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HOW THE FED IMPACTS MORTGAGE RATES

HOW THE FED IMPACTS MORTGAGE RATES

THE FED IMPACT IN MORTGAGE RATES: Mortgage rates are determined by the supply and demand for mortgage bonds in the bond market. When you get a mortgage in the US, your mortgage company is getting the money from Fannie Mae, Freddie Mac or other "securitizers". These...

FALL 2019 GUIDE TO MORTGAGE RATES

FALL 2019 GUIDE TO MORTGAGE RATES

Mortgage rates are determined by the supply and demand for mortgage bonds in the bond market. WHY MORTGAGE BONDS? When you get a mortgage in the US, your mortgage company is getting the money from Fannie Mae, Freddie Mac or other "securitizers". These "securitizers"...

WHY HOUSING INVENTORY MATTERS TO YOU

WHY HOUSING INVENTORY MATTERS TO YOU

Housing inventory measures how many months it would take to sell all the houses currently listed for sale, at the current pace of home sales.  For example, if there are 400 homes currently listed for sale, and an average of 100 homes are selling each month, there...

SUMMER 2019 GUIDE TO HOUSE PRICES

SUMMER 2019 GUIDE TO HOUSE PRICES

House prices have gone up in many markets across the country. This chart illustrates what rising house prices could mean for you based on your home value and the rate of appreciation in your neighborhood. Here are two ways you may be able to benefit if your home has...

THE CASE OF THE MISSING $40,000

THE CASE OF THE MISSING $40,000

Rob is retiring at age 62 and his income is going down from $100,000/year to $40,000/year. He wants to live on $80,000/year, so he’s short $40,000/year. He is thinking of taking early social security distributions. Rob has some money saved in his taxable retirement...

Carrero Mortgage Advisors, LLC NMLS# 1734670 is an Equal Housing Opportunity Lender. © Copyright 2019 and is headquartered at 3600 Red Road Suite 310, Miramar, FL 33025. All rights reserved. Nationwide Mortgage Licensing System (NMLS) Consumer Access Web Site: www.nmlsconsumeraccess.org.

Figure: 7 TAC 80.200(b)

“ANY CONSUMER WISHING TO FILE A COMPLAINT AGAINST A COMPANY OR A RESIDENTIAL MORTGAGE LOAN ORIGINATOR SHOULD COMPLETE AND SEND A COMPLAINT FORM TO THE TEXAS DEPARTMENT OF SAVINGS AND MORTGAGE LENDING, 2601 NORTH LAMAR, SUITE 201, AUSTIN, TEXAS 78705. COMPLAINT FORMS AND INSTRUCTIONS MAY BE OBTAINED FROM THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV. A TOLL-FREE CONSUMER HOTLINE IS AVAILABLE AT 1-877-276-5550. THE DEPARTMENT MAINTAINS A RECOVERY FUND TO MAKE PAYMENTS OF CERTAIN ACTUAL OUT-OF-POCKET DAMAGES SUSTAINED BY BORROWERS CAUSED BY ACTS OF LICENSED RESIDENTIAL MORTGAGE LOAN ORIGINATORS. A WRITTEN APPLICATION FOR REIMBURSEMENT FROM THE RECOVERY FUND MUST BE FILED WITH AND INVESTIGATED BY THE DEPARTMENT PRIOR TO THE PAYMENT OF A CLAIM. FOR MORE INFORMATION ABOUT THE RECOVERY FUND, PLEASE CONSULT THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV.“

Equal Housing Lender

Equal Housing Opportunity