Karen Treviño - Mortgage Lender
Nearby finance companies
Austin
Williams Drive, Georgetown
Franklin Street, Huntsville
World Drive, Peachtree City
Georgetown 78633
Symphony Woods Road
Williams Drive, Georgetown
Williams Drive, Georgetown
Single Peak
Williams Drive, Georgetown
Williams Drive, Georgetown
Williams Drive, Georgetown
Austin
Gridley Road, Cerritos
Williams Drive, Georgetown
Karen W. Treviño
210-488-5479
[email protected]
RMLO, NMLS#296880 Meet Karen: http://www.ktlending.com/
05/16/2023
Testament Tuesday!
I love my clients!! Thank you Michael, for the kind words!! 🤩
To check my rates, go to ClientsRFamily.com
05/05/2023
Happy Cinco de Mayo! 👨🥙
Call me and we can TACO 'bout your mortgage financing needs 😎
ClientsRFamily.com
Testament Tuesday!
We we're Loan App to Clear to Close in 9 days! 🤩
Thank you for the kind words, Katherine!
To check my rates, go to ClientsRFamily.com
04/11/2023
I'm always ready to SPRING into action for all your real estate needs! 😉 Contact me today!
ClientsRFamily.com
04/07/2023
No BUNNY knows mortgages like I do! 🙃🐰😝
Contact me today! ClientsRFamily.com
Wishing everyone a Happy Easter weekend! 🐰🐥
04/06/2023
Happy Easter! I hope you find good surprises everywhere you look! Austin Texas Smith Branch is an Equal Housing Lender.
04/05/2023
I've got time to help you with your financing needs!
Contact me today: ClientsRFamily.com 🌦
04/04/2023
Rates have improved and real estate is hoppin' 😆🐰
It is so important to get pre-approved, as we are back to seeing multiple offers on many homes. Contact me today!
210.488.5479 | ClientsRFamily.com
03/31/2023
Happy April Fools' Day! Hoping the only thing coming for you today is an abundance of fun! Austin Texas Smith Branch is an Equal Housing Lender.
As rates go lower, the market will take off! If you’re considering purchasing this year, call to discuss how to time the market before it’s too late! ClientsRFamily.com
03/23/2023
Spring has sprung!
Now is a great time to find your dream home!
Contact us today! ClientsRFamily.com
03/19/2023
FHA mortgages just got a price cut. Beginning March 20, mortgage insurance premiums will be lower on most FHA loans, making payments more affordable and qualifying easier. If you or someone you know hasn't acted because of high rates or low income, now is a good time for another look. I'll be happy to help. Austin Texas Smith Branch is an Equal Housing Lender.
03/17/2023
Happy St. Patrick's Day! 🍀
03/14/2023
Contact me today! 🍀
ClientsRFamily.com
03/09/2023
🚨 FHA LOANS: The new go to loan program for 2023🚨
Conventional loans will soon have Loan Level Pricing adjustments added to the rate. With the reduction in the monthly MI (mortgage insurance) - FHA will be the new go-to loan for many homebuyers. Refresh your memory below with how flexible FHA loans can be.
Contact me today! 😄
210.488.5479 | ClientsRFamily.com
03/07/2023
It's no blarney!
Contact me today! ClientsRFamily.com
03/01/2023
🍀 Let us be your lucky charm!! 🍀
We can close loans fast!! Contact us today!! 😍
📌 ClientsRFamily.com
Its almost March!!
Are you ready to SPRING into homebuying season? 😎
To ROOT yourself in the right home, reach out for a pre-approval.
Contact me today!! 😍
210.488.5479 | ClientsRFamily.com
Getting pre-approved first then start looking for homes!!
This will give you knowledge and power.
1) Knowledge of what you can qualify for
2) Power to show the seller you are a serious buyer
Contact me today to get pre-approved so you can start your home search! ClientsRFamily.com
02/27/2023
Attention Veterans:
Effective April 7th, 2023, there will be an adjustment on the amount of fees charged when funding a VA loan. Refer to our chart below to see these upcoming changes.
For additional questions, contact us today!! 😄
ClientsRFamily.com
02/27/2023
"Don't wait to buy real estate, buy real estate and wait!"
Contact me today! Lets get you prequalified! 😄
210.488.5479 | ClientsRFamily.com
02/23/2023
Very exciting news for those looking to buy using an FHA product! HUGE reduction in mortgage insurance premiums. This will make homeownership much more affordable for many!
Interested in what this means for YOU?
**Note of caution** Different counties have different loan amounts. The Austin MSA maximum loan amount is $571,550.
HUD Letter:https://www.hud.gov/.../OCHCO/documents/2023-05hsgml.pdf
Contact us today!! ClientsRFamily.com
Buying a home? Remember to avoid these pitfalls! 😄
📌 Opening credit cards/Credit profile:
Some people think paying off a bunch of debt before applying for a mortgage will give them a better chance of approval, but the opposite may be the case! Paying off too much debt can actually LOWER your credit score. Consult with an experienced loan officer before paying off debts!
And in the opposite realm, be sure to avoid acquiring new debt right before or during your home purchase process. Make sure going out and buying those new appliances and/or furniture won't kill your approval. Always be transparent with your loan officer, and get their input before doing anything with your credit profile.
📌 Buying a car:
A recent car loan implies one or more recent hard inquiries into your credit, which can lower your credit score. This may be relatively minor and temporary but depending on the timing, it may be enough to negatively affect your mortgage approval. Buying a new car also adds to your debt loan, which can make you appear to be a riskier borrower. (Depending on your Debt to Income Ratios (DTI)
📌 Job/Employment changes:
These things aren't always in your control, but again - transparency is key! Any changes need to be communicated to your loan officer immediately. Typically, job changes are not a big deal as long as your gap between employers is less than 30 days, but there are some exceptions to this rule.
📌 Changing banks & Large bank transfers:
Changing Banks and opening new bank accounts can cause issues. Assets will be reviewed going back 60 days, so any large transfers between accounts you own will lead to additional documentation requirements, and anything coming from (or sometimes to) someone else will need to be documented and explained. A knowledgeable loan officer can guide you in the best practices related to your specific scenario.
📌 Travel / vacation:
Going "under contract" on your new home is just the first step. Your team (loan officers, agents, title, insurance) will need to be in constant contact with you in order to facilitate a smooth and timely closing experience. Do your best to be available throughout the process, but if travel is unavoidable be sure everyone on your team knows your dates of travel so they can proactively prepare for the best outcome.
Want more tips? Call us today!
210.488.5479 | ClientsRFamily.com
The reality is... most of our parents didn't teach us these 7 reasons bc *most* only use real estate the "old school way" - as a place to live.
They know it is smarter than renting.. but that is about it.
But we should know better.. not because they taught us but because we have Google and YouTube at our fingertips.
Retirement also won't look the same for us.. pensions... social security... will we have it?
If I were you... I'd invest an hour a week to learn more about real estate. Get curious..
02/17/2023
💳Credit 💳
Here are 5 important things to know about your credit score when purchasing a home:
📌 Percent of credit used
📌 Length of credit history
📌 New credit
📌 Payment history
📌 Types of credit
Contact me today to learn more and start your pre-approval process. To check my rates, go to ClientsRFamily.com
02/14/2023
Testament Tuesday!!
Thank you for the kind words, James!! 😍
I would love to help you with your financing needs.
Contact me today!! ClientsRFamily.com
02/14/2023
A home is built with love and dreams... Happy Valentines Day!!
Have you found your perfect Loan Officer match?? 😍
Lets get you prequalified today!! ClientsRFamily.com
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