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Mortgage Rates and Affordability of Fredericksburg TX Homes

Posted in: Mortgage News/Sources
Residential mortgage rates impact the sales of Fredericksburg TX homes in Gillespie County, as they do in communities throughout the nation.  Most buyers do not pay cash.  They need to qualify for home loans and come up with money for down payments and fees.

The interest rates can make all the difference in the costs of buying real property.  Buyers - both first-time and repeating buyers - rely heavily on the 15-year and 30-year fixed rate mortgages and other mortgage products to buy their homes. 

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Under $150k
$150k - $200k
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Impact of Dodd-Frank Act on Fredericksburg TX Real Estate

Posted in: Mortgage News/Sources
No precise measurements exactly gauge the impact of the Dodd-Frank Act on the Fredericksburg TX real estate market.  What we do know is that this legislation is a burden to lenders and consequently to borrowers.  Many lenders are tightening the restrictions on borrowers even further or charging fees in other ways.

Large portions of the Dodd Frank Wall Street Reform and Consumer Protection Act of 2010 went into effect on January 10, 2014.  The legislation purposefully rains in the mortgage industry.

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Under $150k
$150k - $200k
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Texas Real Estate Investments and Foreclosure

Posted in: Mortgage News/Sources
Investing in foreclosed Texas real estate became commonplace during the past several years since 2005.  Foreclosures are still relatively rare in the Fredericksburg TX real estate market but they occur.  Interested parties are still asking about bargain prices for foreclosures and short sales.  

Say an investor whose principle residence is a home in Austin or San Antonio wants to start investing in Texas real estate by purchasing a Fredericksburg TX home.  The following information may be helpful.  Click title to read more.

Save on Hill Country Homes with 15-Year versus 30-Year Loans

Posted in: Mortgage News/Sources
An increasing number of Hill Country homebuyers and Gillespie County property owners today are choosing the 15-Year fixed-rate mortgage to buy or refinance Texas real estate.  The 15-Year product offers great savings to buyers of Fredericksburg TX homes and borrowers who are refinancing Texas Hill Country real estate.  However, payments can be 50 percent higher with the 15-Year versus the 30-Year loan product.

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Under $150k
$150k - $250k
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USDA Loans to Purchase Texas Land Outside of Fredericksburg

Posted in: Kerrville Area, Mortgage News/Sources
Buyers with low to medium income who are looking for Texas Hill Country real estate for primary homes may want to ponder purchasing Texas land somewhere just outside of Fredericksburg.  That is because the United States Department of Agriculture (USDA) offers buyers money to live in rural areas.  The USDA rules define rural as less than 10,000 people.  Click title for more...

Are Fredericksburg TX Homebuyers Getting Low-Interest Rates?

Posted in: Mortgage News/Sources
Interest rates loom at record low levels and it is a good time to take out 30-year fixed mortgages for Fredericksburg Texas homes.  Yet not all applicants will walk away with interest rates just above three percent.  According to Freddie Mac, the average 30-year fixed-rate mortgage was below four percent during 52 weeks of 2012.  The average 15-year fixed-rate mortgage fell below three percent at the end of May.

The problem for some Fredericksburg homebuyers and those who own existing Fredericksburg Texas real estate is that they are unable to get mortgage products with those really good interest rates.  Click title for more...
View Fredericksburg TX Homes for Sale by Price - Click Below

Under $150k
$150k - $200k
$200k - $300k
$300k - $400k
$400k - $500k
$500k +

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Dale E. Cook, MBA, Broker/Owner

Sage - Premium Texas Real Estate
Chase Bank Building
150 E. Main St., Suite 303
Fredericksburg, TX 78624

830-997-1035 office
830-992-0056 cell

Click Here to Email Us


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