Katy & Houston Texas Home Loan

Finance Information

How much home can you afford? Use our finance center to learn about your loan options below. There are several loan programs available, and depending on your credit history, there is bound to be one that is perfect for you. Here are a few examples of the most popular programs offered today:

Fixed-Rate Loans

The fixed-rate mortgage is the most popular mortgage program in use today. Fixed-rate loans offer the borrow a fixed interest rate for the life of the loan, typically 15 to 30 years. Borrowers have peace of mind knowing that their monthly payment will not change over time. Conventional fixed-rate mortgages have underwriting requirements established by Freddie Mac and Fannie Mae, and require certain down-payment and debt-to-equity ratios to qualify. Fixed-rate loans are especially attractive to buyers who plan to stay in their home for more than a few years.

Adjustable Rate Loans

With an Adjustable Rate Mortgage (ARM), the interest rate changes periodically, and payments go up or down accordingly. Rates are tied to an index that reflects the cost of money at any given point in time. Generally speaking, lenders charge a lower initial interest rate for the ARM than for the fixed rate mortgage. If you are expecting interest rates to decrease in the future, or if you are trying to maximize your purchase power today knowing your income will rise in the future, then this loan may be right for you. Adjustable rate loans are attractive for buyers who expect to be in the home for a short period of time.

FHA and VA Loans

The Federal Housing Administration (FHA), offers loans for low-to-moderate-income home buyers. FHA loans have lower down payments, and have relatively easier requirements than conventional fixed-rate mortgages. FHA mortgages have no income restrictions and even those with lower credit scores may be considered. Past bankruptcy does not necessarily disqualify borrowers from using this program!

In addition, the Department of Veterans Affairs (VA) offers a zero-down mortgage program. To take advantage of this program, borrowers need to be among those listed as veterans and service personnel in the U.S. military. One of the biggest benefits of this program is that it eliminates the need for private mortgage insurance!

Local Homebuying Program

There are often many state and local programs available. These programs offer down-payment assistance and programs for local home ownership. Learn more about these local programs, recommended lenders, and other finance options by contacting us today!

Contact Information

Mickie Cioccia
Mickie C. and Company Realty
21320 Provincial Blvd.
Katy TX 77450
281-717-4412 Team@CallMickieC.com
281-948-1718
Fax: 281-717-4482

When you're choosing a REALTOR®, it's important to pay attention to any acronyms they may have behind their name. Those acronyms indicate professional training and education that will benefit you in buying or selling a home.

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Why relocate to Katy Texas?

Katy,Texas has it all! Katy is the best place in the Houston area to live, work. and play!  We have the award winning Katy ISD school district along with great subdivisions. Here are a few of Katy’s Master Planned Communities and Katy Real Estate listings: Cinco Ranch, Cross Creek Ranch, Falcon Point, Falcon Landing, Falcon Ranch, Firethorne, Grand Lakes, Grayson Lakes, Kelliwood, Lakes of Katy, Nottingham Country, Seven Meadows, Westheimer Lakes North and Woodcreek Reserve. From walking trails to enjoying shopping at Katy Mills Mall, LaCenterra or The Villagio! Katy,TX is a family oriented place with lot of actives for the kids. 

Currently Living in Katy,TX or Moving to Katy,TX?

From sell your Katy home to homes for sale in Katy, our Katy Real Estate Team has the marketing and management experience you can count on. Learn more about our Katy Realtors experience and other professional team members that can help you sell your Katy home or if you looking to buy your Katy home. You can also learn more about our Katy Real Estate listings and Houston real estate listings  or Katy & Houston Real Estate Listings

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