• What Credit Score Do You Need to Buy a House in Texas?,Jay Lopez

    What Credit Score Do You Need to Buy a House in Texas?

    “I want to buy a house, but my credit isn't good enough.” I hear that all the time. My first question is usually: Who told you that? Was it a mortgage lender who actually reviewed your situation? Or was it an app? A friend? Something you read online? Your cousin who bought a house in 2017? 😂 Credit

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  • VA Appraisals Explained: What Buyers Need to Know,Jay Lopez

    VA Appraisals Explained: What Buyers Need to Know

    Few parts of the VA home-buying process create more unnecessary anxiety than these two words: VA APPRAISAL. You may have heard: “VA appraisers are ridiculously strict.” “The house has to be perfect.” “VA appraisals always come in low.” “If anything is wrong with the house, VA won't finance it.” or:

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  • Who May Be Exempt From the VA Funding Fee?,Jay Lopez

    Who May Be Exempt From the VA Funding Fee?

    In a different blog, we broke down the VA funding fee—what it is, how much it can cost, and how it works. But there's another question that can potentially save a VA buyer thousands of dollars: 🇺🇸 DO I HAVE TO PAY THE VA FUNDING FEE AT ALL? Because some eligible VA borrowers don't. Under current V

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