Houston, TX Real Estate News

By David Krichmar, DaveYourMortgageGuy.com
(www.DaveYourMortgageGuy.com - Legend Lending)
Conventional 30 year Mortgage: 3.49%Credit score:740LTV:75%Loan Amount:$300kAPR: 3.63%FHA 30 year: 3.375% Credit Score:740LTV:96.5%loan amount:$300kAPR: 4.375%Conventional 15 year: 3%Credit score:740LTV:75%Loan Amount:$300kAPR: 3.3245% Rates are Subject to ChangeCall me today if you are thinking of refinancing or buying a home, for the best mortgage rate possible. 
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By Jumbo Loan Center, Jumbo Loans - Purchase and Refinance
(Jumbo Loan Center)
Jumbo mortgage requirements have continued to ease across the nation. Approved homebuyers in Houston now have finance up to 95% Loan to Value. Many of these low down payment options do not require mortgage insurance each month, saving buyers even more. Harris County home loans are considered “Jumbo mortgages” when the loan amounts exceed the standard conforming loan amount limits. The current Fannie Mae loan limits are capped to $510,400 with some higher costs locations like outside of Texas as high as $726,525.  Low Down Payment Jumbo Financing Options & Requirments: 95% Loan to value: Up to $2,000,000: min 700+ credit score. Buyers can choose from a single loan up to $1,500,000 or a 1st and 2nd mortgage (80/15/5) combo up to $2.0m.  Both Jumbo options have NO monthly mortgage insuranc...
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By David Krichmar, DaveYourMortgageGuy.com
(www.DaveYourMortgageGuy.com - Legend Lending)
Conventional 30 year Mortgage: 3.49%Credit score:740LTV:75%Loan Amount:$300kAPR: 3.63%FHA 30 year: 3.375% Credit Score:740LTV:96.5%loan amount:$300kAPR: 4.375%Conventional 15 year: 3%Credit score:740LTV:75%Loan Amount:$300kAPR: 3.3245% Rates are Subject to ChangeCall me today if you are thinking of refinancing or buying a home, for the best mortgage rate possible. 
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By David Krichmar, DaveYourMortgageGuy.com
(www.DaveYourMortgageGuy.com - Legend Lending)
Conventional 30 year Mortgage: 3.49%Credit score:740LTV:75%Loan Amount:$300kAPR: 3.63%FHA 30 year: 3.25% Credit Score:740LTV:96.5%loan amount:$300kAPR: 4.25%Conventional 15 year: 3%Credit score:740LTV:75%Loan Amount:$300kAPR: 3.3245% Rates are Subject to ChangeCall me today if you are thinking of refinancing or buying a home, for the best mortgage rate possible. 
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By David Krichmar, DaveYourMortgageGuy.com
(www.DaveYourMortgageGuy.com - Legend Lending)
Conventional 30 year Mortgage: 3.50%Credit score:740LTV:75%Loan Amount:$300kAPR: 3.64%FHA 30 year: 3.5% Credit Score:740LTV:96.5%loan amount:$300kAPR: 4.5%Conventional 15 year: 3%Credit score:740LTV:75%Loan Amount:$300kAPR: 3.3245% Rates are Subject to ChangeCall me today if you are thinking of refinancing or buying a home, for the best mortgage rate possible. 
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By David Krichmar, DaveYourMortgageGuy.com
(www.DaveYourMortgageGuy.com - Legend Lending)
Conventional 30 year Mortgage: 3.50%Credit score:740LTV:75%Loan Amount:$300kAPR: 3.64%FHA 30 year: 3.375% Credit Score:740LTV:96.5%loan amount:$300kAPR: 4.375%Conventional 15 year: 3%Credit score:740LTV:75%Loan Amount:$300kAPR: 3.3245% Rates are Subject to ChangeCall me today if you are thinking of refinancing or buying a home, for the best mortgage rate possible. 
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By David Krichmar, DaveYourMortgageGuy.com
(www.DaveYourMortgageGuy.com - Legend Lending)
Conventional 30 year Mortgage: 3.49%Credit score:740LTV:75%Loan Amount:$300kAPR: 3.63%FHA 30 year: 3.5% Credit Score:740LTV:96.5%loan amount:$300kAPR: 4.4%Conventional 15 year: 3%Credit score:740LTV:75%Loan Amount:$300kAPR: 3.3245% Rates are Subject to ChangeCall me today if you are thinking of refinancing or buying a home, for the best mortgage rate possible. 
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By The Legacy Group, The LegacyGroup of CrossCountry Mortgage
(CrossCountry Mortgage)
Veterans now have access to a new VA renovation loan to refurbish or remodel their homes.  This loan program is available for new home purchases as well as for remodeling homes currently owned by the veteran.  It is estimated that over 50% of homes nationally are 40 years or older, and in the current housing market many homes are in need of updating, addressing deferred maintenance, or improving the energy efficiency of homes to lower utility costs.VA loan benefits include the following unique advantages:  a.  up to 100% financing, b.  no mortgage insurance, c.  up to $ 35,000 in renovation funds escrowed, d.  all renovations must be completed within 60 days of closing, e.  you can close on a purchase or refinance in the “as is” condition, f. you can borrow against the future value of t...
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By Krystin Mitchell, CPA CFE, Strategic Accounting & Tax Solutions
(KLSM CPA Firm, PLLC)
Self-employed individuals and small business owners with excess income should consider setting up SEP IRA. There are 7 different types of IRAs including the Traditional, Roth, SEP, Nondeductible, Spousal, SIMPLE, and Self-directed. Each IRA has its advantages and disadvantages, however for this blog post, I would like to focus on the SEP IRA. A Simplified Employee Pension (SEP) provides a easy way for employers to make contributions for their employees' retirement as well as themselves. A SEP IRA is best for self-employed individuals or small business owners with few or no employees as it allows you to save and invest significantly more, as a tax deductible contribution, than you can with a traditional IRA.  What are the rules? The employers contribution cannot exceed lesser of 25% of c...
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By David Krichmar, DaveYourMortgageGuy.com
(www.DaveYourMortgageGuy.com - Legend Lending)
Conventional 30 year Mortgage: 3.49%Credit score:740LTV:75%Loan Amount:$300kAPR: 3.63%FHA 30 year: 3.5% Credit Score:740LTV:96.5%loan amount:$300kAPR: 4.4%Conventional 15 year: 3.125%Credit score:740LTV:75%Loan Amount:$300kAPR: 3.37% Rates are Subject to ChangeCall me today if you are thinking of refinancing or buying a home, for the best mortgage rate possible. 
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By David Krichmar, DaveYourMortgageGuy.com
(www.DaveYourMortgageGuy.com - Legend Lending)
Conventional 30 year Mortgage: 3.25%Credit score:740LTV:75%Loan Amount:$300kAPR: 3.39%FHA 30 year: 3.375% Credit Score:740LTV:96.5%loan amount:$300kAPR: 4.275%Conventional 15 year: 3%Credit score:740LTV:75%Loan Amount:$300kAPR: 3.245% Rates are Subject to ChangeCall me today if you are thinking of refinancing or buying a home, for the best mortgage rate possible. 
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By David Krichmar, DaveYourMortgageGuy.com
(www.DaveYourMortgageGuy.com - Legend Lending)
Conventional 30 year Mortgage: 3.375%Credit score:740LTV:75%Loan Amount:$300kAPR: 3.515%FHA 30 year: 3.375% Credit Score:740LTV:96.5%loan amount:$300kAPR: 4.275%Conventional 15 year: 3%Credit score:740LTV:75%Loan Amount:$300kAPR: 3.245% Rates are Subject to ChangeCall me today if you are thinking of refinancing or buying a home, for the best mortgage rate possible. 
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By David Krichmar, DaveYourMortgageGuy.com
(www.DaveYourMortgageGuy.com - Legend Lending)
Conventional 30 year Mortgage: 3.5%Credit score:740LTV:75%Loan Amount:$300kAPR: 3.64%FHA 30 year: 3.5% Credit Score:740LTV:96.5%loan amount:$300kAPR: 4.4%Conventional 15 year: 3.125%Credit score:740LTV:75%Loan Amount:$300kAPR: 3.37% Rates are Subject to ChangeCall me today if you are thinking of refinancing or buying a home, for the best mortgage rate possible. 
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By David Krichmar, DaveYourMortgageGuy.com
(www.DaveYourMortgageGuy.com - Legend Lending)
Conventional 30 year Mortgage: 3.49%Credit score:740LTV:75%Loan Amount:$300kAPR: 3.63%FHA 30 year: 3.5% Credit Score:740LTV:96.5%loan amount:$300kAPR: 4.4%Conventional 15 year: 3.0%Credit score:740LTV:75%Loan Amount:$300kAPR: 3.245% Rates are Subject to ChangeCall me today if you are thinking of refinancing or buying a home, for the best mortgage rate possible. 
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By LLOYD CONLEY MBA ENROLLED AGENT, TAX ARCHITECTURE for TEXAS BUSINESS OWNERS HOUSTON
(CONLEY CONSULTING LLC)
Lloyd Conley, MBA, EA is a Sr. Tax Architect serving private business owners and high net worth individuals throughout the USA. Tax Architecture is about structuring or re-structuring the way private business owners and investors do business to line up with the most favorable sections of the Internal Revenue Code (IRC). The IRC highly favors private business owners!At the 30,000-foot level, Estate Tax planning is about managing the transfer of wealth over generations by leveraging the IRC sections that allow taxpayers to minimize the impact of Estate Taxation at death.  Income Tax planning through Tax Architecture is about minimizing the impact of Income Tax now, in order to build wealth before death. Efficient balancing of these goals is a cornerstone of good wealth management!Under so...
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By David Krichmar, DaveYourMortgageGuy.com
(www.DaveYourMortgageGuy.com - Legend Lending)
Conventional 30 year Mortgage: 3.375%Credit score:740LTV:75%Loan Amount:$300kAPR: 3.515%FHA 30 year: 3.625% Credit Score:740LTV:96.5%loan amount:$300kAPR: 4.525%Conventional 15 year: 3.0%Credit score:740LTV:75%Loan Amount:$300kAPR: 3.245% Rates are Subject to ChangeCall me today if you are thinking of refinancing or buying a home, for the best mortgage rate possible. 
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By David Krichmar, DaveYourMortgageGuy.com
(www.DaveYourMortgageGuy.com - Legend Lending)
Conventional 30 year Mortgage: 3.25%Credit score:740LTV:75%Loan Amount:$300kAPR: 3.39%FHA 30 year: 3.125% Credit Score:740LTV:96.5%loan amount:$300kAPR: 4.025%Conventional 15 year: 3.0%Credit score:740LTV:75%Loan Amount:$300kAPR: 3.245% Rates are Subject to ChangeCall me today if you are thinking of refinancing or buying a home, for the best mortgage rate possible. 
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By David Krichmar, DaveYourMortgageGuy.com
(www.DaveYourMortgageGuy.com - Legend Lending)
Conventional 30 year Mortgage: 3.25%Credit score:740LTV:75%Loan Amount:$300kAPR: 3.39%FHA 30 year: 3.25% Credit Score:740LTV:96.5%loan amount:$300kAPR: 4.15%Conventional 15 year: 3.0%Credit score:740LTV:75%Loan Amount:$300kAPR: 3.245% Rates are Subject to ChangeCall me today if you are thinking of refinancing or buying a home, for the best mortgage rate possible. 
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By David Krichmar, DaveYourMortgageGuy.com
(www.DaveYourMortgageGuy.com - Legend Lending)
Conventional 30 year Mortgage: 3.375%Credit score:740LTV:75%Loan Amount:$300kAPR: 3.515%FHA 30 year: 3.375% Credit Score:740LTV:96.5%loan amount:$300kAPR: 4.275%Conventional 15 year: 3.0%Credit score:740LTV:75%Loan Amount:$300kAPR: 3.245% Rates are Subject to ChangeCall me today if you are thinking of refinancing or buying a home, for the best mortgage rate possible.
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By LLOYD CONLEY MBA ENROLLED AGENT, TAX ARCHITECTURE for TEXAS BUSINESS OWNERS HOUSTON
(CONLEY CONSULTING LLC)
Lloyd Conley, EA, represents business and individual taxpayers in The Woodlands, Houston, and throughout Texas who have civil issues with the IRS.One of the hot new IRS Programs is targeting chronic non-filers. The IRS has identified 7 million chronic non-filers. The Non-Filer Program is a high priority with the IRS. Both business owners and individual taxpayers who have not filed tax returns, sometimes for many years, are vulnerable.It is worth noting that the willful failure to file a Tax Return is a crime under Internal Revenue Code Section 7203.So … what can non-filers do? How can we help a non-filer resolve their issues with the IRS?! The short answer is “it depends” upon why the failure to file occurred in the first place. The failure to file is often based upon the fear that ther...
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