Austin | Houston | Dallas | El Paso Texas Mortgage Company & Home Equity Loan| 30 15 Year Fixed Rates| Texas Mortgage Rates|
If you have a Texas Zip Code we can help you with your mortgage, refinance, or investment property needs. We are based in beautiful Austin, Texas and help people all over the state.
Sometimes the best (and quickest) way to get your mortgage questions answered is to just call us!
In Austin- please call 512-996-8194. In Houston, call 713-589-2244. In Dallas/Fort Worth, please call 972-325-2120.
 We serve all of Texas--from Lubbock to El Paso...Dallas/Ft. Worth to Harlingen. And, of course, Austin! If you have a Texas Zip code we can help with all your mortgage or refinancing needs!
We are an Austin, Houston, Dallas, Fort Worth, East Texas, West Texas Mortgage & Refinance Company. We help people all over the state Refinance or buy homes.
No doubt you have questions like "What type of home loan is best?", "What are today's current 15, 30 year fixed mortgage rates?" or "Is this a good time to refinance my home equity loan?" So just call and let us give you specific answers to your specific loan questions.
If you prefer to drop us a line please do so at jon@mylendingplace.com
 We are a "No Application Fee" Texas mortgage lender! Most retail banks (Bank of America, Chase, or Wells Fargo) charge up to $300-$400 just to apply for a home loan! But with Mylendingplace.com you get the same great rates,-but with much lower fees. Why go anywhere else? As a lic. Texas mortgage broker we OFFER the lowest rates and the best closing cost. Compare our 30 or 15 fixed rates with any of the leading mortgage companies! We simply just don't charge points that you'll see in a retail big-bank environment! Why pay more for the same mortgage programs? Save time and money with Mylendingplace.com!
We have the lowest closing costs around because we don't charge points!  Just a flat rate...depending on your loan amount you'll save up to 75% in lender fees by using mylendingplace.com. Just go to your local Bank of America and see their low rates. We can offer you the same rates but without the origination/discount points! Saving you thousands! It's that simple! Plus we'll close your loan much quicker...and you'll talk to the same people everytime you call.
No PMI Mortgage? Looking for a NO PMI mortgage and only have 5% down? We help lots of people avoid PMI even if they don't have the 20% to put down. Call us for more details as our "NO PMI home loans" require a first and second lien. These loans are great--you just have to have solid credit and low debt ratios so please click the green "apply online" button so we can send you a customized Good Faith Estimate. Remember, one's closing costs are much less with a No PMI loan- this is why so many people choose this type of loan.
As you probably know, there are different types of home loans. There are 15 year fixed rates, 30 year fixed rates and cash out home equity loan rates. We offer them all!
|
"Not only did my home loan close quickly (which was a huge blessing to my family), but also the customer service I experienced during the whole mortgage process was top notch!"
-Austin,Texas Mortgage Client
|
"There are a lot of choices out there but from now on, I'm using Mylendingplace.com for all of my future mortgage loans."
-Dallas, Texas Mortgage Client
|
|
|
Why waste time going from one website to the next when you can make one quick phone call and get everything you need? Your time is valuable so let us bring our years of experience to the table. That's what we are here for! WE ARE LOCAL- RIGHT HERE IN TEXAS!
Did you know that mortgage rates change everyday (sometimes hourly!) so the best way to the most up-to-the-minute mortgage rates is to just call us.
And there's never an obligation or charge when you call.
 Our phone is: 512-996-8194 and we help people all over Texas buy, refinance homes and investment properties. Live in Houston? call us at 713-589-2244.
We have satisfied clients all over Texas, offering up to 95% lending or 80/15 mortgages. In fact, we specialize in "NO PMI" mortgages. To avoid PMI we can do an 80/10, 80/15 (95%) or 80/10/10 (90%) home loan. We have the lowest second lien rates around.
For more information how to get the best mortgage, please watch this short mortgage video: Mortgage Rates
JUMBO HOME LOAN RATES.If you require a "jumbo home loan" (loan over $417,000) call us as we have several banks that specialize in jumbo loans even without PMI (mortgage insurance!
HELOCs and SECOND LIENS As a licensed mortgage broker we have great second lien programs that many retail banks simply don't offer. We also do home improvement loans.
 Need to refinance your home or investment property mortgage? We offer owner-occupied and investment (rental) refinancing. We also offer Texas Home Equity loans or "cash out" mortgages on investment properties.
Whether you're a first time home buyer and need 95% financing, want to put 5% - 10% down on your jumbo mortgage, or just need to get rid of your consumer debt with a Texas Home Equity Loan(cash out) --we can help!
Please take 5 minutes and call us at 512-996-8194 and let us take the legwork out of your home loan search. In Houston, please call 713-589-2244. We don't charge application fees and there's never an obligation. One of the most common compliments we hear is "we wished we would have called you first."
Ask us about second home mortgage rates as well as our special mortgage programs for teachers, nurses, and physicians. We help lots of Texas Teachers and nurses buy or refinance their homes.
As a mortgage broker we offer all types of special mortgage programs.
 If you are a full time Texas teacher (ISD) or nurse you probably qualify for our "reduced closing cost" home loan programs.
These programs are ideal when buying or refinancing because they save you money.
If you are applying for our "teacher mortgage" program you must be either a full time teacher or full time school administrator. The nurse program is open to RNs (registered nurses) only.
 Texas Home Equity Loan refinances (Cash out loans) are for those who want to consolidate their bills into a single tax deductible mtg note.
HOME EQUITY LOANS in TEXAS. Home equity loans help our clients save hundreds each month. Getting out of debt with a home equity loan can be the first step towards becoming debt free. Instead of paying 10-15 creditors each month, consider consolidating your bills into one monthly payment, giving you the "breathing room" you need. On average, our clients save $400-$600/month when they consolidate their bills with a Texas home equity loan.
When you're out of consumer debt you'll have the extra money you need to pay on a 30 year mortgage so it's paid off in 15 years, not 30 years. Refinancing from from a 30 year fixed rate to a 15 fixed rate will save you thousands in interest!
Texas home equity loans or cash out loans have many rules and restrictions.
We help families all over Texas get out of high-interest credit card debt and finally gain control of their money and personal budgets. Used correctly, home equity loans can truly give a family the needed financial leverage to get out of debt and stay out of debt.
Here are just some of the Home Equity Loans Rules: There's the 3% rule, 80% rule, "12-day" rule and "3-day" rule. This is why it's so important to work with an experienced LOCAL mortgage professional on these types of loans. It usually takes us around 15-20 days to close your home equity loan. Imagine being free from all your high-interest credit card debt in 3 weeks!
We do Texas home equity loans in every Texas City: Dallas/Ft Worth, Houston, El Paso, Lubbock, Waco, Harlingen, and of course, Austin, Texas.
People ask us this all the time: Can I do a Investment property refinance and pull cash out of my rental property? Yes! We specialize in investment property (cash out) refinance loans and we never charge mtg application fees. Call us today!
Want to avoid PMI? Call us at 512-996-8194 so we can show you how to avoid PMI, even when doing 95% financing. 
We specialize in helping you achieve your short and long range financial goals and it all begins with having the right mortgage plan.
Need help paying for college tuition and want to avoid student loans? Interested in buying Tx investment property or using real estate to help fuel your retirement income? Your financial needs are our business.
From mortgage application to a smooth "stress free" closing, we work with you every step of the way.
Like to know the today's current mortgage rates or have a specific home equity loan or closing costs question? Email us and ask! We offer the best mortgage rates in Texas.
 Jon Spears
Mylendingplace.com
401 Congress Avenue; Suite 1540
Austin, Texas 78701
512-996-8194 (Austin, Texas Office)
713-589-2244 (Houston, Texas Office)
713-589-2244 (Dallas/Ft. Worth Office)
Texas Mortgage Broker License #56651. Proudly serving Austin, Houston, Dallas, El Paso, Waco, even Muleshoe, Texas! If you have a Texas Zip Code we can you with all your mortgage loan or refinance needs!
|
|
