Tristan Trevino - Mortgages

04/15/2025

A conventional loan is a type of mortgage that is not insured or guaranteed by the federal government, unlike government-backed loans such as FHA, VA, and USDA loans. This means that the lender assumes the risk of the loan and borrowers are required to meet certain eligibility criteria and financial requirements. To learn more or to get started, contact me today!
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https://bit.ly/4c3fJX8

03/26/2025

Sip, Socialize & Supercharge Your Business!
📍 Morton’s Steakhouse – Downtown
📅 April 30th 2025
⏰ 3:00 PM – 7:00 PM

🔥 Realtors, this one’s for you! 🔥

Step into an exclusive evening of fine wine, top-tier networking, and powerful mortgage strategies to help you close more deals in 2025! 🍷💰

✨ What’s in store?
✅ Premium Wine & Gourmet Bites – Because business tastes better with a glass in hand!
✅ Insider Mortgage Secrets – Learn the latest loan products & financing strategies from industry pros!
✅ Elite Networking – Connect with top realtors, lenders & industry leaders to grow your business!

🎤 Featuring JetMo Experts – Get the inside scoop from the best in the biz!

🚀 Space is limited – RSVP NOW! 🚀

https://www.eventbrite.com/e/wine-mortgages-tickets-1292985868539?aff=oddtdtcreator

03/17/2025

"Stay Focused On The Goal And Make The Past A Lesson"

02/08/2025

Did you know that many first time buyers can get approved for up to $5,000 grants for down payment, closing costs, appraisal, and home warranty. Keep more money in your pocket for furniture, home improvement projects, your emergency fund, and more.

Apply at jetmo.com to see if you are eligible

04/06/2023

Many folks wonder what exactly affects my credit scores and what can I do to make sure my credit scores stay high?

Items like new lines of credit, history, and the type of liabilities (auto loans, credit cards, personal loans, etc.) do affect it. but to a lesser extent. The overwhelming majority of factors remain payment history, meaning on-time or late payments, and how much you owe or more specifically how high your balance is versus your max credit line.

All things being equal, you will want to make sure you always make on-time payments on all debts/liabilities as well as avoid maxing out any lines of credit, like credit cards. When you start having late payments and your balances end up near max, that's when you will often see your credit scores drop anywhere from 10 points to 100+ points.

All of this we can go over together to ensure your scores stay high and help you pre-qualify for a mortgage, which involves assessing your income, expenses, and credit score to determine how much you may be able to borrow. We can even run a credit improvement report to see if we can gain some easy score increases immediately!

01/17/2023

I'm hearing from a lot of potential clients that they are not finding a lot of home inventory to choose from right now and are instead looking at new construction homes. Before making an offer you'll want to consult an experienced realtor - we can recommend several we have worked with in the past.

Everyone knows the 80/20 rule - well in home purchases 80% of the negotiations happen upfront with new construction homes because once you sign, that is a legally binding contract that may limit your options when it comes to anything from credits towards your closing costs to having the option to pick your own lender. Ideally, you will want to get both credits from the builder/seller as well as the option to choose any lender (and not lose those credits).

When working with the builder's lender, you may want to note the following:

Higher interest rates: Builder's lenders may offer higher interest rates than other lenders, which can lead to higher monthly mortgage payments for the buyer.

Limited loan options: Builder's lenders may only offer a limited selection of loan products, so buyers may not be able to find the best loan for their needs.

Limited negotiability: Builder's lenders may not be willing to negotiate terms or interest rates, which can make it difficult for buyers to get the best deal.

Conflict of interest: Builder's lenders may have a conflict of interest when it comes to the buyer's best interests, as they may prioritize the builder's financial gain over the buyer's needs.

Lack of transparency: Some builder's lenders may not provide full disclosure of all fees and costs associated with the loan, which can make it difficult for buyers to compare options.

Limited choice of title company: Builder's lenders may have a preferred title company that they work with, which can limit the buyer's options and may not be in the buyer's best interest.

Limited appraisal options: Builder's lenders may use their own appraisers, which can limit the options available to the buyer and may not be independent.

Limited options for homeowners insurance: Builder's lender may have a preferred insurance company that they work with, which can limit the options available to the buyer.

I will always work on your behalf and I do not get paid based on the interest rate - I work with various investors depending on your scenario to get you the best loan program to fit your situation. See the flyer in this post for a sample of those options!

07/28/2022

Mortgage rates finally look to be moving downward, message us for a free itemized estimate for your home purchase or refinance!

The average rate on a 30-year fixed mortgage is 5.60% with an APR of 5.61%, according to Bankrate.com. The 15-year fixed mortgage has an average rate of 4.89% with an APR of 4.91%. On a 30-year jumbo mortgage, the average rate is 5.56% with an APR of 5.56%. The average rate on a 5/1 ARM is 4.23% wit

05/13/2022

In a competitive market, you'll need every edge to get the home you want. One major advantage you can gain is simply be faster than everyone else. In many cases, we can go from start to finish on your home purchase in 10 business days.

Additionally, if we have you pre-approved, we can often get exceptions ahead of time so you could look to still close in 10 days, even if 1099/self-employed