Get Every Military Member a VA Loan This Year

Get Every Military Member a VA Loan This Year

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

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

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

Free Appraisal

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

14 Day Closings

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

Lower Rates

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

No PMI

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

100% Financing

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

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

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

Arien Bowersock

Arien Bowersock

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

How Can We Help You?

Texas Mortgage Lender





Texas Home Loans & Mortgages

HOME LOAN REFINANCE

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

FHA HOME LOAN

Flexible Home Mortgage Guidelines With Attractive Rates

HARP HOME LOAN

Refinance Your Current Home Mortgage Without An Appraisal

JUMBO HOME LOAN

Higher-Dollar Home Loans From A Trusted Mortgage Lender

BANK STATEMENT MORTGAGE

Home Mortgage For Business Owners & Self-Employed

Get Every Military Member a VA Loan in 2020

Get Every Military Member a VA Loan in 2020

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

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

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

Free Appraisal

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

14 Day Closings

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

Lower Rates

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

No PMI

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

100% Financing

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

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

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

John Schutze

John Schutze

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

John Schutze

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

The John Schutze Show

Recent Posts

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

How Can We Help You?

Texas Mortgage Lender

Texas Home Loan Pre Approval





Why Choose

The John Schutze Team

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

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

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

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

Remembering Veterans on Pearl Harbor’s Anniversary

Remembering Veterans on Pearl Harbor’s Anniversary

Go back to: Mortgage News | Homepage

Remembering Veterans on Pearl Harbor’s Anniversary

Remembering Veterans on Pearl Harbor’s Anniversary

December 7th, 1941 was the day that will live in infamy for Americans.  The Japanese launched a deadly sneak attack on Pearl Harbor, a Hawaiian port, attempting to pre-empt any American involvement in World War 2 and prevent the United Stated from fighting them over Asian conquests during that war.

At the time, the United States was following a policy of isolation, refusing to take part in Europe’s war.  However, the cowardly sneak attack by Japan on their former ally had the opposite effect on the American attitude, galvanizing the country to join the war effort against both the Japanese empire and their allies in the Axis, Germany and Italy.

The attack cost 2,403 service members’ lives and wounded 1,178 more.

We wanted to do something to help servicemembers, veterans and their families, and that’s why we launched Hero.Loan.  The Hero.Loan program is the VA Loan done right, with shorter closings (as little as 14 days), lower interest rates, and as a thank you for your service, we pay for your appraisals out of pocket.  We don’t roll it into the loan like most companies, we actually write a check for each appraisal.

The VA Loan is the best program for veterans, active service members, and their families.  It offers lower rates and 100% financing to qualified applicants, and has helped millions buy and refinance their homes since its creation in 1944 as part of the GI Bill of Rights.

Get pre-approved for your mortgage today by 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.

Remembering Veterans on Pearl Harbor’s Anniversary

Remembering Veterans on Pearl Harbor’s Anniversary

Go back to: Mortgage News | Homepage

Remembering Veterans on Pearl Harbor’s Anniversary

Remembering Veterans on Pearl Harbor’s Anniversary

December 7th, 1941 was the day that will live in infamy for Americans.  The Japanese launched a deadly sneak attack on Pearl Harbor, a Hawaiian port, attempting to pre-empt any American involvement in World War 2 and prevent the United Stated from fighting them over Asian conquests during that war.

At the time, the United States was following a policy of isolation, refusing to take part in Europe’s war.  However, the cowardly sneak attack by Japan on their former ally had the opposite effect on the American attitude, galvanizing the country to join the war effort against both the Japanese empire and their allies in the Axis, Germany and Italy.

The attack cost 2,403 service members’ lives and wounded 1,178 more.

We wanted to do something to help servicemembers, veterans and their families, and that’s why we launched Hero.Loan.  The Hero.Loan program is the VA Loan done right, with shorter closings (as little as 14 days), lower interest rates, and as a thank you for your service, we pay for your appraisals out of pocket.  We don’t roll it into the loan like most companies, we actually write a check for each appraisal.

The VA Loan is the best program for veterans, active service members, and their families.  It offers lower rates and 100% financing to qualified applicants, and has helped millions buy and refinance their homes since its creation in 1944 as part of the GI Bill of Rights.

Get pre-approved for your mortgage today by 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

No More Credit Card Debt For the Holidays

No More Credit Card Debt For the Holidays

The holidays are stressing people out this year, and not just because they can’t find this year’s Tickle Me Elmo.  They’re ready to get rid of credit card debt for the holidays.

When a poll was taken this year by Country Financial, about 70% of adults are stressing about money woes this holiday season.

A full half of the surveyed people responded that they wanted to have a debt (mortgage, student loans or credit cards) eliminated for the holidays, and only 19% wanted a vacation or some kind of large item.

This is harder than it seems though.  On average, people need $58,673 to get themselves completely out of debt, according to Country Financial.  This number grows every year as everything gets more expensive and salaries don’t grow apace.

The Federal Reserve reports that consumer debt has topped $4 trillion!

Much of this debt is due to credit cards.  These are by far the most convenient, but most expensive, way to borrow money.  The interest rates on credit cards are, on average, at 17.25%, according to CreditCards.com.  And this is compounding interest.  If you’re paying the minimums every month, you’ll be in debt until you die.  Credit card debt will quickly grow until you’re just trying to pay off things you bought years ago.

Even though most people shopping for the holidays are in debt, Experian says that their poll shows that they will spend an average of $1,679 this year on gifts, a 75% increase over last year.

So what’s the solution?  For homeowners, there’s a great way to solve the credit card problem.  A Cash Out Refinance lets you take value out of your home and use it to pay off your higher-interest loans.  It’s the best way to get out of credit card debt. 

With interest rates near all-time lows, and home values skyrocketing, there has never been a better time to get out of credit card debt with a cash out refinance.

When you’re ready to get rid of your credit card debt, 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 Rid of Credit Card Debt For the Holidays

Get Rid of Credit Card Debt For the Holidays

The holidays are stressing people out this year, and not just because they can’t find this year’s Tickle Me Elmo.  They’re ready to get rid of credit card debt for the holidays.

When a poll was taken this year by Country Financial, about 70% of adults are stressing about money woes this holiday season.

A full half of the surveyed people responded that they wanted to have a debt (mortgage, student loans or credit cards) eliminated for the holidays, and only 19% wanted a vacation or some kind of large item.

This is harder than it seems though.  On average, people need $58,673 to get themselves completely out of debt, according to Country Financial.  This number grows every year as everything gets more expensive and salaries don’t grow apace.

The Federal Reserve reports that consumer debt has topped $4 trillion!

Much of this debt is due to credit cards.  These are by far the most convenient, but most expensive, way to borrow money.  The interest rates on credit cards are, on average, at 17.25%, according to CreditCards.com.  And this is compounding interest.  If you’re paying the minimums every month, you’ll be in debt until you die.  Credit card debt will quickly grow until you’re just trying to pay off things you bought years ago.

Even though most people shopping for the holidays are in debt, Experian says that their poll shows that they will spend an average of $1,679 this year on gifts, a 75% increase over last year.

So what’s the solution?  For homeowners, there’s a great way to solve the credit card problem.  A Cash Out Refinance lets you take value out of your home and use it to pay off your higher-interest loans.  It’s the best way to get out of credit card debt. 

With interest rates near all-time lows, and home values skyrocketing, there has never been a better time to get out of credit card debt with a cash out refinance.

When you’re ready to get rid of your credit card debt, 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.

75 Years of VA Loans

75 Years of VA Loans

The United States has a long history with the VA Loan.  In 1944, Congress passed the Servicemen’s Readjustment Act, which was also known as the GI bill.  For the past 75 years, this landmark law has helped the brave men and women who served our country with everything from college educations to home loans.  In the 75 years of VA Loans:

  • The Veterans Administration has guaranteed almost 24 million home loans
  • This has let almost 82% of all VA Loans be set with no down payment
  • The VA has granted millions to help disabled Veterans to help them purchase, enhance, or build a home that will help meet their needs and live their lives in comfort and dignity. Last year alone the VA released 2,000 grants at $104 million dollars.

The VA Loan is the best possible loan for veterans, active service members, and their families.  The VA Loan has multiple benefits that other loans do not provide.  These benefits include:

  1. No down payment – There is no down payment requirement with a VA Loan.  You can move into your new house with no money down, or take out a 100% refinance loan from the home.  There are no equity requirements on this loan.
  2. No Private Mortgage Insurance – Private Mortgage Insurance, or PMI, is additional insurance added to your loan in order to mitigate the lender’s risk on a loan with less than 20% equity.  This lets the borrower get a loan with a smaller down payment, but adds extra money to your loan every month that doesn’t go towards paying off your loan.  The VA Loan program doesn’t have this stipulation, unlike other loan programs with smaller down payment requirements.
  3. Lower credit score requirements – VA Loans have less of a barrier to entry on your credit score as well.  Veterans, active service members, and their families don’t have to have perfect credit to get a VA Loan and all of the benefits that come with it.
  4. No cost appraisals – This one is a Hero.Loan exclusive.  We pay for every appraisal on VA Loans as a thank you to your service.
  5. 14 day closings – OK, this is another Hero.Loan exclusive.  Since we are delegated at the highest level for VA Loans, we make our own credit decisions.  This lets us close your VA Loan in as little as 14 days, and lets you use the benefits you’ve worked so hard for without missing out on the home of your dreams.

The VA Loan program has been a huge success for veterans, active service members, and their families.  With millions of borrowers able to buy homes thanks to the program, it’s one of the best benefits of a military career.

If you are a veteran, active servicemember or their family, 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.

75 Years of the VA Loan Program

75 Years of the VA Loan Program

The United States has a long history with the VA Loan.  In 1944, Congress passed the Servicemen’s Readjustment Act, which was also known as the GI bill.  For the past 75 years, this landmark law has helped the brave men and women who served our country with everything from college educations to home loans.  In the 75 years of VA Loans:

  • The Veterans Administration has guaranteed almost 24 million home loans
  • This has let almost 82% of all VA Loans be set with no down payment
  • The VA has granted millions to help disabled Veterans to help them purchase, enhance, or build a home that will help meet their needs and live their lives in comfort and dignity. Last year alone the VA released 2,000 grants at $104 million dollars.

The VA Loan is the best possible loan for veterans, active service members, and their families.  The VA Loan has multiple benefits that other loans do not provide.  These benefits include:

  1. No down payment – There is no down payment requirement with a VA Loan.  You can move into your new house with no money down, or take out a 100% refinance loan from the home.  There are no equity requirements on this loan.
  2. No Private Mortgage Insurance – Private Mortgage Insurance, or PMI, is additional insurance added to your loan in order to mitigate the lender’s risk on a loan with less than 20% equity.  This lets the borrower get a loan with a smaller down payment, but adds extra money to your loan every month that doesn’t go towards paying off your loan.  The VA Loan program doesn’t have this stipulation, unlike other loan programs with smaller down payment requirements.
  3. Lower credit score requirements – VA Loans have less of a barrier to entry on your credit score as well.  Veterans, active service members, and their families don’t have to have perfect credit to get a VA Loan and all of the benefits that come with it.
  4. No cost appraisals – This one is a Hero.Loan exclusive.  We pay for every appraisal on VA Loans as a thank you to your service.
  5. 14 day closings – OK, this is another Hero.Loan exclusive.  Since we are delegated at the highest level for VA Loans, we make our own credit decisions.  This lets us close your VA Loan in as little as 14 days, and lets you use the benefits you’ve worked so hard for without missing out on the home of your dreams.

The VA Loan program has been a huge success for veterans, active service members, and their families.  With millions of borrowers able to buy homes thanks to the program, it’s one of the best benefits of a military career.

If you are a veteran, active servicemember or their family, 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

VA Loan Facts From Hero.Loan

VA Loan Facts From Hero.Loan

The VA Loan program is the best mortgage available for veterans, active servicemembers and their families.  They have great features and offer more advantages than almost any type of loan.  It’s a great thank you for military service.  No matter what any lender tells you, the VA Loan is always going to be the best loan you can get if you are eligible, and here are some reasons why.

No down payment

The show-stopper.  Buying a home up to $417,000 with no down payment is an enormous advantage over conventional and FHA loans that require anywhere from 3.5% to 20% down payments.  This is a huge benefit to buying a home and has led many people who never thought they would be able to buy a home to move into their dream home. 

Do the math.  If you wanted to buy a $200,000 home with a conventional mortgage, you’re looking at a $40,000 down payment to get to 20%.  Anything less than that and you’re paying PMI, or Private Mortgage Insurance.  An FHA Loan requiring 3.5% down is still $7,000 on that house.  Saving up that much cash is hard for anyone, and making the process easier for people who are in and out of the country makes so much sense.

This benefit really helps veterans get into their home without having to scratch and claw to save up that giant down payment.

Government guaranty

The federal government isn’t ACTUALLY in the habit of giving out mortgages – that’s our job.  What the VA Loan program does is guarantee the mortgage to private VA-approved mortgage companies and banks like us.  This is a promise on the part of the VA to repay the loan if the borrower defaults.  It helps the lender have more confidence in lending the money and allows them to give credit without the down payment that normally mitigates the risk.

This opens the program up to more and more borrowers that may never have had the opportunity to own a home. 

No private mortgage insurance

Remember when we mentioned PMI?  That doesn’t come with a VA Loan the same way it would with any other loan where you have less than 20% equity.  If you have an FHA or Conventional Loan plan that required less than a 20% down payment, you are going to be on the hook for that PMI payment every month to guarantee the loan. 

VA Loans don’t require this for anything, even 100% financing.  According to the VA, this has saved vets billions of dollars over the course of their loans.

It’s not a one-time benefit

Many veterans have been misled that this is a one-time benefit.  It’s not.  Once you are VA-eligible, you are for life.  You don’t have to completely repay your loan to use the VA Loan again, but it does depend on how much of your VA entitlement is still available to you.

No appraisal fee

Hero.Loan also has its own benefits.  You will never pay for an appraisal fee with Hero.Loan, and it’s not rolled into the price of your loan either.  We actually pay that out of our own pocket as a thank you for your service.

14 Day Closings

Since we are VA delegated, we are able to close VA Loans in as little as 14 days.  Most lenders will tell you that VA Loans are hard to close or can take up to 90 days.  That’s because they have to go through other approvals, while we make our own credit decisions and can speed through the process to make sure that you get your home.

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

Facts About VA Loans From Hero.Loan

Facts About VA Loans From Hero.Loan

The VA Loan program is the best mortgage available for veterans, active servicemembers and their families.  They have great features and offer more advantages than almost any type of loan.  It’s a great thank you for military service.  No matter what any lender tells you,  VA Loans are always going to be the best loan you can get if you are eligible, and here are some reasons why.

No down payment

The show-stopper.  Buying a home up to $417,000 with no down payment is an enormous advantage over conventional and FHA loans that require anywhere from 3.5% to 20% down payments.  This is a huge benefit to buying a home and has led many people who never thought they would be able to buy a home to move into their dream home. 

Do the math.  If you wanted to buy a $200,000 home with a conventional mortgage, you’re looking at a $40,000 down payment to get to 20%.  Anything less than that and you’re paying PMI, or Private Mortgage Insurance.  An FHA Loan requiring 3.5% down is still $7,000 on that house.  Saving up that much cash is hard for anyone, and making the process easier for people who are in and out of the country makes so much sense.

This VA Loans benefit really helps veterans get into their home without having to scratch and claw to save up that giant down payment.

Government guaranty

The federal government isn’t ACTUALLY in the habit of giving out mortgages – that’s our job.  What VA Loans do is guarantee the mortgage to private VA-approved mortgage companies and banks like us.  This is a promise on the part of the VA to repay the loan if the borrower defaults.  It helps the lender have more confidence in lending the money and allows them to give credit without the down payment that normally mitigates the risk.

This opens the program up to more and more borrowers that may never have had the opportunity to own a home. 

No private mortgage insurance

Remember when we mentioned PMI?  That doesn’t come with VA Loans the same way it would with any other loan where you have less than 20% equity.  If you have an FHA or Conventional Loan plan that required less than a 20% down payment, you are going to be on the hook for that PMI payment every month to guarantee the loan. 

VA Loans don’t require this for anything, even 100% financing.  According to the VA, this has saved vets billions of dollars over the course of their loans.

It’s not a one-time benefit

Many veterans have been misled that this is a one-time benefit.  It’s not.  Once you are VA-eligible, you are for life.  You don’t have to completely repay your loan to use the VA Loan again, but it does depend on how much of your VA entitlement is still available to you.

No appraisal fee

Hero.Loan also has its own benefits.  You will never pay for an appraisal fee with Hero.Loan, and it’s not rolled into the price of your loan either.  We actually pay that out of our own pocket as a thank you for your service.

14 Day Closings

Since we are VA delegated, we are able to close VA Loans in as little as 14 days.  Most lenders will tell you that VA Loans are hard to close or can take up to 90 days.  That’s because they have to go through other approvals, while we make our own credit decisions and can speed through the process to make sure that you get your home.

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.