First Time Home Buyer Tips

Essential advice and practical guidance designed specifically for first-time homebuyers. Navigate the mortgage process and homebuying journey with confidence by learning about each step, from pre-approval and choosing the right mortgage to making an offer and closing the deal. Discover helpful tips on budgeting, finding the perfect home, understanding mortgage rates, and avoiding common mistakes. Our comprehensive resources will equip you with the knowledge and tools you need to make informed decisions and turn your dream of homeownership into a reality.

mortgage wire fraud

Wire Fraud Alert: Protect Yourself During Your Mortgage Transaction

At Liberty Star Mortgage, we take your safety seriously and we want to help you protect your hard-earned money during your homebuying journey, and we need to talk about something that could cost you big—wire fraud. What is Wire Fraud? Wire fraud occurs when a scammer tricks you into wiring your money to the wrong…

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A First-Time Homebuyer's Guide to Home Warranties

A First-Time Homebuyer’s Guide to Home Warranties

As a first-time homebuyer, you’re likely overwhelmed with all the decisions you need to make. One of the most important, yet often overlooked, aspects of buying a home is understanding what a home warranty is and why you might want one. What is a Home Warranty? A home warranty is a service contract that covers…

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6 Tips For After You Close On Your New Home

6 Tips For After You Close On Your New Home

Congratulations on closing your new home! This is a huge milestone, but the journey doesn’t stop here. To help ensure your transition into homeownership is smooth and stress-free, here are six essential tips to follow after you’ve closed on your new home.   1. Request Both Paper and Electronic Copies of Your Closing Documents When…

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Is Your HOA Payment Included in Escrow? Understanding What to Budget For

Is Your HOA Payment Included in Escrow?

When buying a home, there’s often confusion about what’s included in your escrow account, particularly regarding Homeowners Association (HOA) dues. Many people assume that, like property taxes and homeowners insurance, their HOA fees will be collected monthly as part of their escrow payments. However, this is a common misconception. HOA Payments and Escrow: What’s the…

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HOW Your Tax Rate Can Impact Your Monthly Mortgage Payment by HUNDREDS!

How Does Your Tax Rate Impact Your Monthly Mortgage Payment? | Mortgage Math with Collette

Welcome to Mortgage Math, with Mortgage Expert, Collette Horton! Let’s break down how your tax rate significantly impacts your monthly mortgage payment. Sometimes it can mean the difference of HUNDREDS of dollars per month!     When you’re planning to buy a home, one of the most crucial factors to consider is how your tax…

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4 homebuyer tips everyone should know

4 Home Buying Tips Everyone Should Know

Buying a home is one of the most significant financial decisions you’ll ever make. To help you navigate this journey, we’ve compiled four essential tips that every homebuyer should know. Whether you’re a first-time buyer or looking to upgrade, these insights will ensure a smoother and more successful experience. 1. Get Pre-approved Before You Start…

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9 Tips for First-Time Home Buyers in houston

The Essential Guide for Houston First-Time Homebuyers

Buying your first home in Houston is an exciting milestone, but it can also be a daunting process filled with new terminology and important decisions. To help you navigate this journey, we’ve put together an essential guide for first-time homebuyers in Houston. Follow these steps to make your home-buying experience as smooth and enjoyable as…

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Why You Should Avoid Big Purchases Before Closing on Your Home

Why You Should Avoid Big Purchases Before Closing on Your Home

Buying a home is a major milestone, and the process can be both exciting and stressful. One crucial aspect to keep in mind is the impact of your financial decisions leading up to the closing date. Making big purchases before closing on a home can jeopardize your mortgage approval and delay your move-in date. Here’s…

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The Ultimate Roadmap to Homeownership: A Step-by-Step Purchasing Pathway

A step-by-step game plan for what to expect from initial consultation all the way through to the closing of your home. 1. Initial Appointment The purpose of the initial appointment is to understand your “needs and wants” as a buyer. This may be the most critical meeting of the home buying process. During this appointment,…

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Book a one-on-one consultation with Loan Officer, Collette Horton, to discuss your mortgage options and find the perfect loan for your needs.

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Main Number:
(281) 558-0004

Fulshear Locations:
30417 5th Street, Suite B
Fulshear, TX 77441

5757 Flewellen Oaks Lane, Suite 104
Fulshear, TX 77441

Sherry Collette Horton , NMLS #290357

Important Information about Procedures for Opening a New Account
To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account (e.g., establishes a formal relationship by means of a loan application) What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver's license or other identifying documents.
No statement on this website should be considered a commitment to make a loan. Loans are subject to borrower qualifications, including income, property evaluation, sufficient equity in the home to meet LTV requirements, and final credit approval. Approvals are subject to underwriting guidelines, interest rates, and program guidelines, and are subject to change without notice based on applicant's eligibility and market conditions. Refinancing an existing loan may result in total finance charges being higher over life of loan. Reduction in payments may reflect longer loan term. Terms of the loan may be subject to payment of points and fees by the applicant.