|
|
 |
 |
 |
 |
Common Sense Uncommon Service Buying a home is one of the biggest purchases most of us make. House hunting can be exciting and disappointing at the same time. Some people find the perfect home in three days, for others, it can take months.
We've seen it all. And we understand how you feel. Once you finally find the perfect home, let us help you quickly find the perfect mortgage.
A review of our Loan Programs appears on this website. Call or e-mail us and we'll develop a personalized quote.
Are you already living in your dream home? Maybe it can be even dreamier with a lower monthly mortgage payment! Refinancing could be the way to go. Check it out with our Refinance Mortgage Calculator.
Or, try out our Debt Consolidation Mortgage Calculator to see if a home equity loan or second mortgage would work for you.
Buying a home is a big investment. We can be there with you every step of the way. Our company has been in this business for a long time, and we invite you to put our experience and expertise to work for you. |
|
- Enthusiasm working for you
Helping people make one of their most important decisions is a serious responsibility,
but something that I enjoy doing. This enthusiasm and hard work will benefit you and
help reduce the stress and anxiety often associated with real estate transactions.
- Established Credibility
I have many years of experience and knowledge working in this industry. I can say with
confidence that I'll get the job done right.
|
|
|
 |
 Mortgage News Daily
What is Right About the Mortgage Industry? - 38 minutes ago
Posted To: Community CommentaryI have probably drafted around 15 different articles for a Community Commentary since the beginning of the year, but chose not to post them because for the most part they were rants about the absurdity of RESPA, the idiocy of HVCC, the impotence of the CFPA. But as I read each draft, I felt I was simply regurgitating everything that is negative, feeding on the energy of discontent that anyone crazy enough to still be originating mortgage loans for a living is already experiencing. Instead, I asked myself what is right about the mortgage industry? What can we take away as positives in this community? Rays of light that can been seen as a hopeful sign of good things to come, rather than evidence of another hurtling train coming to decimate what is left of the non-big bank mortgage lending community...(read more)Forward this article via email: Send a copy of this story to someone you know that may want to read it.
FOMC STATEMENT: Fed's MBS Purchase Program on Course to End as Planned, But.... - 2 hours ago
Posted To: MBS CommentaryThe FOMC Statement has been released. First and foremost, there was no significant change in the verbiage regarding the end of the MBS Purchase Program. Here is how the statement reads: "To provide support to mortgage lending and housing markets and to improve overall conditions in private credit markets, the Federal Reserve has been purchasing $1.25 trillion of agency mortgage-backed securities and about $175 billion of agency debt; those purchases are nearing completion, and the remaining transactions will be executed by the end of this month " The text that follows the above statement was slightly adjusted in a manner that leaves the door open for a program extension. "The Committee will continue to monitor the economic outlook and financial developments and will employ its...(read more)Forward this article via email: Send a copy of this story to someone you know that may want to read it.
Raising Capital to Help Grow Your Mortgage Operation - 3 hours ago
Posted To: The Garrett Watts ReportWe’ve been writing a lot on the profits of high performing mortgage bankers in 2009. Last year looks to have been a great year for most mortgage bankers, especially for those who originated FHA loans and sold them through mandatory delivery commitments. Higher performers made in excess of 65 basis points in pre-tax profits. Common denominators among high performers are the size, components and deployment of their capital. The higher performers had a strong balance sheets and were very liquid. They used their capital wisely to exploit opportunity in the market. Some of the key uses of capital and liquidity were the following: Capital was used to procure and build warehouse lending capacity to support their production expansion strategies Increase warehouse capacity helped to improve the...(read more)Forward this article via email: Send a copy of this story to someone you know that may want to read it.
Addressing Analyst Concerns For "Material" MBS Corrections - 5 hours ago
Posted To: MBS CommentaryI've gotten quite a few emails from panicked pipeline managers and loan writers regarding Meredith Whitney's bearish feelings on the Fed's exit from the MBS market and the general health of housing. If you missed it... THIS STORY is a decent recap of the CNBC interview. If you are asking, WHO IS MEREDITH WHITNEY?....she is an influential Wall Street banking analyst and independent investment researcher. She was notoriously bearish about the banking system before the worst days of the current financial crisis...and got a lot of attention because of it. Her guidance, outlook, and opinion have the ability to move markets.... This morning, Meredith correctly called attention to the fact that the macroeconomic recovery is largely dependent on the health of housing. Whitney is concerned...(read more)Forward this article via email: Send a copy of this story to someone you know that may want to read it.
Dodd Releases Huge Financial Reform Package. MND Initial Recap - 5 hours ago
Posted To: MND NewsWireYesterday, just one day shy of the second anniversary of the Bear Stearns collapse, Senator Christopher J. Dodd (D-CT), chairman of the Senate Banking Committee, released his long awaited proposal to overhaul the nation's financial regulations. The changes, viewed by many as the most sweeping since the Depression, are apparently backed by the Obama administration. Dodd said that the overhaul is designed to stabilize the nation's financial system in the hopes of preventing a repeat of the near collapse of major players in the fall of 2008. However, forces are both the right and the left appear ready to do battle over many parts of the proposal. Dodd had been working on the proposal with one of the leading members of the committee, Senator Bob Corker (R-TN), but recently decided to finish...(read more)Forward this article via email: Send a copy of this story to someone you know that may want to read it. |
 |
|
|
|
Vice President, Mortgage Lending
Roscoe State Bank
710 Hwy 71 W
Bastrop, TX 78602
Office Phone: (512) 303-1800 Fax: (512) 321-5878 Cell Phone: (512) 461-2960 E-Mail: jherrman10@aol.com
|
|
|
|
|
 |
|
|
|
