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Category: Mortgage News

Home Archive by Category "Mortgage News"

Government programs helping to rebuild after natural disasters

December 14, 2017jaymarhouz

Government programs helping to rebuild after natural disasters Natural disasters, like the storms and devastating wildfires, do far more damage than destroying people’s property and lives. They also disrupt local municipal budgets. SOME MIGHT SAY, LOCAL BUREAUCRACY IS FAR LESS IMPORTANT THAN PEOPLE’S HOMES AND POSSESSIONS. THESE LOCAL GOVERNMENTS ARE RESPONSIBLE FOR: police and fire protection schools roads and other…

Does the Fed set mortgage rates?

October 25, 2017jaymarhouz

Does the Fed set mortgage rates? Simple answer: no. The Fed Open Market Committee (FOMC) met this week to decide what they would do with the Federal Funds Rate. This is the rate at which banks and credit unions lend money to each other overnight, from their reserve balances. The Federal Reserve influences the rate at which they lend this money…

Natural disasters bring out the scammers

September 10, 2017No Commentsjaymarhouz

Natural disasters bring out the scammers For every natural disaster, such as the devastation caused by Hurricane Harvey, there are hundreds of scammers emerging from under their damp rocks, seeking to profit from the misery of others.   Here are some of the most commons scams, and how to avoid falling prey to them: Fake rental listings At this writing,…

Watch Out for Fake Home Ads

July 25, 2017No Commentsjaymarhouz

Watch Out for Fake Home Ads With ever-rising rents, scammers are targeting desperate would-be renters through the popular classified ad website, Craigslist. It is important to watch out for fake home ads more than ever.   Variations of scam with a goal to separate unsuspecting people from their money. Here are a few of the most common:   Credit report scam…

Mortgages are About to Get a Little Easier

June 13, 2017No Commentsjaymarhouz

Mortgages are About to Get a Little Easier A change in FICO score reporting and loosening of lender qualifying standards are about to open for many hopeful home buyers. It’s no secret that a low credit score can keep a would-be borrower from qualifying for a home loan. Lenders look first to that critical three-digit number to decide whether to…

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PHONE: (303) 649-1245

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ADDRESS: 10700 E Geddes Ave, Suite 155 Englewood, CO 80112

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Terms and Conditions Apply. HOUZ MORTGAGE RESERVES THE RIGHT TO MODIFY OR DISCONTINUE PRODUCTS AND BENEFITS AT ANY TIME WITHOUT NOTICE. To qualify, a borrower must be a U.S. citizen or permanent resident in an eligible state and meet Houz Mortgage’s and/or investor underwriting requirements. Not all borrowers receive the lowest rate. To qualify for the lowest rate, you must have a responsible financial history and meet other conditions. Rates and Terms are subject to change at any time without notice and are subject to state restrictions. Licensed by the Colorado Division of Real Estate. Houz Mortgage loans are originated by Colorado Homesmartz, LLC DBA Houz Mortgage, NMLS # 1578407. (www.nmlsconsumeraccess.org)

Lowest rates are reserved for most creditworthy applicants; not all who apply will qualify for the top tiers. Rates and APRs are subject to change and may not be available at the time of lock or loan commitment. Interest rates are subject to potential increases over the life of the loan, once the initial fixed-rate period expires. APR for adjustable rate mortgages are subject to increase after fixed rate period and does not include 3rd party costs or prepaid interest. Please contact one of our Licensed Mortgage Loan Originators at (303) 649-1245 for a customized rate and payment quote.


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COVID-19 Update

March 12: Today, we closed Houz's Englewood office and asked everyone based there to work from home as a precaution due to COVID-19. Houz was prepared for this and is fully functioning during this time. Please do not bring any paperwork to the office and make alternative arrangements by calling (303) 649-1245 or by contacting your personal loan team until further notice.