Home Loan Options
How to Finance a Multi-Generational Home in Texas
Buying a home with parents or adult children is becoming more common across Texas. Whether you’re combining households to save money, care for family members, or invest together, financing a multi-generational home comes with unique mortgage considerations. Before you start house hunting, it’s important to understand how lenders evaluate income, credit, debt, and property types…
Read MoreBuying a Home With a Co-Borrower Who Has Lower Credit
Buying a home with a spouse, partner, or family member often means combining finances, but what happens when one borrower has excellent credit and the other does not? This is a common situation, and the way it’s handled depends largely on the type of mortgage you choose. Understanding how different loan programs treat credit scores…
Read MoreHow Student Loans Affect Mortgage Qualification in Texas
If you’re thinking about buying a home and you have student loans, one of the most common questions is whether those loans will count against you in the mortgage approval process. The short answer is yes—student loans are almost always included, even if they are currently deferred. Understanding how student loans are calculated can make…
Read MoreFirst-Time Homebuyer Grant Programs: What You Need to Know About Help with Closing Costs
If you’re a first-time homebuyer wondering if there are programs available to help with closing costs, the short answer is yes there are. But at Liberty Star Mortgage in Fulshear, Texas, we want to make sure you know the full picture before committing to one of these programs. Can Grant Programs Help with Closing Costs?…
Read MoreBuying a Home with a Low Credit Score: What You Need to Know
If you have a low credit score, you may be wondering if homeownership is possible. The short answer? Yes, you can buy a home with a low credit score. But the real question is… should you? That depends on your financial situation, loan options, and long-term goals. What is the Minimum Credit Score to…
Read MoreDon’t Let a 20% Down Payment Freeze You—Explore Your Home Buying Options!
Does the thought of a 20% down payment have you frozen in fear? You’re not alone! Many first-time homebuyers mistakenly believe they need to save a full 20% of the home’s price to make their dream of homeownership a reality. The good news is, that’s not the case! There are plenty of options that require…
Read MoreTexas Benefits for Veteran’s with 100% Disability
As a 100% disabled veteran living in the state of Texas, you may be entitled to a number of benefits that can help improve your quality of life. These benefits are designed to provide financial, medical, and educational assistance to veterans who have been injured or disabled while serving their country. In this article, we…
Read MoreTexas Vet vs. VA Loan
When it comes to purchasing a home in the state of Texas, veterans and active duty military personnel have a few different options for financing. Two popular choices are the VA loan and the Texas Vet program. While both programs offer advantages to those who are eligible, they do have some differences. VA Loan in…
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