Port Neches, TX Home Loan
Hundreds of home buyers across Port Neches, TX are ready to buy a home or refinance. Consumers shopping for mortgage rates should always get a minimum of two quotes. Knowing the difference between wholesale mortgage brokers and retail lenders or banks could save you thousands over the life of your Port Neches home loan. When it comes to buying, we have solutions for less than perfect credit and even those with little savings or down payment. To help home buyers overcome challenges we offer more programs and the extra benefit of wholesale rates. We simplify the home buying and refinancing challenges presented by 2024 Port Neches mortgage guidelines. Our mission is to get you approved and into the best home loan Port Neches has to offer. Even if you think you won’t qualify, our highly trained specialists will work with you closely on an individual basis to:
- Review your finances to find a payment you can afford.
- Improve your credit score if needed to qualify.
- Obtain pre-approval to shop for the home of your dreams.
- Secure a loan and purchase your new home!
Home Loan Options
When it comes to Port Neches home loan options we have them all. Every day Port Neches welcomes new home buyers while current residents refinance their homes. Home Buyer Options Home buyers with good credit are settling for our conventional loan with 3% down, some opt to keep the savings in the bank and get a grant to cover the down payment. Our fair and bruised credit borrowers like the FHA mortgage option, programs start with lower credit scores and FHA grant options are still an option pending FICO scores. Refinancing Options When it comes to refinancing your Port Neches, TX home you have options. Rate and term, cash out, and debt consolidation are all common reasons to refinance a home. When mortgage rates drop consumers refinance to a lower rate to save on their payment. Some consumers who have adjustable rate mortgage loans refinance into a fixed rate. Those looking to pay off the mortgage faster will often refinance to a shorter term, example from a 30 year fixed rate to a 15 year fixed or even a 10 year fixed term. When consumers are feeling the stress of high interest credit card debt a debt consolidation refinance might be the right option. Paying off high interest debt into a low 30 year fixed rate makes for the ultimate stress reliever. Consumers are also taking cash from their equity to invest in other properties, take a well needed vacation, or even pay for college tuition.
Home loan experts near Port Neches, TX are standing by and ready to help. Connect with a licensed Port Neches home loan specialist, ask questions, see if you qualify, and get free quotes. Call (888)416-0920
Mortgage Brokers near Port Neches, TX
When it comes to Port Neches, TX home loans, Mortgage Brokers have more options. Regardless of what a consumer thinks, Port Neches Mortgage Brokers offer a wholesale rate and lower costs. Going directly to the bank or a mortgage lender is not a better option. If you are in doubt, it is always a good idea to get a couple of quotes and compare them. If you still don’t understand the difference between wholesale and retail mortgage rates call (888)416-0920. A Port Neches, TX Mortgage Broker will be able to offer you more programs. Banks and Lenders have set mortgage guidelines including set credit score limits. Mortgage Brokers in Port Neches can work with all types of credit scores.
Working around Credit Issues with Top Rated Specialists
The Port Neches home loan team is celebrating its 26th year in business. Our experience allows for consumer mortgage confidence especially with local home buyers and those looking to refinance. We navigate consumers through the mortgage process, explain options and find what choice works best for you.
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Home Loan Benefits in Port Neches, TX
- No Application Fee
- Wholesale mortgage rates
- A+ Rating with the BBB
- Refinance with Cash Out
- Grants for New Buyers
- 5 Star Excellent Rating
Find your Home Loan near Port Neches, TX (888)416-0920.
Port Neches is a city in Jefferson County, Texas, United States. The population was 13,692 at the 2020 census,[4] up from 13,040 at the 2010 census. It is part of the Beaumont–Port Arthur metropolitan area.
The area known as Port Neches was once inhabited by tribes of the coastal-dwelling Karankawa and Atakapa Native Americans. Smith’s Bluff (the future site of Sun Oil and Union Oil of California riverside property) and Grigsby’s Bluff (now Port Neches) were the only two high land bluffs on the Neches River south of Beaumont, whose name is believed to have been derived from the Caddo word “Nachawi”, meaning “wood of the bow”, after Spanish settlers called it Río Neches.[5] Before 1780, Grigsby’s Bluff, specifically that part of Port Neches immediately east of Port Neches Park, had been a Native American town for at least 1,500 years, at first of the Karankawa tribe, whose 7-foot (210 cm) skeletons were often found in the burial mounds there; and after 1650 of the Nacazils, a sub-tribe of the Attakapas, who were a short and stocky people before their extinction about 1780. As of 1841, there were six large burial mounds at Grigsby’s Bluff, size about 60 feet (18 m) wide, 20 feet (6.1 m) tall, and 100 yards (91 m) long, consisting entirely of clam and sea shells, skeletons, pottery shards, and other Native American artifacts. Between 1841 and 1901, all six of the mounds disappeared, a result of human actions. Grigsby’s Bluff became a post office in 1859 (there was also a store and sawmill there), but the office was discontinued in 1893.[6]