United Lending

Four Possible Reasons To Refinance

A mortgage is generally the largest debt most homeowners have to manage.  It's a good idea to give your personal real estate finance portfolio a check-up at least once a year. Since there are many reasons a ho ...

8 Questions Your Lender Should Answer About Mortgage Rates

Simply checking online for today's posted rate may not lead to your expected outcome due to the many factors that can cause each individual rate and closing cost scenario to fluctuate. We can preach communication ...

How Much Can I Afford?

How much mortgage money can I qualify to borrow? This is typically the number one question mortgage professionals are asked by new clients. Of critical importance when considering mortgage financing: There is sometimes a difference between what a client ***can*** borrow and what they ***should*** borrow. In other words, what makes for a comfortable long-term mortgage payment? The Quick Answer: If we're simply considering the financial math, lenders will calculate your Debt-to-I ... Read More...

Social Security Among Key Tax Changes in 2011

Social Security taxes have been reduced in 2011 by 2%. This means you can increase your 401K contribution by 2% and see NO reduction in your take-home pay!!! The Social Security tax withholding rate has decreased from 6.2 percent to 4.2 percent for all employees for 2011. This 2 percent tax reduction is applied to employee wages up to the Social Security wage base of $106,800. Any individual earning $106,800 or more in wages in 2011 will receive a benefit of $2,136. If there are two spouse ... Read More...


CFPB Revises HELOC, CHARM and Settlement Cost Booklets

In the January 10, 2014, Federal Register (79 FR 1836), the Bureau of Consumer Financial Protection (CFPB) published a Notice of Availability of the following revised consumer publ ...

Austin American Statesman Top Workplaces 2013

On Sunday, November 17, The Austin American-Statesman published “The Austin American-Statesman Top Workplaces” – a list of the best places to work in the Greater Austin area ...


United Lending Recognized By Austin Business Journal for 2011, 2012, 2013

For the third year in a row United Lending LLC received recognition from the Austin Business Journal. We were ranked the #3 mortgage banker in the Aus ...

The U.S. Government: Your Mortgage Rate “Middle Man”

Most folks don’t know or understand the markups on mortgage loan that are related to the risk of the loan as perceived by mortgage giants, Fannie Mae and Freddie Mac.  It is imp ...


Check out our mtGharmony.com commercial!

Our very talented loan officers and some of our fantastic realtor partners helped create a commercial for the recent Platinum Top 50 Realtor event, Social Media Live.  Check it ou ...

Social Security Among Key Tax Changes in 2011

Social Security taxes have been reduced in 2011 by 2%. This means you can increase your 401K contribution by 2% and see NO reduction in your take-home pay!!! The Social Security ...