Brandon Trevino Loan Originator NMLS# 1842662

Selling a home can feel like a full-time job, which is why it's my job to make the process as simple as possible for you! If you're considering selling this year, it's never too early to call me.

🏢 Elevate Your Business with Commercial Loans! 🏢

Hello, business owners and entrepreneurs! 👋 Ready to take your business to new heights? Explore the possibilities with Commercial Loans tailored just for you!

🌐 Why Choose Commercial Loans?
Commercial Loans are designed to fuel your business growth. Whether you're looking to expand, purchase property, or invest in new equipment, we've got the solutions to make it happen.

As your dedicated Mortgage Loan Officer, I am committed to understanding your business goals. Let's work together to secure the funding you need for success.

💼 Business Expansion Awaits – Let's Get Started!
Ready to explore the world of Commercial Loans? Contact me today, and let's discuss how we can turn your business dreams into reality.

🚀 Empower Your Business Growth

Building a business based off of referrals takes time, consistency and a lot of "I hope I did a good job" moments. When it all comes back around it's an amazing feeling!
Thank you to all my past clients, friends and family that are always recommending me to others. Whether it’s mentioning my name in conversation, tagging me in the endless comment section of a Facebook group or just sharing my content with others... it all means more than you can imagine!♥️
Jennifer Davis Realtor
Texas Edge Realty
210-527-7300

🌟 Happy Thursday, Dream Home Enthusiasts! 🏡✨

Wishing you all a fantastic Thursday filled with sunshine, good vibes, and steps closer to your homeownership dreams! 🌈✨

Three Reasons to Smile Today:

Progress in Every Step: Whether you're navigating the mortgage maze or scouting for your dream home, every little step is a victory. Your journey is uniquely yours, and you're rocking it!

Opportunities Await: Thursdays are like the gateway to the weekend. Embrace the opportunities that come your way, and remember, your dream home might be just around the corner!

Celebrate Achievements: Take a moment today to celebrate how far you've come in your homeownership journey. Every achievement, big or small, is a steppingstone to that front door with your name on it.

How Can I Brighten Your Homebuying Journey Today?

As your Mortgage Loan Officer, my goal is to make your path to homeownership as smooth and joyful as possible. Got questions, need advice, or just want to share your excitement? I'm always available! Let's make your homeownership dreams a reality. 🏠💙

Getting pre-approved for a home loan is a lot more than an instant online quote. Diving deeper into your specific financial situation with your lender can make a world of difference. Who you work with matters! ✅🏠
Need a lender who will do all of this and more? I know a guy! Hit up Easton Crafts with Directions Home Loan

Jennifer Davis Realtor
Texas Edge Realty
210-527-7300

Although you’re not legally required to work with a real estate professional to buy a home, there are various reasons why you should for a positive home-buying experience. A great real estate agent will guide you through the home search with an unbiased eye while bringing their expertise to the table and helping you meet your buying objectives while staying within your budget. If you want to work with a trusted real estate agent who has extensive knowledge of the local market, contact me today.

One thing I like about the Company I am with is that I don't charge any fees other mortgage lenders will charge their buyers.

I take pride in offering a quick and easy process without my clients having to spends thousands of dollars on origination and processing fees alone.

If you have any questions about how I can save your and my clients money during their home buying process I am always available.

🌳Mature secluded lot sitting on .9911 acres in Spring Branch. This is a sought out neighborhood in the Comal ISD district. This is a nice large lot to build your custom home on. Rivermont neighborhood offers private access to the Guadalupe River, Pavilion Park and a neighborhood pool. Great things for you to enjoy with family and friends. This lot is full of gorgeous mature trees. It is just waiting for your dream home to be built. www.reliancerr.com

🏡Dreamy Hill Country Home! This gorgeous home has been remodeled to capture a refined and elegant style! The timeless charm and character embrace you from the moment you enter with a welcoming ambiance. The open layout of the living room feels spacious! From the luxury vinyl plank wood flooring, to the rock fireplace and hearth and douglas fir beam, the features offer a rich, wow factor! The high caliber of detail continues in the kitchen with open shelving to showcase the brick walls and butcher block counters! The stainless appliances include a beautiful stainless gas range to further enhance the sophisticated style! Off the living room is an oversized bedroom with a partial exposed rock wall and bay window. The primary bedroom has a sitting area perfect for an office, nursery or hobby space. The en suite bathroom features a large, luxurious shower! An additional bedroom, a second full bathroom and laundry room complete the interior space! A separate outdoor entry will lead you to a 2 car garage for parking or extra storage! The outdoors boasts spacious porches and 9.95 acres to enjoy for many activities, already equipped with a fire ring, chicken coop, and 2 more tin structures. The property feels private with gate, some fencing and heavily wooded along perimeters with many magnificent, mature trees with plenty of space. No HOA! No city taxes! Just minutes from town, but feels more remote with picturesque hills, trees and horizons to enjoy when driving in the area! www.reliancerr.com

🏡 FHA vs. Conventional Loans

When it comes to financing your dream home, the choice between FHA and Conventional Loans can make all the difference. Let's break it down:

🏦 Conventional Loans:

Down Payment: Generally requires a higher down payment (often 5% to 20%).
Credit Score: Typically requires a higher credit score, although lower rates may be available with excellent credit.
Private Mortgage Insurance (PMI): Required for down payments less than 20%.
Flexibility: Offers various term options, fixed or adjustable rates, and fewer restrictions on property types.
🏠 FHA Loans:

Down Payment: Allows a lower down payment (as low as 3.5%).
Credit Score: More forgiving for lower credit scores, making it accessible for first-time buyers.
Mortgage Insurance: Requires both an upfront and annual mortgage insurance premium, regardless of the down payment amount.
Property Requirements: Has specific property standards, including some limitations on property types.
📊 So, Which Is Right for You?

Conventional: Great for those with strong credit, a larger down payment, and looking for flexibility in loan terms.
FHA: Ideal for first-time buyers or those with lower credit scores aiming for a lower down payment.
🔍 The Right Fit Matters!
Let's chat and understand your unique homeownership goals. I'll guide you toward the loan option that aligns perfectly with your needs and sets the stage for your dream home journey! 🌟

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📊 Understanding DTI: Your Key to Mortgage Success 🏡

Let's talk about DTI—a crucial factor in mortgage applications! DTI stands for Debt-to-Income Ratio, a simple yet pivotal number that lenders use to assess your financial health. Here's why it matters:

🔍 What's DTI?
DTI is the percentage of your gross monthly income that goes toward paying debts. It includes housing expenses, car loans, credit card payments, and other debts divided by your gross monthly income.

💡 Why Does It Matter?
Lenders analyze DTI to gauge your ability to manage monthly payments. A lower DTI indicates a healthier financial position, boosting your chances of securing a mortgage with favorable terms.

📈 How to Calculate DTI:
Add up all monthly debt payments, including the proposed mortgage, and divide by gross monthly income. Aim for a DTI below 43% for most conventional loans.

🔑 Improving Your DTI:
Pay Down Debt: Focus on reducing existing debts to lower your DTI.
Increase Income: Consider additional income sources to balance out your DTI ratio.
Avoid New Debt: Minimize taking on new debts before applying for a mortgage.
🚀 Boost Your Mortgage Potential!
By understanding and actively managing your DTI, you're taking proactive steps towards a stronger mortgage application. Let's work together to optimize your financial profile for that dream home purchase! 🌟

I'm here to help you reach your homeownership goals! 📩