Paul Sarver NMLS 935382

Paul Sarver NMLS 935382

Union Home Mortgage Corp. NMLS #2229, LO NMLS #935382. Equal Housing Lender. 09/06/2017

Why Do Interest Rates Fluctuate? | housing buzz blog

Please read this it will explain in terms that will help you understand how interest rates work. If you need assistance with any repairs from Harvey I am happy to help get you into a program that will assist you through this very difficult time. If you know of a friend, neighbor or family member that needs or is considering purchasing, refinancing or remodeling please let me know I appreciate referral business. Have a wonderful day. Borrowing money isn’t free – interest is essentially the cost of borrowing money. Lenders put a price on the rate... 08/31/2017

Harvey hits mortgages as flood-stricken homeowners are unlikely to pay

What if my house is flooded and I can't get to work? What if I can't make my mortgage payment? If you live in Houston you need to read this article. It is very important to understand your rights as a home owner in this trying time. Whether or not people can or choose to keep paying their home loans will depend entirely on their insurance.

[08/30/17]   In the wake of this horrible event I wanted to provide everyone some thoughts that ran through my head while being coop-ed up for 4 days straight.
1. If you have damage please make your insurance claims before close of business Friday. A new law takes effect on Friday that will limit your ability to receive full compensation for damages and limit your claims.
2. This is not a short term event this will effect Houston and the surrounding areas for years to come.
What will cause this event to have a long lasting effect?
2a. People will take their insurance money and walk away from their homes that flooded 2 or 3 times in the last 2 years. This will drive down neigborhood values and affect individuals ability to sell.
2b. Building material costs will sky rocket and buiders will not be able to afford to build until repairs are caught up and prices go down. This will slow market growth and eventually cause a short fall in avalable properties in the future.
2c. Anything that's not currently leased will be soon. The leasing market will explode as individuals look for short term solutions during the repairs to their homes.
2d. Experienced contract labor will be short handed for a period of time, until people from other states come here looking for work supply vs demand will cause repair labor costs to increase.
2e. Trying to get appraisals completed will take time and may cost significantly more. The supply (number of inspectors) will fall far short of the demand (number of homes needing to be appraised). So be patient it is out of our control.
2f. The growth and economic devolopment of Houston may be effected by people not wanting to move here due to the fear of future flooding. This list could go on for ever.
3. If you need a loan to help with the rebuilding process please give me a call and I will be happy to assist you with putting your life back together. We will rebuild this city and state one house at a time. #TexasStrong. 06/16/2017

What is PMI? | housing buzz blog

Interesting read, I get people that ask about PMI all of the time. If you are not able to come up with a substantial down payment (20%) or more you will have Private Mortgage Insurance on your loan. Please take a minute to read this and understand how PMI works and why it's required. Have a great day and as always please let me know if I can answer any questions. Have a great weekend. When you’re ready to buy a house, you’ll need to make a payment during the onset of the purchase, known as a down payment. 06/14/2017

8 Tips for a Smooth Move | housing buzz blog

No one likes to move because it's a lot of work. Moving into your new dream house helps to lessen the burden. Still who wants to pack boxes? Hopefully these tips will help make this process easier, faster, smoother and a little less cumbersome. Please remember me when you need a mortgage for that new home or you need to refinance you existing home. Have a great day. No matter what the reason is for selling your home, moves are always hectic, yet exciting. Check out these eight tips to make for a smooth move. 06/07/2017

5 Things to Look at When Preparing to Get a Mortgage | housing buzz blog

Here are some quick tips to help you get started. Please let me know if you have any questions or if I can assist you in anyway. When it comes to getting a mortgage, it can get confusing on what is and isn’t important to be qualified.... 05/24/2017

Things You Should Do if Your Neighbor Lists Their Home for Sale | housing buzz blog So you just listed your home for sale and so did your neighbor. Now what? There can be some concerns...



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