https://crystalclearmortgage.com/knowledge-center/ Home loan guides from Crystal Clear Mortgage in Montgomery, Texas. en-us Fri, 15 Apr 2022 00:00:00 GMT https://crystalclearmortgage.com/2020/10/what-to-do-before-you-refinance/ https://crystalclearmortgage.com/2020/10/what-to-do-before-you-refinance/ Five steps to take before you refinance your Texas home: get your credit in order, borrow only the equity you need, time it right, know your value and shop around. Refinancing Fri, 30 Oct 2020 00:00:00 GMT https://crystalclearmortgage.com/2020/10/all-about-conventional-home-loans/ https://crystalclearmortgage.com/2020/10/all-about-conventional-home-loans/ What a conventional home loan is and the main kinds: conforming, nonconforming and jumbo, fixed-rate, adjustable-rate and low-down-payment conventional loans. Loan Types Tue, 27 Oct 2020 00:00:00 GMT https://crystalclearmortgage.com/2020/10/all-about-conventional-home-loans-2/ https://crystalclearmortgage.com/2020/10/all-about-conventional-home-loans-2/ How FHA loans work, who they may help (first-time buyers, less-than-perfect credit, higher debt-to-income), the FHA appraisal and why FHA loans are assumable. Loan Types Tue, 27 Oct 2020 00:00:00 GMT https://crystalclearmortgage.com/2020/10/all-about-down-payments/ https://crystalclearmortgage.com/2020/10/all-about-down-payments/ What a down payment is and how down payment requirements differ for conventional, FHA, VA and USDA home loans, from Crystal Clear Mortgage in Montgomery, Texas. Mortgage Basics Tue, 27 Oct 2020 00:00:00 GMT https://crystalclearmortgage.com/2020/10/how-to-qualify-for-va-loans/ https://crystalclearmortgage.com/2020/10/how-to-qualify-for-va-loans/ VA loan eligibility explained: the VA's service requirements, the Certificate of Eligibility (COE), credit and the occupancy rule for Texas veterans and spouses. Loan Types Tue, 27 Oct 2020 00:00:00 GMT https://crystalclearmortgage.com/2020/10/refinance-vs-cash-out-refinance/ https://crystalclearmortgage.com/2020/10/refinance-vs-cash-out-refinance/ The difference between a standard refinance and a cash-out refinance, why homeowners choose each and why a cash-out refinance can be harder to qualify for. Refinancing Tue, 27 Oct 2020 00:00:00 GMT https://crystalclearmortgage.com/2020/10/when-refinancing-makes-sense-and-when-it-doesnt/ https://crystalclearmortgage.com/2020/10/when-refinancing-makes-sense-and-when-it-doesnt/ How to find the right real estate agent for your Texas home purchase: ask for referrals, interview contenders, match experience and agree on how you'll communicate. Resources Tue, 27 Oct 2020 00:00:00 GMT https://crystalclearmortgage.com/2020/10/when-refinancing-makes-sense-and-when-it-doesnt-2/ https://crystalclearmortgage.com/2020/10/when-refinancing-makes-sense-and-when-it-doesnt-2/ Four questions that decide whether refinancing makes sense: how long you'll stay, the interest you pay now, the type of loan you have and whether you need cash. Refinancing Tue, 27 Oct 2020 00:00:00 GMT https://crystalclearmortgage.com/2020/10/why-buying-an-older-home-might-be-right-for-you/ https://crystalclearmortgage.com/2020/10/why-buying-an-older-home-might-be-right-for-you/ Five reasons an older or existing home may beat new construction: build quality, premium touches, an established neighborhood, value and room to customize. Resources Tue, 27 Oct 2020 00:00:00 GMT https://crystalclearmortgage.com/2020/10/appraisals/ https://crystalclearmortgage.com/2020/10/appraisals/ What an appraisal is, why lenders order one, the three methods Texas appraisers use, who owns the report and how you can help the appraiser. Mortgage Basics Tue, 13 Oct 2020 00:00:00 GMT https://crystalclearmortgage.com/2020/10/credit/ https://crystalclearmortgage.com/2020/10/credit/ What credit is, how a credit score is built, how lenders read it and why your score matters for a conventional, FHA or VA home loan in Texas. Mortgage Basics Mon, 12 Oct 2020 00:00:00 GMT https://crystalclearmortgage.com/2020/10/private-mortgage/ https://crystalclearmortgage.com/2020/10/private-mortgage/ What a mortgage pre-approval is and why it should come before house hunting: it sets your budget, narrows your search and gives sellers confidence. Mortgage Basics Sun, 11 Oct 2020 00:00:00 GMT https://crystalclearmortgage.com/2020/09/closing-costs/ https://crystalclearmortgage.com/2020/09/closing-costs/ What mortgage insurance is, who it protects and how it works on conventional, FHA, USDA and VA home loans, explained by Crystal Clear Mortgage. Mortgage Basics Fri, 25 Sep 2020 00:00:00 GMT https://crystalclearmortgage.com/2020/09/foreclosure/ https://crystalclearmortgage.com/2020/09/foreclosure/ What foreclosure is, what a deficiency judgment means and the steps that may help a Texas homeowner avoid foreclosure, from forbearance to a loan modification. Mortgage Basics Fri, 25 Sep 2020 00:00:00 GMT https://crystalclearmortgage.com/2020/09/lorem-ipsum-dolor-sit-amet-consectetur-adipiscing-elit-6/ https://crystalclearmortgage.com/2020/09/lorem-ipsum-dolor-sit-amet-consectetur-adipiscing-elit-6/ A refinance checklist for Texas homeowners: credit, how much equity to take out, timing, your home's value and shopping for the right refinance loan. Refinancing Fri, 25 Sep 2020 00:00:00 GMT https://crystalclearmortgage.com/2020/09/lorem-ipsum-dolor-sit-amet-consectetur-adipiscing-elit-7/ https://crystalclearmortgage.com/2020/09/lorem-ipsum-dolor-sit-amet-consectetur-adipiscing-elit-7/ Common reasons Texas homeowners refinance, from a better rate to a lower payment, and how a cash-out refinance differs from a standard refinance. Refinancing Fri, 25 Sep 2020 00:00:00 GMT