Premier Mortgage Lender, specializing in Home loans and mortgage refinance since 1987. If you have been turned down for home loan or mortgage refinance by another lender, give us 10 minutes, We say YES when others say NO. We are a government approved lender that specializes in FHA and VA loan products.
Don't let a bank or another lender convince you that you must put 5%, 10%, or 20% down. It just isn't true. In some cases $0 down. Closing costs may be included with the loan so that the only required down payment is 3% of the purchase price. FHA and VA loans allow borrowers even with not-so perfect credit purchase new homes with 3.5% down* and still maintain an excellent interest rate.
Don't let a bank or another lender convince you that you must put 5%, 10%, or 20% down. It just isn't true. In some cases $0 down. Closing costs may be included with the loan so that the only required down payment is 3% of the purchase price. FHA and VA loans allow borrowers even with not-so perfect credit purchase new homes with 3.5% down* and still maintain an excellent interest rate.
Services
An FHA loan is insured by the Federal Housing Administration, a federal agency within the U.S. Department of Housing and Urban Development (HUD). The FHA does not loan money to borrowers, rather, it provides lenders protection through mortgage insurance (MIP) in case the borrower defaults on his or her loan obligations.
Even if you haven't so much as picked out houses to visit yet, it's important to see your mortgage professional first. Why? What can we do for you if you haven't negotiated a price, and don't know how much you want to borrow? When we pre-qualify you, we help you determine how much of a monthly mortgage payment you can afford, and how much we can loan you.
For many buyers, especially first-time buyers, saving up the funds for the down payment can be a seemingly insurmountable hurdle to home ownership. This doesn't have to be the case. As your preferred mortgage company in Corpus Christi Tx, I can help you find creative ways to come up with your down payment.
With a fixed-rate loan, your monthly payment of principal and interest never change for the life of your loan. Your property taxes may go up (we almost said down, too!), and so might your homeowner's insurance premium part of your monthly payment, but generally with a fixed-rate loan your payment will be very stable.
Should you consider financing closing costs, escrow reserves, or other cash needed at closing? If you've built up some equity in your home, when you refinance, you may be able to "cash out" some of that equity to pay off credit cards or other revolving debt, improve your home, help pay for college, or anything else you can think of.
Reviews (9)
Mark Foster
Nov 21, 2019
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I have to say I was a first time home buyer and I knew nothing about the process, Troy Perkins was awesome in walking me through the whole thing. He was very patient with my calls almost daily and he truly believes, as do the rest of the team, in making the process easy as possible. My credit was less than perfect and we had many hurdles to jump, but they never once said no we can't do this. They spent the time and energy getting me the best loan available to me with my credit and I was able to get the perfect house for my family!!! Thank you guys so much for everything you did for us!!
Chandra Garza
Jun 17, 2019
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Candice Fabie
Jun 07, 2019
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If you are looking for a home and need some advice and help on how to go about it, Troy Perkins is the man!! I had little faith in becoming a home owner again, but he walked me through the process and kept in contact with me about the process and told me exactly what needed to be done. As much as I bugged, he was very responsive, punctual, and patient with me! He knew exactly what he was talking about and he got it done!!! This is a man of experience indeed and it was such a pleasure working with him! I would highly recommend him to anyone trying to purchase a home!!! I am once again a homeowner
Eric Martinez
May 11, 2019
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I contacted Troy and his team 2 days prior to my closing date. My bank dropped the ball and Troy was able to get with my realtor and contact the seller and his realtor and was able to extend my closing date and within about 3 weeks I was able to sign. They worked very hard and and were very quick I was very impressed. Thank you again Troy and team because of yal I now have a home for my boys and I. You wont be disappointed great service and team.
Daniel Garza
May 27, 2017
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If you are in the market of buying a dream home I highly recommend "Home loan made easy. Mr. Perkins help us buy our first home when we thought it was impossible due to our pass credit history, Mr. Perkins help us get our credit fix and how to keep it our credit score at its highest point and we were able to buy our first dream home and get the lowest interest rate possible. Six years later we decided to upgrade and again we call Mr Perkins and he help us again to get our coustom home and again got us the lowest interest rate possible. Yes I would highly recommend him to help you get your first
Samuel Adedipe
Dec 22, 2016
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I am a first time home buyer and was referred to Home Loans Made Easy and Troy Perkins. Troy did an awesome job of keeping me in the loop and made everything quick and easy. Troy was easy to get a hold of via email, phone and text, which made it easy to get any and all of my questions answered quickly. I have now been in my home for 2 months and i can't thank Troy enough.
Aaron Romel
Dec 17, 2016
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We are a family of 4 and were a second time home buyer and after living in our previous home for over 10 years we felt it was time for a change. We tried multiple home mortgage lenders to get us approved for our new home but couldn't get approved due to our little to no credit outside of our existing home loan. Once we found Home Loans Made Easy, they did just that and easily approved our new home loan within weeks. We have now lived in our beautiful new home for 6 months now and couldn't be more grateful to everyone there that got the deal done when no one else could. I highly recommend Home Loans
Antauis Byrd
Nov 30, 2016
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I would definitely recommend. I experienced nothing but superb customer service. You can expect prompt updates and a current working knowledge of the home buying process. The process was much smoother working with them. I felt at ease knowing I can come to them with questions. I wish my friends had a better experience like I did.
Kammie Whitworth
Sep 12, 2016
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