*100% APPROVABLE

This is specifically how the New HUD (2008 Economic Recovery Act) Grant Program Works:

Must have $30,000 or more total gross income to apply and not to exceed $99,540 for borrower.

Up to 5% of the sales price covers down payment for a sales price up to $289,704.00.

No class certification required except for the HOPE program which is Houston City Limits.

The grants apply to new or existing homes.

Grant programs will cover the down payment and most of the closing costs.

No geographic restrictions except for the HOPE program which is Houston City Limits.

Additional $7500 tax credit available for first time home buyers (haven't owned a home in last 3 years)

Up to 5% Down Payment Program is available to everyone and not limited to first time homebuyer.

The maximum allowable loan amount is $275,253.00.

Where the Homes are Located:

We have homes like the ones that you see in the magazine South of I-10 down Highway 6 to Rosenberg and Richmond, then over to 59 south, 288 South past Pearland and Alvin. Then I-45 South to include Texas City, League City and Dickinson.

West to Katy, Sealy and Brookshire, then North of HWY 6 to HWY 290 up to Hockley then up FM249 to Tomball and Magnolia then over to I-H 45North up to Conroe. Homes are also available in Porter, Atascocita, and Humble and down to the Channelview area and South to Baytown and Pasadena.

99% of the time there are only two reasons why people are renting:

They don't have a down payment or closing costs
Their credit is bad

However, TEXAS AMERICAN LENDING takes care of both situations for our clients.

Yes, *100% of our clients are approvable. The reason is very simple:

1. We specialize in programs that take care of the down payment requirements and closing costs.

2. We specialize in improving your credit so that you can be approved for a mortgage.

TEXAS AMERICAN LENDING puts the client first. We have over fifteen years of mortgage experience and in that time have developed service and processing solutions that far exceed the competition. We don't care how hard the loan is . . . we will get it done. We have NEVER lost a loan due to pre-approving a client! You have to be qualified and approved to execute these programs. Without this knowledge a loan officer would not know how to process the loan or explain it to your real estate agent. Your agent has to know how to write up the contract and negotiate using these special programs. Then the agent will also not know how to explain the contract to the selling agent hence, no program for you. Once you qualify we put you with experienced realtors who specialize in down payment assistance and grant programs. This is exactly like going to a specialist for a medical problem.

If you are a Realtor visiting my website for the first time and are interested in being a business partner, please contact us at 832-295-0761. We service many Realtors and Builders in the Houston Metro Area and will help you sell your listings faster. This program has been authorized by HUD and approved by HAR to be put on your MLS Listing.

Time is money both to the client and to the agent. The old fashion way of doing real estate was to take the client around town and help them find a property they would fall in love with, only to find out 30 to 60 days later that they couldn't afford the property or the loan officer tells them that the interest rate is higher or they have to pay collections or they need additional money to close. This can even happen to wealthy individuals with great credit, but because their debt ratios are too high, they can't afford the property they want. The seller had their property off the market losing time and a potential sale and everyone involved is emotionally distraught. NO MORE!!!!!

Pre-approval with TEXAS AMERICAN LENDING is on call for you 24 hours a day, 7 days a week. Other loan officers are 9 to 5 and hard to reach during the day. Our loan officers have their notebooks ready to serve you immediately, night or day, Monday thru Sunday. Our clients need to know exactly how much they CAN afford, what loan program they qualify for, interest rate, and will they qualify for our grant program that will allow them not to come up with a down payment out of their pocket.

Whether you have challenged credit or perfect credit TEXAS AMERICAN LENDING should be your choice. We offer lower rates to our clients regardless of their credit.

Additionally, pre-approval is necessary for two reasons:

There are 10 different loan programs available today for those who make from $30,000 per year to $1,000,000 per year. Your agent will not know how to fill out a contract without knowing what type of loan program you are qualified for.
A home builder or a seller of an existing home is not going to take their home off the market for 30 or 60 days waiting to find out if you are approved or not - hence, pre-approval.

Please look at the services we have to offer:

24 Hours/7 days a week at your service (No 9-5 Monday thru Friday)

We send you a copy of your credit report.

Credit Improvement Services and software available to increase your score for homeownership.

Specializing in every loan program.

Multi-lingual staff: English, Spanish, French, and Arabic

Pre-Approval Application
This is a secured site. Please fill out the following form with complete and accurate information to insure an accurate and timely response. A loan officer will contact you via email within 24 hours your status. All fields are required even if the answer is NO or N/A. If you have any further questions,
click here to contact us.

Thanking you in advance for the opportunity to serve you!

TEXAS AMERICAN LENDING

Broker License #42663
10819 Keystone Fairway Dr.

Houston, Texas 77095
832-295-0761-office
832-626-9664-fax
BY APPT. ONLY

*some restrictions may apply

APPLY NOW

Single Applicant $17, Married Applicant $34

Mortgage Broker Disclosure Compliance Notice and Mortgage Broker Recovery Notice

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