Houston Mortgage Company Donates To Harvey Hero

Houston Mortgage Company Donates To Harvey Hero

Houston, TX – OneTrust Home Loans a Houston Mortgage Company donates to a Harvey Hero $33,450 in home repairs to United States Marine Corps veteran Dexter Gasery for his heroic efforts during the Hurricane Harvey disaster.

Houston Mortgage Company Donates To Harvey Hero because Dexter Gasery put others before himself

During the disaster, Gasery went above and beyond to help his local neighbors. He rescued an elderly woman and her dogs from her home, escorted a family of five to the main road outside of the flooded Laura Koppe neighborhood, and coordinated efforts with police and firefighters to identify those that required medical attention amongst the sheltered at the local school. Gasery also assisted local authorities in combing the area to find those that needed rescue. During the search he discovered a mother and her 18-month old baby and brought them to safety.Houston Mortgage Company Donates To Harvey Hero

The donation will go towards rebuilding Gasery’s home, which experienced severe damage due to the hurricane. The OneTrust Home Loans leadership team, including CEO Josh Erskine, and contractors participating in the rebuild, visited Gasery’s home late last month to present the donation check.

Ian Milefchik, Mortgage Loan Originator at the Houston branch, presented Gasery to the OneTrust Home Loans executive team as a nominee for the company’s Hurricane Harvey Hero program. Milefchik helped Gasery purchase his first home in the summer of 2016. After seeing a post shared by Gasery on social media, Milefchik reached out to offer a lending hand to salvage whatever was left of Gasery’s home. Shocked at the level of devastation Gasery’s home endured, Milefchik recalled how excited Gasery was when he first purchased the home. After witnessing Gasery’s grateful attitude at being able to have helped others during the hurricane, Milefchik was compelled to find a way to help Gasery rebuild his home and nominated him for the program.

About OneTrust Home Loans

OneTrust Home Loans is a privately-owned direct lender with sales and operations across the country. The mortgage lender provides an array of loan options including Conventional, FHA, VA, USDA, Jumbo and more. OneTrust Home Loans places special importance on customer service as evidenced by their tagline, Service is Everything!® For additional information visit www.OneTrustHomeLoans.com.

Home Loan Approval

Home Loan Approval vs. Pre-Qualified Applicant

 

Hi. It’s Mack with One Trust Home Loans and thanks for being here. My NMLS number is 208691. And today, we’re going to talk briefly about being pre-qualified verses a home loan approval. You know, we find ourselves in a very tight inventory for houses that are for sale. It is very competitive out there. If you’re a first-time home buyer, it can be very challenging to find a home not only in your price range, but when you do, you find that you’re competing with other buyers.

Having a Home Loan Approval gives Buyers an Edge over Other Pre-Qualified Applicants

One thing that I know that will give first-time home buyers an edge in the market and even, you know, move-up buyers is to be pre-approved versus just pre-qualified. Now, in my 25-year career, the process for most home buyers starts with a pre-qualification wherein, you apply online or you apply in person, and we spend some quality time together, and discuss your goals. And we make sure that those goals are achievable based upon the income, the assets and make sure that the goals are achievable even within the framework of what you define for us with regards to your specific goals for down payment, closing costs and monthly payment.Loan Approval Process

Loan Approval Process Documents

Now, the home loan approval process takes the pre-qualification process several steps further. So, not only do we complete the loan the application,

Having A Home Loan Approval vs. Pre-Qualifed Applicantspend some time together and define your goals, but then we also put together the financial documents that are necessary to support the application, which include your W-2s for the most recent 2 years, pay stubs equal to 1 month’s income, 2 years tax returns, 2 months bank statements, appropriate identification, and some other items.  You can find a link with an approval checklist here on my video blog.

Now, what we do with that information is we not only just— Not only do we take and review it, but we submit your financial documents to an underwriter and request that the underwriter give us a pre-approval. And then we issue a pre-approval letter to you. And that letter in and of itself in a competitive situation where you are competing with other buyers can  make a difference in whether you get the property versus another person that didn’t take the process, that extra step to reassure a seller that you are indeed qualified to purchase a home.

I hope this was helpful. Please leave a comment and please tell us if there’s any of the material that you think would be of value to you that you would like to know more about. I’d be glad to share it with you. Thanks a lot.

FREE Guide To Your Dream Home

Free Guide to Your Dream Home

Our FREE Ultimate Guide to Your Dream Home will help educate and empower buyers to make smart decisions when navigating the home buying process. We recommend starting with our Free Guide to Home ownership where we’ll guide you through 9 steps towards a successful home buying process.

Free Guide to Your Dream Home takes You Step by Step

  1. Examine Your Financial Situation
  2. Get Pre-Approved
  3. Dream-up Your Dream Home
  4. Finding The Right Real Estate Agent
  5. Making An Offer On Your Dream Home
  6. The Home Loan Process
  7. Get A Home Inspection
  8. Closing
  9. Moving Into Your Home

We start with the process of self-examination of your existing finances by beginning with a budget to help assess changes and preparations needed to insure affordability. You’ll find a budget worksheet along with links to Credit Karma and FREE Annual Credit Report for a quick peek at your credit.

Next, we review the importance of having your loan approved in advance along with a Dream Home Checklist to help nail the right home to meet your wants and needs.FREE Guide to Your Dream Home

In addition, you’ll discover how your Real Estate Agent works for you,  the importance of the home inspection, closing on your loan, moving, home inspections to the all important, Do’s and Don’ts during the loan process.  All this and more in one simple and easy to read, downloadable guide.

Click Here for Your FREE Copy

Calcon Morggage LLC, dba OneTrust Home Loans is an equal housing lender; NMLS #46375:  3131 Camino Del Rio North Suite 1680, San Diego, CA 92108.  Corporate phone (888) 488-3807.  For more licensing information visit:  https://onetrusthomeloans.com/licensing-information/.  All products are not available in all states.  All options are not available on all programs.  All programs are subject to borrower and property qualifications.  Rates, terms and conditions are subject to change without notice.

Mack F. Blankenship is a Mortgage Loan Officer at Onetrust Home Loans, 1345 Campbell Rd., #222, Houston, TX 77055.  Phone:  (346) 223—0336; NMLS #208691:  https://www.facebook.com/mortgeagemack/

Equal Housing Lender

Home Loans For Disaster Victims

Home Loans for Disaster Victims

Hi. My name is Mack with One Trust Home Loans and welcome. My NMLS number is 208691 and today, we’re going to talk about home loans for disaster victims also called the Disaster Relief Mortgage, otherwise known as FHA 203h

If you or someone you love or know has been displaced as a result of a disaster within a Presidential Declared Disaster Area and whose home has been damaged and/or destroyed, you could be eligible for this special financing. This program does not require a down payment and has very flexible guidelines with regards to income, credit, and assets.  In addition, FHA 203(h) also allows for seller contribution up to 6% of the sales price.

Home Loans for Disaster VictimsHome Loans for Disaster Victims it Could be Zero Down

You could move in for as little as zero or for as little as it might take to rent a new apartment or a new home.  Again, the program is available in Presidential Declared Disaster Area to persons that were renters or homeowners whose homes were destroyed and/or rendered unlivable. The loan program is available for 1 year after the declaration of disaster. And if you think you might be eligible and would like to have more information, please reach out to us at mortgagemack.com or mack@onetrusthomeloans.com or please leave a comment under this video and I will be glad to respond to your comment.

If you have any suggestions for additional material that you think would be important to you, I would love to hear from you.

Thank you. Have a great day.

Calcon Morggage LLC, dba OneTrust Home Loans is an equal housing lender; NMLS #46375:  3131 Camino Del Rio North Suite 1680, San Diego, CA 92108.  Corporate phone (888) 488-3807.  For more licensing information visit:  https://onetrusthomeloans.com/licensing-information/.  All products are not available in all states.  All options are not available on all programs.  All programs are subject to borrower and property qualifications.  Rates, terms and conditions are subject to change without notice.

Mack F. Blankenship is a Mortgage Loan Officer at Onetrust Home Loans, 1345 Campbell Rd., #222, Houston, TX 77055.  Phone:  (346) 223—0336; NMLS #208691:  https://onetrusthomeloans.com/lo/mblankenship https://www.facebook.com/mortgeagemack/