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We provide clients with mortgages that transcend common lending standards to develop financial security and advance wealth creation.
Defining a mortgage, the promissory note and the deed of trust, and how they work together.
”That the world after several millennia of steady individual saving, is so poor as it is in accumulated capital-assets, is to be explained, in my opinion, neither by the improvident propensities of mankind, nor even by the destruction of war, but by the high liquidity-premiums formerly attaching to the ownership of land and now attaching to money.”
-John Maynard Keynes
The General Theory of Employment, Interest and Money
Defining and calculating Payment-to-Income, PTI, the most basic measure of a borrower’s ability to repay their mortgage.
https://www.huduser.gov/portal/pdredge/pdr-edge-featd-article-081417.html
Defining and calculating the debt-to-income ratio, DTI, the most common measure of a borrower’s ability to repay a mortgage.
The Debt Service Coverage Ratio, used to qualify investors’ ability to repay on investment properties, can be helpful for non-investors, too.
Why continuous savings is important when considering a mortgage payment and housing affordability.
In this video, we bust a common real estate myth and explain why selling a home shortly after buying can lead to a financial loss.
The purchase price effects the cost of your property taxes, homeowners insurance and mortgage payment for years.
When your purchase offer is accepted, you are under no obligation to use the lender who provided you with the pre-approval letter.
Your mortgage should be built around your goals, not just a rate.
This year I published Make Your Mortgage Matter, a 200 page book explaining the true cost of buying and maintaining a house, how to take advantage of mortgage features that most lenders ignore, and how to protect and grow your wealth through homeownership.
Shockingly high increases in homeowner's insurance renewal premiums are surprising people. It is better to know now rather than when you have accumulated a large shortage in your mortgage escrow account. Find out more in Chapter 3 of Make Your Mortgage Matter.
Mortgage prepayment risk exposure of seller financing and other lenders.
Explaining the distribution of proceeds in the event of a foreclosure.
"...what produces it is too much government spending and too much government creation of money and nothing else." —Milton Friedman
Hohman Finance LLC
NMLS 2591135
6010 West Spring Creek Pkwy, Plano, TX 75024
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