loan.  This is a big savings for home purchasers, and lets us show our commitment to the men and women of the armed forces.

14 Day Closings

We can close your VA Loan in as little as 14 days.  Where other banks and mortgage companies will tell you that VA Loans are too hard to close, we are delegated at the highest level by the VA to make our own decisions on VA Loans, so we can process and close them more quickly than most other banks and mortgage companies.  This keeps military buyers from losing out on their dream home, and lets them use one of the best benefits of service.

Lower Rates

 VA Loans are typically a point lower than other loan programs.  This keeps monthly payments lower and allows veterans and active military members to buy more house for the same monthly payment.

No PMI

As VA Loans are backed by the government, there is no need to include PMI in the loan.  This is a savings that really adds up.

100% Financing

VA Loans have 100% financing, which means that borrowers can take out a loan with no money down, and can borrow up to the entire value of their home on a refinance.

The VA Loan is one of the best benefits of military service.  Don’t let any lender deny you the benefits that you have earned through your service. 

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

Get Every Military Member a VA Loan in 2020

Get Every Military Member a VA Loan in 2020

With a new year come new challenges and opportunities.  This year, we want to get every military member, including veterans, active service members, and their families, a VA Loan. We want to help them buy the home of their dreams, or refinance to the best rate available this year.

With over 20 million veterans and 1.3 million active duty military members, there are a lot of people out there that have not taken advantage of the benefits of the VA Loan program.  That’s where Hero.Loan wants to step in.

The Hero.Loan program enhances that already impressive VA Loan program.  There are several huge advantages to getting a VA Loan through Hero.Loan. 

Free Appraisal

We will pay for the appraisal on every VA Loan.  This is a big savings for home purchasers, and lets us show our commitment to the men and women of the armed forces.

14 Day Closings

We can close your VA Loan in as little as 14 days.  Where other banks and mortgage companies will tell you that VA Loans are too hard to close, we are delegated at the highest level by the VA to make our own decisions on VA Loans, so we can process and close them more quickly than most other banks and mortgage companies.  This keeps military buyers from losing out on their dream home, and lets them use one of the best benefits of service.

Lower Rates

 VA Loans are typically a point lower than other loan programs.  This keeps monthly payments lower and allows veterans and active military members to buy more house for the same monthly payment.

No PMI

As VA Loans are backed by the government, there is no need to include PMI in the loan.  This is a savings that really adds up.

100% Financing

VA Loans have 100% financing, which means that borrowers can take out a loan with no money down, and can borrow up to the entire value of their home on a refinance.

The VA Loan is one of the best benefits of military service.  Don’t let any lender deny you the benefits that you have earned through your service. 

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.

The New First Responders Loan

The First Responders Loan

After the massive success of our Teacher Appreciation Loan, we have decided to spotlight another group that deserves to be rewarded with the First Responders Loan!  These people do so much for our communities and don’t get nearly enough credit for their work, so we wanted to give something back.

The First Responders Loan offers 3 benefits to these heroes.

We will pay for all first responders’ appraisals.  Every one.  Just like our Hero Loan program where we pay for all of the appraisals for active servicemembers, veterans and their families that use the program. 

We also will donate to a first responder charity for every loan that closes with a first responder.  We want to make sure that first responders know that we are with them, and what better way to prove it than by donating to the charities that support them?

The third benefit is a free loan checkup.  We will take your current loan and help you determine how much you could save with a refinance.  This service has saved thousands of dollars for our borrowers over the years, and we are bringing it to first responders free of charge. 

First responders risk their lives to save people every day.  They deserve to have a safe place to come home to.  The First Responders Loan gives them an opportunity to buy a home or refinance to a better rate, save on costs, and help out their fellow first responders.

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

The First Responders Loan

The First Responders Loan

After the massive success of our Teacher Appreciation Loan, we have decided to spotlight another group that deserves to be rewarded with the First Responders Loan!  These people do so much for our communities and don’t get nearly enough credit for their work, so we wanted to give something back.

The First Responders Loan offers 3 benefits to these heroes.

We will pay for all first responders’ appraisals.  Every one.  Just like our Hero Loan program where we pay for all of the appraisals for active servicemembers, veterans and their families that use the program. 

We also will donate to a first responder charity for every loan that closes with a first responder.  We want to make sure that first responders know that we are with them, and what better way to prove it than by donating to the charities that support them?

The third benefit is a free loan checkup.  We will take your current loan and help you determine how much you could save with a refinance.  This service has saved thousands of dollars for our borrowers over the years, and we are bringing it to first responders free of charge. 

First responders risk their lives to save people every day.  They deserve to have a safe place to come home to.  The First Responders Loan gives them an opportunity to buy a home or refinance to a better rate, save on costs, and help out their fellow first responders.

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.

Pay Off Holiday Bills With a Cash-Out Refinance

Cash-Out Refinance – Pay Off Holiday Bills

 It’s that time of year again.  The holiday bills are starting to sink in and you are DREADING the credit card statements arriving in the mail.  It’s time to pay the bills for an extravagant holiday season and you’re stuck with a big one.  A Cash-Out Refinance is your way out.

A Cash-Out Refinance can help you get away from those high-interest credit card bills once and for all, and let you pay off the balance at a much lower rate.  A Cash-Out Refinance will consolidate your debts using the equity in your home. Thanks to home values being so high and interest rates so low, you can use this opportunity to get out from under the thumb of the credit card companies.

A Cash-Out Refinance works by taking the equity in your home and letting you borrow against it.  For example: if your home is worth $300,000 and you owe $150,000 still, you have $150,000 in equity, equaling 50% of the home’s full value. 

You want to try to keep 20% at least in the house after the refinance, so that leaves you with $90,000 that you can borrow.

You would then take out a loan for $240,000 (the $150,000 that you owe, plus the $90,000 you are borrowing) and get a $90,000 dollar check at the closing.

Since rates are low, this is a very effective way to clear up high-interest debt with lower payments.

Don’t let this opportunity pass you by!  It’s vital that you take this chance to get yourself back to zero on credit card debt, because interest rates are volatile and can change with the market.  Stop paying credit card companies this year and give yourself a raise with a Cash-Out 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

Cash-Out Refinance – Pay Off Holiday Bills

Cash-Out Refinance – Pay Off Holiday Bills

 It’s that time of year again.  The holiday bills are starting to sink in and you are DREADING the credit card statements arriving in the mail.  It’s time to pay the bills for an extravagant holiday season and you’re stuck with a big one.  A Cash-Out Refinance is your way out.

A Cash-Out Refinance can help you get away from those high-interest credit card bills once and for all, and let you pay off the balance at a much lower rate.  A Cash-Out Refinance will consolidate your debts using the equity in your home. Thanks to home values being so high and interest rates so low, you can use this opportunity to get out from under the thumb of the credit card companies.

A Cash-Out Refinance works by taking the equity in your home and letting you borrow against it.  For example: if your home is worth $300,000 and you owe $150,000 still, you have $150,000 in equity, equaling 50% of the home’s full value. 

You want to try to keep 20% at least in the house after the refinance, so that leaves you with $90,000 that you can borrow.

You would then take out a loan for $240,000 (the $150,000 that you owe, plus the $90,000 you are borrowing) and get a $90,000 dollar check at the closing.

Since rates are low, this is a very effective way to clear up high-interest debt with lower payments.

Don’t let this opportunity pass you by!  It’s vital that you take this chance to get yourself back to zero on credit card debt, because interest rates are volatile and can change with the market.  Stop paying credit card companies this year and give yourself a raise with a Cash-Out 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.

How to Get a Mortgage This Year

How to Get a Mortgage in 2020

 It’s that time of year again.  The holiday bills are starting to sink in and you are DREADING the credit card statements arriving in the mail.  It’s time to pay the bills for an extravagant holiday season and you’re stuck with a big one.  A Cash-Out Refinance is your way out.

A Cash-Out Refinance can help you get away from those high-interest credit card bills once and for all, and let you pay off the balance at a much lower rate.  A Cash-Out Refinance will consolidate your debts using the equity in your home. Thanks to home values being so high and interest rates so low, you can use this opportunity to get out from under the thumb of the credit card companies.

A Cash-Out Refinance works by taking the equity in your home and letting you borrow against it.  For example: if your home is worth $300,000 and you owe $150,000 still, you have $150,000 in equity, equaling 50% of the home’s full value. 

You want to try to keep 20% at least in the house after the refinance, so that leaves you with $90,000 that you can borrow.

You would then take out a loan for $240,000 (the $150,000 that you owe, plus the $90,000 you are borrowing) and get a $90,000 dollar check at the closing.

Since rates are low, this is a very effective way to clear up high-interest debt with lower payments.

Don’t let this opportunity pass you by!  It’s vital that you take this chance to get yourself back to zero on credit card debt, because interest rates are volatile and can change with the market.  Stop paying credit card companies this year and give yourself a raise with a Cash-Out 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

How to Get a Mortgage in 2020

How to Get a Mortgage in 2020

It’s the question everyone wants the answer to – how do I get a mortgage in 2020?  Well, luckily for everyone, it’s never been easier to get a refinance or mortgage for a new home purchase than it is right now.

Getting a mortgage has become a fairly rapid process in the last year, especially due to advances like our 5 Minute Loan Approval.  You can apply online, deliver docs online, and complete the process without ever talking to a person if that’s your choice.  Of course, we still offer our amazing customer service and will come to meet you wherever you choose to discuss your options!

However, mortgage rules still apply.  You still have to have good credit and a solid debt-to-income ratio.  You still have to be able to put some money down unless you are getting a VA or USDA loan.  We still have to go over your credit history to make sure that you can pay off the loan we’re giving you.

So if you want to get a mortgage loan in 2020, you’d better make sure that your credit score is high and your debt-to-income ratio is low.

Improving your credit score:

There isn’t a magic trick to improving your credit score, unfortunately.  The only way to do it is to work hard and pay your bills on time.  Missing and late payments on anything from your credit cards to utility bills just kill your credit score.  If you want to buy a house or refinance to today’s low rates, getting your credit score in order is the absolute best first step. 

You can order a credit report from the big 3 (Equifax, TransUnion and Experian) to check them and make sure that there aren’t any erroneous claims on your record.  Many people have found false or incorrect information in their credit reports that can lower their credit score and keep them from buying a home or car.

 Lowering Your Debt to Income Ratio:

This is just like it sounds.  Your debt-to-income ratio (DTI) is literally what you owe vs what you make.  If you have $2000 of bills due per month and make $6000, your debt-to-income ratio comes out to 33%.  Keeping this ratio under the magic number of 43% is the goal when it comes to mortgages.

The best way to do this is to pay off your outstanding debt.  If you are planning on buying a car, put it off until after the mortgage.  Pay off your credit cards.  Finish off your student loans.  Do anything you can to lower your DTI before applying and it will help you not only get the loan you are asking for, but to get you a lower interest rate when you do.

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.