Home Buyers
Achieving The American Dream - Even When Your Credit isn't Perfect!
Your Path to the American Dream: Buying a Home in Texas
Buying a home is more than just a financial transaction—it’s a monumental step toward fulfilling the American Dream. It’s about building a future, creating memories, and establishing a place that is uniquely yours. In the dynamic and competitive Texas housing market, finding the right home can feel like a challenge. But with the right mortgage partner by your side, achieving that dream is closer than you think.
Navigating the Unique Texas Housing Market
Texas is known for its vibrant communities, diverse culture, and a real estate market that’s as vast as its landscape. Whether you’re eyeing a cozy bungalow in Austin, a modern condo in Dallas, or a spacious ranch in San Antonio, the competition can be fierce. That’s why it’s crucial to have a mortgage partner who understands the nuances of the Texas market and can provide the guidance and expertise you need to secure the perfect loan for your new home.
At RMS of Texas, we’re dedicated to helping Texans find their dream homes. Our team has the local knowledge and experience to navigate the complexities of the Texas housing market, ensuring you’re well-positioned to make a competitive offer and close with confidence.
Do You Have a Credit Score Between 550-720?
If you've been turned down before or have been told you can't get a mortgage, don't give up! We have loan programs that may work to get you into the home of your dreams - even if you have credit scores between 550-720 or self-employment work history!
We encourage you to call us to discuss your situation and let's see if we can help you get into that home!
What to Expect During the Home Buying Process
Buying a home is an exciting journey, and we’re here to guide you every step of the way. Here’s what you can expect when you partner with us:
Pre-Approval: We start by helping you get pre-approved for a mortgage. This gives you a clear understanding of your budget and strengthens your position when making an offer on your dream home.
Finding Your Home: With your budget in hand, you can work with a Realtor to find the perfect home in the location you desire. We’ll be here to answer any questions and provide support as you explore your options.
Making an Offer: Once you’ve found your dream home, it’s time to make an offer. In a competitive market like Texas, having a pre-approval letter from a trusted lender can make all the difference.
Mortgage Application: After your offer is accepted, you’ll complete your mortgage application. Our team will guide you through this process, helping you gather and submit all the necessary documentation.
Processing and Underwriting: During this phase, our team works diligently to review your application, verify your financial information, and ensure all requirements are met. We aim to make this process as smooth and stress-free as possible.
Closing the Deal: Finally, you’ll attend the closing meeting to sign the final documents and receive the keys to your new home. Congratulations, you’re now a homeowner!
NOTE: If you've been turned down due to low credit or a unique employment situation or are concerned you will be, don't worry! We may still be able to help you. Click here to learn about our non-traditional mortgage solutions.
Why Trust RMS of Texas as Your Mortgage Partner?
Choosing the right mortgage partner is essential in a competitive market. At [Your Company Name], we’re more than just a lender—we’re your advocate. Here’s why Texans trust us to help them achieve their homeownership dreams:
Local Expertise: We know the Texas market inside and out. Our team understands the unique challenges and opportunities of buying a home in this great state and is here to provide expert guidance.
Personalized Service: We believe in building relationships, not just transactions. Our loan officers take the time to understand your unique needs and tailor our services to help you find the best loan options.
Transparent Process: We pride ourselves on transparency and communication. You’ll never feel left in the dark about where you stand in the mortgage process. We’re here to answer your questions and keep you informed every step of the way.
Commitment to Your Success: Your success is our success. We’re dedicated to helping you find the right mortgage solution to meet your financial goals and achieve your dream of homeownership.
Ready to Start Your Home Buying Journey?
Don’t let the challenges of a competitive market stand in your way. With Robb Hamilton as your mortgage partner, you can confidently navigate the Texas housing landscape and secure the perfect home for your future. Contact us today to learn more about our services and start your journey toward the American Dream!
Robb Hamilton
NMLS# 358150
Broker License #2407110
This material is not provided by, nor was it approved by the Department of Housing & Urban Development (HUD) or by the Federal Housing Administration (FHA). It is not intended to be a substitute for legal, tax or financial advice. Consult with a qualified attorney, accountant or financial advisor for additional legal or tax advice.
*There are some circumstances that will cause the loan to mature and the balance to become due and payable. The borrower(s) must continue to pay for property taxes and insurance and maintain the property to meet HUD standards or risk default. Credit is subject to age, minimum income guidelines, credit history, and property qualifications. Program rates, fees, terms and conditions are not available in all states and subject to change.
Homeowners must be 62 years of age or older and live in the home as their primary residence. Homes must meet FHA/HUD minimum property standards. Borrowers must maintain hazard and flood insurance premiums, property taxes, utilities and make any property repairs. Although there are no mandatory monthly principal and interest mortgage payments, interest accrues on the portion of the loan amount disbursed if no payments are made. Program rates, fees, terms and conditions are not available in all states and subject to change. At the conclusion of a reverse mortgage, the borrower must repay the loan and may have to sell the home or repay the loan from other proceeds. Charges will be assessed with the loan, including an origination fee, closing costs, mortgage insurance premiums and servicing fees. The loan balance grows over time and interest is charged on the outstanding balance. The borrower remains responsible for property taxes, hazard insurance and home maintenance, and failure to pay these amounts may result in the loss of the home. Interest on a reverse mortgage is not tax-deductible until the borrower makes partial or full re-payment.
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