Tappable Equity at All-Time High Today

Tappable Equity at All-Time High Today

Home values have risen sharply and tappable equity in your home is right now at an all-time high, according to Black Knight.  There are $6.3 TRILLION dollars available in mortgage equity for homeowners to refinance their mortgage with right now.

The total rose by $335 billion in the last quarter.  Tappable equity is the amount of equity in the home that a homeowner can borrow against before they run into the 80% loan-to-value limit that lenders use.  This record high is more than 26% over the old peak during the housing bubble of 2006.

According to Black Knight’s research, the average homeowner that has tappable equity is holding onto $140,000 that they can borrow against.  Over half have interest rates nearly a point higher than what’s available today, and have great credit, with scores at or over 760.

Tappable equity is a great thing to have in your home.  You can use that equity for all kinds of purposes.  Cash-Out Refinances are a great way to make your high-interest credit cards go away.  You can use that equity to make improvements to your home or much needed repairs. 

When mortgage rates drop like they have been, it gives homeowners options that they may not have had before.  It allows home buyers to make bigger offers on houses, driving up the price.  The best part for homeowners there is that it raises the price for “comparables”.  These are houses near you that compare to your house.  This has the awesome effect of raising the value of your home by comparison, since that value is seen against the comparable homes around you.

All this does is give you MORE equity to work with, putting you further away from that 80% LTV mark that you want to avoid and giving you more money in a cash out refinance.

Whether you want to buy or refinance, low interest rates make it easier to do, and these rates look like they will stay low through the end of the year and into the first quarter of next year.  That doesn’t mean it’s time to wait though.  Lines will start forming as people see that this may be a historic opportunity to put real money in their pockets and get their loans locked.

You need to apply online with a strong mortgage lender that will get you locked quickly, before rates change or the market flips.  Using our 5-Minute Loan Application, you can get in the front of the line and move your loan through the queue quickly while uploading all of your documents securely and quickly.

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.

Tappable Equity at All-Time High Today

Tappable Equity at All-Time High Today

Home values have risen sharply and tappable equity in your home is right now at an all-time high, according to Black Knight.  There are $6.3 TRILLION dollars available in mortgage equity for homeowners to refinance their mortgage with right now.

The total rose by $335 billion in the last quarter.  Tappable equity is the amount of equity in the home that a homeowner can borrow against before they run into the 80% loan-to-value limit that lenders use.  This record high is more than 26% over the old peak during the housing bubble of 2006.

According to Black Knight’s research, the average homeowner that has tappable equity is holding onto $140,000 that they can borrow against.  Over half have interest rates nearly a point higher than what’s available today, and have great credit, with scores at or over 760.

Tappable equity is a great thing to have in your home.  You can use that equity for all kinds of purposes.  Cash-Out Refinances are a great way to make your high-interest credit cards go away.  You can use that equity to make improvements to your home or much needed repairs. 

When mortgage rates drop like they have been, it gives homeowners options that they may not have had before.  It allows home buyers to make bigger offers on houses, driving up the price.  The best part for homeowners there is that it raises the price for “comparables”.  These are houses near you that compare to your house.  This has the awesome effect of raising the value of your home by comparison, since that value is seen against the comparable homes around you.

All this does is give you MORE equity to work with, putting you further away from that 80% LTV mark that you want to avoid and giving you more money in a cash out refinance.

Whether you want to buy or refinance, low interest rates make it easier to do, and these rates look like they will stay low through the end of the year and into the first quarter of next year.  That doesn’t mean it’s time to wait though.  Lines will start forming as people see that this may be a historic opportunity to put real money in their pockets and get their loans locked.

You need to apply online with a strong mortgage lender that will get you locked quickly, before rates change or the market flips.  Using our 5-Minute Loan Application, you can get in the front of the line and move your loan through the queue quickly while uploading all of your documents securely and quickly.

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

Our Loan Checkup Service Gets Your Loan In Shape

Our Loan Checkup Service Gets Your Loan In Shape

Everything needs a checkup from time to time.  You have to go into the doctor for a health checkup.  Your car needs an inspection every couple of years.  Why should your loan be any different?  While these other checkups might end up with you having to cut salt out of your diet or buy a new carburetor, our new Loan Checkup program can SAVE you money!

Why would you need a loan checkup?  Because the market is HOT right now.  Mortgage interest rates are the lowest they have been in the last 3 years.  You can make a killing refinancing to today’s lower rates and save money every month.  You could also look at a Cash Out Refinance and take money out of your house to pay off high interest credit card bills, or shorten the term of your loan with a Rate and Term Refinance.

It’s time for a loan checkup, even if you refinanced or purchased as little as 6 months ago.  The market is changing quickly, and the smart buyers are getting on board now.

The best part of our loan checkup?  It’s free, and it will only take you 5 minutes to fill out the paperwork on our online forms.  We are excited to take a look at your current loan and want to help you take advantage of today’s lower rates and higher home values to save money, add value to your home, or shorten your loan commitment.

In fact, sometimes you can do all 3!

For your free loan checkup, 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

Our Loan Checkup Service Gets Your Loan In Shape

Our Loan Checkup Service Gets Your Loan In Shape

Go back to: Mortgage News | Homepage

Our Loan Checkup Service Gets Your Loan In Shape

Our Loan Checkup Service Gets Your Loan In Shape

Everything needs a checkup from time to time.  You have to go into the doctor for a health checkup.  Your car needs an inspection every couple of years.  Why should your loan be any different?  While these other checkups might end up with you having to cut salt out of your diet or buy a new carburetor, our new Loan Checkup program can SAVE you money!

Why would you need a loan checkup?  Because the market is HOT right now.  Mortgage interest rates are the lowest they have been in the last 3 years.  You can make a killing refinancing to today’s lower rates and save money every month.  You could also look at a Cash Out Refinance and take money out of your house to pay off high interest credit card bills, or shorten the term of your loan with a Rate and Term Refinance.

It’s time for a loan checkup, even if you refinanced or purchased as little as 6 months ago.  The market is changing quickly, and the smart buyers are getting on board now.

The best part of our loan checkup?  It’s free, and it will only take you 5 minutes to fill out the paperwork on our online forms.  We are excited to take a look at your current loan and want to help you take advantage of today’s lower rates and higher home values to save money, add value to your home, or shorten your loan commitment.

In fact, sometimes you can do all 3!

For your free loan checkup, 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 Teacher Appreciation Program

The Teacher Appreciation Program

Teachers are an underappreciated group, so we created the Teacher Appreciation Program, or TAP.  They are responsible for making sure that our children learn proper grammar, how to spell, and the history of our great nation.  How do we compensate them?  They end up having to buy supplies out of their own pockets to be able to properly teach the kids. 

We think that’s a real issue, so we decided to do something about it.  The new Teacher Appreciation Program is built from the ground up to offer something special to our educators.  For every loan that we close with a teacher, we will give that teacher a $500 Target gift card to buy the school supplies that they need to teach the youth of America.

We all have a great teacher story, because a teacher has affected our lives in some way.  We wanted to give back where we could to help them teach the next generation of students the right way.

So, if you are a teacher and you want to take advantage of the extremely low rates available right now, you should apply online with our easy 5-Minute Loan Approval.  That way, you can get back to grading papers and creating lesson plans and let us find the best possible loan for you.

If you know a teacher, please pass this on to them so that we can help them get a great loan and a bonus!  It’s like giving them 1000 apples!

Every loan program is eligible for this promotion, from FHA and Conventional to Cash Out and Hero Loans.  If you are a teacher, you are eligible for this program and we would love to work up options.

Take advantage of low rates today by refinancing or finally buying the dream home you’ve always wanted.  Or you could take a cash out refinance and put in a pool for summer break!

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 Teacher Appreciation Program

The Teacher Appreciation Program

Teachers are an underappreciated group, so we created the Teacher Appreciation Program, or TAP.  They are responsible for making sure that our children learn proper grammar, how to spell, and the history of our great nation.  How do we compensate them?  They end up having to buy supplies out of their own pockets to be able to properly teach the kids. 

We think that’s a real issue, so we decided to do something about it.  The new Teacher Appreciation Program is built from the ground up to offer something special to our educators.  For every loan that we close with a teacher, we will give that teacher a $500 Target gift card to buy the school supplies that they need to teach the youth of America.

We all have a great teacher story, because a teacher has affected our lives in some way.  We wanted to give back where we could to help them teach the next generation of students the right way.

So, if you are a teacher and you want to take advantage of the extremely low rates available right now, you should apply online with our easy 5-Minute Loan Approval.  That way, you can get back to grading papers and creating lesson plans and let us find the best possible loan for you.

If you know a teacher, please pass this on to them so that we can help them get a great loan and a bonus!  It’s like giving them 1000 apples!

Every loan program is eligible for this promotion, from FHA and Conventional to Cash Out and Hero Loans.  If you are a teacher, you are eligible for this program and we would love to work up options.

Take advantage of low rates today by refinancing or finally buying the dream home you’ve always wanted.  Or you could take a cash out refinance and put in a pool for summer break!

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

Mortgage Rates Near 3 Year Lows

Mortgage Rates Near 3 Year Lows

The latest data from Freddie Mac showed the average 30-year fixed mortgage rates dropping to 3.76 percent, with an average of 0.5 points.  A week ago, the rate was 3.81 percent, and a year ago, it was 4.54 percent.  The 15-year is even lower, slipping to 3.18 percent, where it was 3.81 percent last week and 4.54 percent last year.

This is massive news for all of the buyers out there looking right now.  People are saving thousands of dollars on their mortgages by buying new homes and refinancing their current homes.  With the rise in home values, refinances are a great option as well, with homeowners able to save money on their mortgages, take cash out, and get rid of those high-interest credit card payments.

Refinance activity has been brisk at our offices, with hundreds of homeowners trying to take advantage of these lowered rates.  If you bought your home last year or before, you can save hundreds of dollars a month just by refinancing to today’s rates.

A cash-out option is incredibly popular right now.  There’s a rush for these loans right now because people are recognizing that they can use the equity in their homes to pay off their credit cards or make home improvements.  Taking cash out is a great loan option that can help you pay bills and balance your budget, or improve your home.  If you want to put in a pool or a deck, a cash-out refinance right now is the best way to fund it.

You can also take advantage of low rates by shortening the length of your loan.  We offer loans for different lengths of time.  You’re not limited to a 15 or30-year loan anymore.  If a 26-year loan works better for your budget, it’s available.  You can save money on interest and not raise your payment by lowering the interest rate you’re paying.

There are a lot of ways to save with a mortgage refinance when rates are this low.  However, you can’t get refinanced without applying, and we have the fastest loan application in the business. The new 5-Minute Loan Approval app lets you upload, approve, and sign everything online, and lets us pre-approve you the day we talk to you.  No more walking into the office with stacks of paperwork.  Get it done online and save money today.

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 Rates Near 3 Year Lows

Mortgage Rates Near 3 Year Lows

The latest data from Freddie Mac showed the average 30-year fixed mortgage rates dropping to 3.76 percent, with an average of 0.5 points.  A week ago, the rate was 3.81 percent, and a year ago, it was 4.54 percent.  The 15-year is even lower, slipping to 3.18 percent, where it was 3.81 percent last week and 4.54 percent last year.

This is massive news for all of the buyers out there looking right now.  People are saving thousands of dollars on their mortgages by buying new homes and refinancing their current homes.  With the rise in home values, refinances are a great option as well, with homeowners able to save money on their mortgages, take cash out, and get rid of those high-interest credit card payments.

Refinance activity has been brisk at our offices, with hundreds of homeowners trying to take advantage of these lowered rates.  If you bought your home last year or before, you can save hundreds of dollars a month just by refinancing to today’s rates.

A cash-out option is incredibly popular right now.  There’s a rush for these loans right now because people are recognizing that they can use the equity in their homes to pay off their credit cards or make home improvements.  Taking cash out is a great loan option that can help you pay bills and balance your budget, or improve your home.  If you want to put in a pool or a deck, a cash-out refinance right now is the best way to fund it.

You can also take advantage of low rates by shortening the length of your loan.  We offer loans for different lengths of time.  You’re not limited to a 15 or30-year loan anymore.  If a 26-year loan works better for your budget, it’s available.  You can save money on interest and not raise your payment by lowering the interest rate you’re paying.

There are a lot of ways to save with a mortgage refinance when rates are this low.  However, you can’t get refinanced without applying, and we have the fastest loan application in the business. The new 5-Minute Loan Approval app lets you upload, approve, and sign everything online, and lets us pre-approve you the day we talk to you.  No more walking into the office with stacks of paperwork.  Get it done online and save money today.

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

Why Veterans Choose Hero.Loan For VA Loans

Why Veterans Choose Hero.Loan For VA Loans

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Why Veterans Choose Hero.Loan For VA Loans

Why Veterans Choose Hero.Loan For VA Loans

As Hero.Loan continues to grow, veterans, active service members and their families from all across the country are discovering why Hero.Loan is the best choice for their VA Loans.   Anyone who qualifies for a VA Loan through their military service should use Hero.Loan.

We Pay For Your Appraisal

Hero.Loan pays your appraisal cost as a thank you for your service.  You’ll never pay for a home appraisal with a VA Loan from Hero.Loan.

We Close In As Little As 14 Days

Nobody else in the industry does this.  We are delegated at the highest level for VA Loans, and that means we are making our own decisions on loans.  You don’t have to wait the 90 days and up that some lenders take.  You won’t lose your dream house waiting for another mortgage company to finally get your paperwork done.  We’ll get it done for you.

We Fill Out Your VA Paperwork For You

Many veterans are wary of the VA Loan because there is so much paperwork to fill out.  At Hero.Loan, we make that problem go away by filling out your Certificate of Eligibility paperwork for you.  Our professional staff has filled out hundreds of these documents and will make sure that your paperwork is completed quickly and thoroughly so you can get on to the business of buying your home!

VA Loans Have Zero Down Payment

That’s right, if you’re worried about making a big down payment on a home, you can take that money and put it back in the bank.  The VA Loan comes with no down payment requirement. 

You can watch the video below as well to learn more about the Hero Loan and how it can help any active or retired military members buy or refinance the home of their dreams.

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

Why Veterans Choose Hero.Loan For VA Loans

Why Veterans Choose Hero.Loan For VA Loans

Go back to: Mortgage News | Homepage

Why Veterans Choose Hero.Loan For VA Loans

Why Veterans Choose Hero.Loan For VA Loans

As Hero.Loan continues to grow, veterans, active service members and their families from all across the country are discovering why Hero.Loan is the best choice for their VA Loans.   Anyone who qualifies for a VA Loan through their military service should use Hero.Loan.

We Pay For Your Appraisal

Hero.Loan pays your appraisal cost as a thank you for your service.  You’ll never pay for a home appraisal with a VA Loan from Hero.Loan.

We Close In As Little As 14 Days

Nobody else in the industry does this.  We are delegated at the highest level for VA Loans, and that means we are making our own decisions on loans.  You don’t have to wait the 90 days and up that some lenders take.  You won’t lose your dream house waiting for another mortgage company to finally get your paperwork done.  We’ll get it done for you.

We Fill Out Your VA Paperwork For You

Many veterans are wary of the VA Loan because there is so much paperwork to fill out.  At Hero.Loan, we make that problem go away by filling out your Certificate of Eligibility paperwork for you.  Our professional staff has filled out hundreds of these documents and will make sure that your paperwork is completed quickly and thoroughly so you can get on to the business of buying your home!

VA Loans Have Zero Down Payment

That’s right, if you’re worried about making a big down payment on a home, you can take that money and put it back in the bank.  The VA Loan comes with no down payment requirement. 

You can watch the video below as well to learn more about the Hero Loan and how it can help any active or retired military members buy or refinance the home of their dreams.

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

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  • 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.