Getting a Conventional, VA, or FHA Mortgage Loan in Schertz, TX

Transcript

Hello, Schertz, Texas from Texas Home Loans. We’re here to help you get your purchases and your refinances done quickly and efficiently. We’ve got a couple of different processes and there’s gonna be some links in our below description. It’s gonna help you out. One of the first things that we do is we sign one person, one loan.

That means one person handles a loan from beginning to end. That means the first call, first text, and first email. You get a person, a qualified person who’s gonna give you the answer that results in people not losing documents, nothing lost in translation. We also do videos on that as well. We also give you a lowest rate on the first call.

Now, this is very unique and very exceptional, but only because other lenders don’t do it. They probably should. They will give up some of their profit margins because what they want to do is try to see how much they can get, and then you call back again and they give you the new lowest price, and they keep going down and down, down like a used car lot until you get a good deal and they make you feel guilty for giving a good deal.

Our people have given ’em a low rate, and they’re kind of, they’re, they’re used to fighting and they’re like, wow, why are you gonna gimme that low? I said, because it’s a fair margin and I know it’s lower than what everybody else quotes. So you can, we can move forward. And they take it, but they’re like, that’s really good.

That’s much better than what the other people said. I said, the other people come down to where we are, but only after they try to gouge you first. That tape brings you under our biggest point here. If you’re a service member, if you have any type of VA eligibility, there is a practice that goes on.

With VA loans. That is a kind of a known secret in the financial world, which is the people move up. What I mean to people, I mean, the mortgage companies and the banks, they move up the profit margins on VA loans, so they make more money on that. What that means is the VA loans should be much lower, and I, there’s links in my descriptions on this.

But what they do is they move it up because that then they can make more money. The farther they move up from that base rate, the more profit they can double, triple, quadruple the profit on veterans. So they’re making more money per loan on a veteran resulting in higher payments. This could be hundreds of thousands of dollars.

Now we don’t feel that a lender should take the lower rate that a veteran earned with their service because of the insurance placed on that loan. And stick them with higher rates. It’s not higher payments and pay, have them pay hundreds of thousands of dollars. Other lenders seem to think this is okay.

For example, how to tell if a lender’s doing this, the rate should be much lower in some scenarios. The VA rate is of one and a half points lower in our pricing model based on a conventional loan. So when you look at other lenders, they don’t, they’re not offering a one and a half points lower. Now, the market does change, and maybe it’s only a point or a half a point, but it’s significant.

And that should go to the, to the veteran, not to a bank or mortgage company due to their greed. We don’t do that. So all we do is we make the same in every loan and we look good just cuz we’re not stealing from the veterans. So I know there’s a lot of veterans and shirts. We’re here to help you. We’re here to assist you.

If you look at our reviews, you’ll see that our veterans love us and. They’re pretty shocked when we give them that low rate. They don’t have to fight for it. The veterans get a good deal and this is a win-win for us. We get consumer loyalty. We don’t make as much on every deal, but. The people appreciate it in making the veterans happy and rewarding them for our service.

That’s all the reward that we need. So hopefully this educates you. Check out our other links. Check out our other VA pricing models that’ll educate you on how this is done. And give you what you deserve, which is your full VA benefit. Give us a call any time. We can go through it. The numbers don’t lie.

We can show at the marketing with these other, other companies what they’re doing and feel free to reach out and we will get you squared away and always thank you for your service.