Next Step Home Loans, LLC is a mortgage broker headquartered in Houston but we can offer our programs and mortgage services throughout the entire State of Texas. We are a preferred mortgage broker for some of the top mortgage wholesale lenders in the country and we use that preferred status to offer our clients and referral partners the most competitive rates and programs in the industry.
We also offer the most advanced technology available to make the application process as easy and efficient as possible. Our typical turn time from contract to close is around 3 weeks. In order to better educate the community, we work closely with local real estate brokers, builders, and title companies to offer training classes for their sales force.
We also offer the most advanced technology available to make the application process as easy and efficient as possible. Our typical turn time from contract to close is around 3 weeks. In order to better educate the community, we work closely with local real estate brokers, builders, and title companies to offer training classes for their sales force.
Services
Need financing options on a home, or other real estate? Choosing a purchase loan product that matches your goals and making sure you get the best rate for your given scenario can feel like playing whack-a-mole. We're here to make the home loan process a whole lot easier, with tools and expertise that will help guide you along the way, starting with a FREE pre-approval letter request.
The traditional 30-year fixed-rate mortgage has a constant interest rate and monthly payments that never change. This may be a good choice if you plan to stay in your home for seven years or longer. If you plan to move within seven years, then stable-rate loans are usually cheaper.
We're here to make the home loan process a whole lot easier, with tools and expertise that will help guide you along the way, starting with our FREE 30-Year Fixed Rate Mortgage Qualifier.As a rule of thumb, it may be harder to qualify for fixed-rate loans than for adjustable rate loans.
We're here to make the home loan process a whole lot easier, with tools and expertise that will help guide you along the way, starting with our FREE 30-Year Fixed Rate Mortgage Qualifier.As a rule of thumb, it may be harder to qualify for fixed-rate loans than for adjustable rate loans.
This loan is fully amortized over a 15-year period and features constant monthly payments. It offers all the advantages of the 30-year loan, plus a lower interest rate and you'll own your home twice as fast. The disadvantage is that, with a 15-year loan, you commit to a higher monthly payment. Many borrowers opt for a 30-year fixed-rate loan and voluntarily make larger payments that will pay off their loan in 15 years.
An ARM is an Adjustable Rate Mortgage. Unlike fixed rate mortgages that have an interest rate that remains the same for the life of the loan, the interest rate on an ARM will change periodically.
The initial interest rate of an ARM is lower then that of a fixed rate mortgage, consequently, an ARM maybe a good option to consider if you plan to own your home for only a few years; you expect an increase in future earnings; or, the prevailing interest rate for a fixed mortgage is to high.
The initial interest rate of an ARM is lower then that of a fixed rate mortgage, consequently, an ARM maybe a good option to consider if you plan to own your home for only a few years; you expect an increase in future earnings; or, the prevailing interest rate for a fixed mortgage is to high.
An FHA loan is a mortgage loan that is insured by the Federal Housing Administration (FHA). Essentially, the federal government insures loans for FHA-approved lenders in order to reduce their risk of loss if a borrower defaults on their mortgage payments.
The FHA program was created in response to the rash of foreclosures and defaults that happened in 1930s; to provide mortgage lenders with adequate insurance; and to help stimulate the housing market by making loans accessible and affordable.We're here to make the FHA home loan process a whole lot easier, with tools and expertise that will help guide you along the way, starting with our FREE FHA Loan Qualifier.
The FHA program was created in response to the rash of foreclosures and defaults that happened in 1930s; to provide mortgage lenders with adequate insurance; and to help stimulate the housing market by making loans accessible and affordable.We're here to make the FHA home loan process a whole lot easier, with tools and expertise that will help guide you along the way, starting with our FREE FHA Loan Qualifier.
Reviews (10)
Julie Zachary
Dec 15, 2021
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Brooke Ballard
Aug 30, 2021
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Positive: Professionalism, Quality, Responsiveness, Value
Mark made me feel like I was his own daughter he was helping to purchase her first home. He still a year later always stays in touch and if I need him he will answer my calls. Thankful to have someone to put me at ease through the crazy home buying process.
Mark made me feel like I was his own daughter he was helping to purchase her first home. He still a year later always stays in touch and if I need him he will answer my calls. Thankful to have someone to put me at ease through the crazy home buying process.
Kerry Roper
Aug 29, 2021
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Holly Grant
Aug 29, 2021
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Thank you Mark and team for all you did to help our refinance go as smooth as possible. We really appreciate how you stayed in close contact with us every step of the way making sure we understood the process by sharing the video explanations. I can't say enough good things about our experience. We will be sending others your direction!
Corinne Fair
Jul 07, 2021
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Positive: Professionalism, Quality, Responsiveness, Value
Next Step Home Loans was so helpful in every aspect of my journey. Mark was always helpful in explaining each part and never thought less of me for asking questions or not understanding right away. They were professional, quick and just plain good old fashion trustable quality!!!!
Next Step Home Loans was so helpful in every aspect of my journey. Mark was always helpful in explaining each part and never thought less of me for asking questions or not understanding right away. They were professional, quick and just plain good old fashion trustable quality!!!!
Rachael Yates
Jun 26, 2021
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Finance and loans have always been a terrifying subject for me. When it came time to refinance my house, I didn’t know where to begin. After talking with a few of the “big name” companies and being severely pressured and even threatened into something I knew wasn’t right, I was lucky enough to receive a recommendation for Mark and Next Step Home Loans. I can’t sing their praises enough! The entire process has been seamless, quick, stress free and educational. Mark has an ability to explain things simply and calmly, without putting you under pressure or making you feel inadequate. Each
Holly Lamarche
Jun 21, 2021
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Gspeed
Jun 13, 2021
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Mark at Next Step Home Loans was a pleasure to work with. I am a first time home buyer and Mark took the time to answer my questions in detail and educate me on processes and procedures. His responsiveness and professionalism was outstanding and I look forward to using Mark and Next Step Home loans in the future. Highly recommend to anyone.
Katie Roper
May 21, 2021
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My husband and I were buying our first home and we had no idea where to even start or what to expect during the process. Mark helped me and my husband navigate our first home purchase and we could not be more thankful!! He helped us understand the process and with each step, sent us really helpful videos that told us what to expect. He was always available for questions and made us feel so at ease with a process that we expected would be extremely stressful. It wasn't stressful at all. We can not speak any more highly of Mark and his team - knowledgable, efficient, informative... and they really
Bryandroper
May 20, 2021
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Positive: Professionalism, Quality, Responsiveness, Value
This was the first home purchase for my wife and me and Mark helped us the whole way. I could not have had a better experience from start to finish with Next Step Home Loans. If there ever comes a time that we will need to move, I will without a doubt come back to Next Step Home Loans! Thank you from the bottom of our hearts!
This was the first home purchase for my wife and me and Mark helped us the whole way. I could not have had a better experience from start to finish with Next Step Home Loans. If there ever comes a time that we will need to move, I will without a doubt come back to Next Step Home Loans! Thank you from the bottom of our hearts!
