Home Values in Austin Soaring – Refinance Now

Home Values in Austin Soaring – Refinance Now

After watching the housing purchase market almost shut down completely back in April, people are itching to buy, and that is increasing the value of your home.  With home values in Austin soaring, it’s time to refinance now and save thousands.

States are loosening the social distancing requirements, and that’s leading to a rush of home buyers at open houses.  After the coronavirus pandemic forced many home sellers to pull their houses off of the market due to an inability to sell, it pushed an already meager selection of available homes to the breaking point.

New listings were dropping quickly, even seeing half as many new listings during the second week of April compared to 2019’s rates that same week.  With short supply and high demand, the houses that are available, and by extension, your home values in Austin, are rising in value rapidly.

Sellers still are not flying back in to the market, whether because they have changed their minds, or that they just don’t want strangers in their homes during a pandemic.

Buyers are also seeing those incredibly low mortgage interest rates and itching to get out off their current homes, whether they rent or own.  Being cooped up in your own place for months on end tends to highlight its flaws, after all.

With interest rates at all-time lows, and home values soaring, it’s time for a mortgage refinance.

Homeowners can refinance to a lower mortgage interest rate to lower their monthly payment, or take out cash from their home, or shorten the length of their mortgage commitment. 

Lowering the monthly payment lets you spend your hard-earned money on other things every month.  Saving hundreds of dollars off of your mortgage every month can be turned into car payments, or college payments, or you can buy a boat, or a vacation home.

Taking out cash from the home is a great way to pay off credit cards or other high-interest debt that is draining your bank accounts every month, or to perform repairs or upgrades to your house.

Shortening the duration of your mortgage allows you to own your home more quickly, and save thousands of dollars over the course of your mortgage.

Plus, after every mortgage refinance, you don’t have to make a mortgage payment for two whole months! That’s a great way to put these rising home values in Austin to work for you!

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

Home Values in Texas Soaring – Refinance Now

Home Values in Texas Soaring – Refinance Now

After watching the housing purchase market almost shut down completely back in April, people are itching to buy, and that is increasing the value of your home.  With home values in Texas soaring, it’s time to refinance now and save thousands.

States are loosening the social distancing requirements, and that’s leading to a rush of home buyers at open houses.  After the coronavirus pandemic forced many home sellers to pull their houses off of the market due to an inability to sell, it pushed an already meager selection of available homes to the breaking point.

New listings were dropping quickly, even seeing half as many new listings during the second week of April compared to 2019’s rates that same week.  With short supply and high demand, the houses that are available, and by extension, your home values in Texas, are rising in value rapidly.

Sellers still are not flying back in to the market, whether because they have changed their minds, or that they just don’t want strangers in their homes during a pandemic.

Buyers are also seeing those incredibly low mortgage interest rates and itching to get out off their current homes, whether they rent or own.  Being cooped up in your own place for months on end tends to highlight its flaws, after all.

With interest rates at all-time lows, and home values soaring, it’s time for a mortgage refinance.

Homeowners can refinance to a lower mortgage interest rate to lower their monthly payment, or take out cash from their home, or shorten the length of their mortgage commitment. 

Lowering the monthly payment lets you spend your hard-earned money on other things every month.  Saving hundreds of dollars off of your mortgage every month can be turned into car payments, or college payments, or you can buy a boat, or a vacation home.

Taking out cash from the home is a great way to pay off credit cards or other high-interest debt that is draining your bank accounts every month, or to perform repairs or upgrades to your house.

Shortening the duration of your mortgage allows you to own your home more quickly, and save thousands of dollars over the course of your mortgage.

Plus, after every mortgage refinance, you don’t have to make a mortgage payment for two whole months! That’s a great way to put these rising home values in Texas to work for you!

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.

Lower Mortgage Interest Rate in Texas With a Higher Credit Score

Lower Mortgage Interest Rate in Texas With a Higher Credit Score

Go back to: Mortgage News | Homepage

Lower Mortgage Interest Rate in Texas With a Higher Credit Score

Lower Mortgage Interest Rate in Texas With a Higher Credit Score

Having a lower mortgage interest rate in Texas helps with every part of your life.  When you’re paying less money every month for your home, you have more money to spend on other things, or you can afford to buy a bigger home or spread the payments over fewer months. 

The best way to get yourself a lower mortgage interest rate in Texas is to raise your credit score.  Your credit score is the basic building block of how mortgage companies build your rate, and helps inform us on what kind of a risk you are to lend money to.

Raising your credit score isn’t something that happens overnight, though.  It takes real work to get that lower mortgage interest rate in Texas, but it’s worth it.  Even lowering your interest rate a half-point can make a huge difference in what you pay each month, and over the course of your loan.  Just as an example, the difference between 3.5% and 4% on a $200,000 loan will save you $20,427 over the course of a 30-year mortgage.

Before you get deep into mortgage shopping, it’s a good move to check your credit score in order to know what you’re working with.  You can check in with the three major credit reporting agencies (Equifax, TransUnion, and Experian) and pull your credit.  You can then start to work on issues that have popped up on your report and fix them before you apply for your mortgage.

What Credit Score Should You Shoot For

The FICO (Fair Isaac Corp.) score is the best barometer for your credit score.  It gives you a grade from 300-850, with the higher scores showing that you are a worthy risk for lenders to take.  If the score is over 800, that’s an exceptional score and you should qualify for the lowest rates around.  In the 740 to 799 range is very good, from 670 to 739 is considered good, 580 to 669 is fair, and anything below that is poor.

Every lender will determine their own credit score limit, but even a few points can make the difference between being approved or not or getting a lower mortgage interest rate.  You can save on your monthly payments just by fixing your credit!

Can I get a mortgage with a low credit score?

Sure, you can, but you’re going to pay a much higher interest rate than you would if you waited until you got your score to a higher threshold.  You’ll pay more in interest, and have higher monthly payments.  It’s also possible that you may have issues with borrowing in other areas, like getting a new car or credit card if you have lower credit.

Different loan types also have different credit requirements.

Conventional loans: You can get a conventional loan with a mortgage interest rate as low as 620, but there will be higher other requirements, including higher income and lower debt-to-income ratios.

FHA loans: The Federal Housing Administration will guarantee loans to borrowers with lower credit. You can qualify for an FHA loan with a credit score of 500 to 579 with a 10 percent down payment. Borrowers with a score of 580 or higher must put down at least 3.5 percent.

VA loans: The U.S. Department of Veterans Affairs backs VA loans. They are offered to active and veteran military personnel and their families, and are supplied by the Hero.Loan program. While the government does not have a minimum credit score to qualify for a VA loan, many lenders require a minimum score of 620.

Tips to boost your credit score

If you want to boost your credit score to get that lower mortgage interest rate, you have ways to do it.  Don’t settle for the higher rates that you’re currently being offered, work on these steps:

  • Correct any errors on you r credit report. Once you have requested your credit score, check it over very carefully.  Remember, you can get a free copy once a year from each of the three major agencies: Experian, Equifax and TransUnion.  If they have inaccurate or missing information, contact the agency and file disputes with them and the creditor.  Make sure to provide proof, including supporting documentation if available.
  • Reduce your credit card debt and other bad debt. The amount of debt that you have compared to the credit you have available is called your credit utilization ratio.  To figure your out, divide your total amount of debt into your available credit.  If you have $5,000 in debt and $10,000 in credit, your credit utilization ratio is is 50 percent.  You want that ratio to be down around 35 percent or lower
  • Pay your bills on time. Payment history is 35 percent of your credit score. Late payments stay on your credit report for seven years, but their impact on your score diminishes over time.  They are basically drags on your credit that will continue hurting you as long as they are there.  Make your payments, or make arrangements to, and you’ll see that rate increase.
  • Keep your current credit open. You might think that getting rid of your closed credit cards is a good idea, but that will lower your credit utilization ratio, so keep them open where you can. However…
  • Don’t add any credit or new loans. Keep your debt lower and you’ll see your credit score increase, as well as lower your monthly bills. 

Bottom line

These fixes won’t improve your credit score overnight, but they are well worth the time to make sure that you can get a higher credit score and a lower mortgage interest rate on your loan.  Discipline and saving will help you buy a house with the lowest interest rate available and save you money.

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

Lower Mortgage Interest Rate With a Higher Credit Score in Austin

Lower Mortgage Interest Rate in Austin With a Higher Credit Score

Go back to: Mortgage News | Homepage

Lower Mortgage Interest Rate With a Higher Credit Score in Austin

Lower Mortgage Interest Rate in Austin With a Higher Credit Score

Having a lower mortgage interest rate in Austin helps with every part of your life.  When you’re paying less money every month for your home, you have more money to spend on other things, or you can afford to buy a bigger home or spread the payments over fewer months. 

The best way to get yourself a lower mortgage interest rate in Austin is to raise your credit score.  Your credit score is the basic building block of how mortgage companies build your rate, and helps inform us on what kind of a risk you are to lend money to.

Raising your credit score isn’t something that happens overnight, though.  It takes real work to get that lower mortgage interest rate in Austin, but it’s worth it.  Even lowering your interest rate a half-point can make a huge difference in what you pay each month, and over the course of your loan.  Just as an example, the difference between 3.5% and 4% on a $200,000 loan will save you $20,427 over the course of a 30-year mortgage.

Before you get deep into mortgage shopping, it’s a good move to check your credit score in order to know what you’re working with.  You can check in with the three major credit reporting agencies (Equifax, TransUnion, and Experian) and pull your credit.  You can then start to work on issues that have popped up on your report and fix them before you apply for your mortgage.

What Credit Score Should You Shoot For

The FICO (Fair Isaac Corp.) score is the best barometer for your credit score.  It gives you a grade from 300-850, with the higher scores showing that you are a worthy risk for lenders to take.  If the score is over 800, that’s an exceptional score and you should qualify for the lowest rates around.  In the 740 to 799 range is very good, from 670 to 739 is considered good, 580 to 669 is fair, and anything below that is poor.

Every lender will determine their own credit score limit, but even a few points can make the difference between being approved or not or getting a lower mortgage interest rate.  You can save on your monthly payments just by fixing your credit!

Can I get a mortgage with a low credit score?

Sure, you can, but you’re going to pay a much higher interest rate than you would if you waited until you got your score to a higher threshold.  You’ll pay more in interest, and have higher monthly payments.  It’s also possible that you may have issues with borrowing in other areas, like getting a new car or credit card if you have lower credit.

Different loan types also have different credit requirements.

Conventional loans: You can get a conventional loan with a mortgage interest rate as low as 620, but there will be higher other requirements, including higher income and lower debt-to-income ratios.

FHA loans: The Federal Housing Administration will guarantee loans to borrowers with lower credit. You can qualify for an FHA loan with a credit score of 500 to 579 with a 10 percent down payment. Borrowers with a score of 580 or higher must put down at least 3.5 percent.

VA loans: The U.S. Department of Veterans Affairs backs VA loans. They are offered to active and veteran military personnel and their families, and are supplied by the Hero.Loan program. While the government does not have a minimum credit score to qualify for a VA loan, many lenders require a minimum score of 620.

Tips to boost your credit score

If you want to boost your credit score to get that lower mortgage interest rate, you have ways to do it.  Don’t settle for the higher rates that you’re currently being offered, work on these steps:

  • Correct any errors on you r credit report. Once you have requested your credit score, check it over very carefully.  Remember, you can get a free copy once a year from each of the three major agencies: Experian, Equifax and TransUnion.  If they have inaccurate or missing information, contact the agency and file disputes with them and the creditor.  Make sure to provide proof, including supporting documentation if available.
  • Reduce your credit card debt and other bad debt. The amount of debt that you have compared to the credit you have available is called your credit utilization ratio.  To figure your out, divide your total amount of debt into your available credit.  If you have $5,000 in debt and $10,000 in credit, your credit utilization ratio is is 50 percent.  You want that ratio to be down around 35 percent or lower
  • Pay your bills on time. Payment history is 35 percent of your credit score. Late payments stay on your credit report for seven years, but their impact on your score diminishes over time.  They are basically drags on your credit that will continue hurting you as long as they are there.  Make your payments, or make arrangements to, and you’ll see that rate increase.
  • Keep your current credit open. You might think that getting rid of your closed credit cards is a good idea, but that will lower your credit utilization ratio, so keep them open where you can. However…
  • Don’t add any credit or new loans. Keep your debt lower and you’ll see your credit score increase, as well as lower your monthly bills. 

Bottom line

These fixes won’t improve your credit score overnight, but they are well worth the time to make sure that you can get a higher credit score and a lower mortgage interest rate on your loan.  Discipline and saving will help you buy a house with the lowest interest rate available and save you money.

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.

Buying a Home in Austin Means Getting Pre-Approved Right Now

Buying a Home in Austin Means Getting Pre-Approved Right Now

Go back to: Mortgage News | Homepage

Buying a Home in Austin Means Getting Pre-Approved Right Now

Buying a Home in Austin Means Getting Pre-Approved Right Now

Buying a home in Austin this summer means that you are going to be fighting against tons of other borrowers.  In fact, the housing market seems like it may be even tighter than ever, with homeowners pulling their homes off the market during the pandemic. 

Without the benefit of open houses and viewings, it only makes sense that these homes leave the market – it’s hard to sell a house that the borrower may not be able to see.

Buying a Home in Austin This Summer?  Get Pre-Approved Now!

However, with many states beginning the process of opening their economies and businesses, the realty business should be back in force as well.

Buyers should be ready to compete with others for every house on the market, and the best way to buy a new house is to get a mortgage pre-approval.  Lucky for home shoppers, the 5 Minute Loan Approval is available right now.

House shoppers can get a mortgage pre-approval the very day they call in or apply now.  This helps with shopping and budgeting, and lets borrowers know how much home they can afford when house hunting.

Buying a home in Austin this year is going to require a lot of preparation and work

It also will allow them to make an offer that has money behind it.  Many potential homeowners have lost out on the house that they wanted because another buyer had a pre-approval in hand when they made an offer and didn’t have to wait.

Buying a home in Austin this year is going to require a lot of preparation and work, but owning a home is the American dream, and it is worth it.  Home ownership is the path to financial freedom and wealth building and isn’t something that should be put off.

With interest rates remaining near all-time lows, it makes all the sense in the world to buy a home this year before they swing back up.

Don’t let this chance to buy a home in Austin this year pass you by.  Get pre-approved for your mortgage and be prepared to fight for the home of your dreams this year.  Remember, a mortgage pre-approval will last 30-60 days depending on your circumstances, so there is no reason to wait.

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

Buying a Home in Texas Means Getting Pre-Approved Right Now

Buying a Home in Texas Means Getting Pre-Approved Right Now

Go back to: Mortgage News | Homepage

Buying a Home in Texas Means Getting Pre-Approved Right Now

Buying a Home in Texas Means Getting Pre-Approved Right Now

Buying a home in Texas this summer means that you are going to be fighting against tons of other borrowers.  In fact, the housing market seems like it may be even tighter than ever, with homeowners pulling their homes off the market during the pandemic. 

Without the benefit of open houses and viewings, it only makes sense that these homes leave the market – it’s hard to sell a house that the borrower may not be able to see.

Buying a Home in Texas This Summer?  Get Pre-Approved Today!

However, with many states beginning the process of opening their economies and businesses, the realty business should be back in force as well.

Buyers should be ready to compete with others for every house on the market, and the best way to buy a new house is to get a mortgage pre-approval.  Lucky for home shoppers, the 5 Minute Loan Approval is available right now.

House shoppers can get a mortgage pre-approval the very day they call in or apply now.  This helps with shopping and budgeting, and lets borrowers know how much home they can afford when house hunting.

It also will allow them to make an offer that has money behind it.  Many potential homeowners have lost out on the house that they wanted because another buyer had a pre-approval in hand when they made an offer and didn’t have to wait.

Buying a home in Texas this year is going to require a lot of preparation and work, but owning a home is the American dream, and it is worth it.  Home ownership is the path to financial freedom and wealth building and isn’t something that should be put off.

With interest rates remaining near all-time lows, it makes all the sense in the world to buy a home in Texas this year before they swing back up.

Don’t let this chance to buy a home this year pass you by.  Get pre-approved for your mortgage and be prepared to fight for the home of your dreams this year.  Remember, a mortgage pre-approval will last 30-60 days depending on your circumstances, so there is no reason to wait.

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.

Austin Mortgage Refinancing From Home

Austin Mortgage Refinancing From Home

The global pandemic is keeping people in their homes, but it’s not keeping people from mortgage refinancing in Austin.  That’s because mortgages can be done digitally, with little to no face-to-face contact. 

During times like this, and times when there are not pandemics, there needs to be an alternative to the traditional way of doing mortgages, and we offer a mortgage refinancing option in Austin that allows borrowers to complete each step, from start to finish, without ever leaving the comfort of their home.

Our 5 Minute Loan Approval program has allowed us to continue closing loans at the same speed that we have been known for.  Even though we are all working remotely, it hasn’t stopped our production, as loans continue to close in record time.

Many mortgage companies are adding conditions to their loan programs, slowing down the process even further.  We have gone in the opposite direction.

Mortgage refinancing in Austin has never been easier. 

Whether you are looking to get cash out to pay off credit cards, shorten the term of your loan, lower your monthly payment, or any other reason, now is the time to do it.

With Americans spending hours online every day looking for COVID-19 news, homeowners can spare five minutes to find out what their options are.

Mortgage refinancing in Austin can be used to add on to your home or make needed repairs as well.  If you’ve always wanted a deck or a pool, a cash-out refinance can get it done. 

With mortgage rates near all-time lows, if you bought your home years ago, you can save thousands of dollars over the course of your loan using our mortgage refinancing programs.

Borrowers who are paying PMI (Private Mortgage Insurance) can also benefit by refinancing to a conventional loan if they have already built 20% equity in their home.  Eliminating the PMI payments from your loan is a major benefit of many refinances.

Another HUGE benefit of mortgage refinancing with our team is that borrowers can skip two full months of mortgage payments after completing the process.  What could you do with two months off from making your mortgage payment?

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.

Mortgage Refinancing From Home Austin

Mortgage Refinancing From Home Austin

The global pandemic is keeping people in their homes, but it’s not keeping people from mortgage refinancing in Austin.  That’s because mortgages can be done digitally, with little to no face-to-face contact. 

During times like this, and times when there are not pandemics, there needs to be an alternative to the traditional way of doing mortgages, and we offer a mortgage refinancing option in Austin that allows borrowers to complete each step, from start to finish, without ever leaving the comfort of their home.

Our 5 Minute Loan Approval program has allowed us to continue closing loans at the same speed that we have been known for.  Even though we are all working remotely, it hasn’t stopped our production, as loans continue to close in record time.

Many mortgage companies are adding conditions to their loan programs, slowing down the process even further.  We have gone in the opposite direction.

Mortgage refinancing in Austin has never been easier. 

Whether you are looking to get cash out to pay off credit cards, shorten the term of your loan, lower your monthly payment, or any other reason, now is the time to do it.

With Americans spending hours online every day looking for COVID-19 news, homeowners can spare five minutes to find out what their options are.

Mortgage refinancing in Austin can be used to add on to your home or make needed repairs as well.  If you’ve always wanted a deck or a pool, a cash-out refinance can get it done. 

With mortgage rates near all-time lows, if you bought your home years ago, you can save thousands of dollars over the course of your loan using our mortgage refinancing programs.

Borrowers who are paying PMI (Private Mortgage Insurance) can also benefit by refinancing to a conventional loan if they have already built 20% equity in their home.  Eliminating the PMI payments from your loan is a major benefit of many refinances.

Another HUGE benefit of mortgage refinancing with our team is that borrowers can skip two full months of mortgage payments after completing the process.  What could you do with two months off from making your mortgage payment?

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 an Austin Mortgage Pre-Approval – Right at Home

Get an Austin Mortgage Pre-Approval – Right at Home

Go back to: Mortgage News | Homepage

Get an Austin Mortgage Pre-Approval – Right at Home

Get an Austin Mortgage Pre-Approval – Right at Home

An Austin mortgage pre-approval is a quick process that lets borrowers know how much they are qualified to borrow in a loan.  It’s setting up the budget for house shopping. It also lets borrowers make a legitimate offer on a house as soon as they want to.

Getting pre-approved for your Austin mortgage is the most important step that home buyers will take in a crowded market.  No other step prepares you as much for the purchase, and nothing else puts shoppers ahead of the game like a mortgage pre-approval. 

Making an offer on a house without an Austin mortgage pre-approval is an empty gesture and can cost home shoppers opportunities at buying the home of their dreams.

If another buyer already has a mortgage pre-approval, they will have the upper hand on any bid that you put in and will be favored by the seller.

With an Austin mortgage market expected to be one of the tightest in ages, home buyers need every advantage that they can get to own their home.  With COVID-19 ravaging areas where people are living closely together it’s about time for renters to buy a home and get away from their neighbors.

With so many buyers and so few sellers in Austin, the market will be packed.  Open houses, when you can go to them, will be crowded with other buyers.  A mortgage pre-approval for a home purchase will last a borrower for 30 to 60 days depending on their circumstances, so borrowers can be assured that they will be able to shop in the future with confidence.

Buying a home is the American dream.  It’s time for everyone to start building wealth and own a home, and the best way to get started is with an Austin mortgage pre-approval.

Don’t let this opportunity to buy a home at the lowest interest rates in history pass by, apply online for the five-minute loan approval today and get pre-approved the same day you apply.

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 a Mortgage Pre-Approval in Austin – Right at Home

Get a Mortgage Pre-Approval in Austin – Right at Home

Go back to: Mortgage News | Homepage

Get a Mortgage Pre-Approval in Austin – Right at Home

Get a Mortgage Pre-Approval in Austin – Right at Home

An Austin mortgage pre-approval is a quick process that lets borrowers know how much they are qualified to borrow in a loan.  It’s setting up the budget for house shopping. It also lets borrowers make a legitimate offer on a house as soon as they want to.

Getting pre-approved for your Austin mortgage is the most important step that home buyers will take in a crowded market.  No other step prepares you as much for the purchase, and nothing else puts shoppers ahead of the game like a mortgage pre-approval. 

Making an offer on a house without an Austin mortgage pre-approval is an empty gesture and can cost home shoppers opportunities at buying the home of their dreams.

If another buyer already has a mortgage pre-approval, they will have the upper hand on any bid that you put in and will be favored by the seller.

With an Austin mortgage market expected to be one of the tightest in ages, home buyers need every advantage that they can get to own their home.  With COVID-19 ravaging areas where people are living closely together it’s about time for renters to buy a home and get away from their neighbors.

With so many buyers and so few sellers in Austin, the market will be packed.  Open houses, when you can go to them, will be crowded with other buyers.  A mortgage pre-approval for a home purchase will last a borrower for 30 to 60 days depending on their circumstances, so borrowers can be assured that they will be able to shop in the future with confidence.

Buying a home is the American dream.  It’s time for everyone to start building wealth and own a home, and the best way to get started is with an Austin mortgage pre-approval.

Don’t let this opportunity to buy a home at the lowest interest rates in history pass by, apply online for the five-minute loan approval today and get pre-approved the same day you apply.

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