Meet Matt M Dean, your trusted mortgage advisor. A licensed loan officer for over 20 years and a 20-year resident of Lakeway, TX, Matt provides unmatched local expertise and guidance to simplify your biggest purchase.
Navigating Texas Mortgage Options
The Texas housing market offers diverse financing solutions. Understanding the key loan types is essential for a well-informed decision:
- Conventional Loans: Not government-insured, offering flexible terms (fixed or adjustable rates) for qualified buyers.
- FHA Loans: Government-backed, making homeownership accessible with low down payments (as little as 3.5%) and flexible credit requirements. Ideal for first-time buyers.
- VA Loans: Exclusive to eligible veterans and active-duty service members, featuring zero down payment and no Private Mortgage Insurance (PMI).
- USDA Loans: Designed for rural and suburban properties, offering low-interest rates and minimal upfront costs to promote homeownership in less-populated regions.
- Non-QM Loans: Outside the box loan solutions for self employed borrowers and real estate investors that often have challenges qualifying for conventional loans.
Key Steps to Consider
Your mortgage choice should align with your financial stability and long-term plans. Matt M Dean can help you evaluate key factors:
- Financial Goals: Are you planning to stay in your home long-term (fixed-rate loan) or move sooner (adjustable-rate loan)?
- Credit Health: A higher credit score can secure better interest rates and terms. Your loan officer can offer guidance on improving your credit.
- Total Costs: Beyond the down payment, be prepared for closing costs, property taxes, and insurance. We provide a full breakdown to ensure you budget effectively.
- Special Programs: We have up-to-date knowledge of Texas-specific assistance programs and grants for first-time homebuyers.
Don't navigate the complex mortgage process alone. Partner with Matt M Dean to simplify your journey and find the solution that aligns with your lifestyle and future aspirations.
Ready to find the perfect financing for your Texas home? Contact Matt M Dean, your trusted advisor, today!
Lending Across Texas: Dallas, Houston, Austin, San Antonio, Lakeway, Waco, Lubbock, Port Aransas, Galveston, Marble Falls, Horseshoe Bay, Wimberley, Dripping Springs, San Marcos, Fort Worth, Killeen, Galveston, College Station,
