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...


The Impact of Homeownership on Family Health

  The National Association of Realtors recently released a study titled 'Social Benefits of Homeownership and Stable Housing.’ The study confirmed a long-standing belief of most Americans: “Owning a home embodies the promise of individual autonomy and is the aspiration of most Ameri ...
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US Housing Market Is Moving into 'Buy Territory'!

According to the Beracha, Hardin & Johnson Buy vs. Rent (BH&J) Index, the U.S. housing market has continued to move deeper into buy territory, supporting the belief that housing markets across the country remain a sound investment. The BH&J Index is a quarterly report that attempts ...
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HUD Lowers Mortgage Insurance Premiums For Most FHA Loans

FHA Announcement According to the FHA, annual mortgage premiums will be lowered by 25 basis points, or a quarter of a percentage. This means that the new premium rates may save homeowners an average of $500 in 2017 alone. HUD Lowers Mortgage Insurance Premiums f ...
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Austin American Statesman Top Workplace 2016

UNITED LENDING has been named an Austin American Statesman Top Workplace for 2016. The Austin American Statesman surveyed hundreds of area companies and determined The Top Workplaces based solely on employee feedback collected by Workplace Dynamics, LLP.  The survey measured employee attitudes r ...
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First Comes Love...then Comes Mortgage

According to the National Association of REALTORS most recent Profile of Home Buyers & Sellers, married couples once again dominated the first-time homebuyer statistics in 2016 at 58% of all buyers. It is no surprise that having two incomes to save for down payments and contribute to monthly ...
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Austin American Statesman Top Workplaces 2015

UNITED LENDING has been named an Austin American Statesman Top Workplace for 2015. The Austin American Statesman surveyed hundreds of area companies and determined The Top Workp ...