Dave Your Mortgage Guy

Dave Your Mortgage Guy I offer FHA, VA, Conventional, Jumbo, Hard Money, Bridge, Bank Statement, 1099 loans and more!. 832-689-6012. Call me Today 832-689-6012.

[email protected]
David Krichmar
Top 1% LO nmls #293883
Dave Your Mortgage Guy by
Legend Lending Corp #229421
Equal Housing Vendor I specialize in getting my clients the best mortgage possible. And getting them approved when other banks/lenders have denied them. I offer FHA, VA, Conventional, Jumbo, Hard Money, Bridge, Bank Statement, 1099 loans and more!. [email protected]

David Krichmar Mortgage
Mortgage Tips! Saving youšŸ’°
Helping 1000’s of families for 20+yrs! Top 1% LO nmls #293883
Legend Lending #229421
Equal Housing Vendor

Texas is creating a BIG opportunity for buyers willing to look beyond the traditional housing market. šŸ Foreclosure activ...
09/10/2026

Texas is creating a BIG opportunity for buyers willing to look beyond the traditional housing market. šŸ 

Foreclosure activity is rising, and according to the data highlighted here, Texas stands out because of both the number of distressed properties entering the market and how quickly the foreclosure process moves.

But here’s the part buyers need to understand:
Finding the opportunity is only half the battle. You still need the right financing strategy to actually buy it.

Foreclosures and bank-owned properties can come with challenges that a normal purchase doesn’t—property condition, appraisal issues, repair requirements, tight timelines, and financing restrictions.

That’s where knowing the mortgage guidelines matters.

If you’re considering buying a foreclosure, reach out before you make the offer.

Let’s figure out what financing options could work for the property first.

šŸ“² DM me ā€œFORECLOSUREā€ and let’s talk.

Divorce changes a lot—and your mortgage may be one of the biggest financial decisions you’ll have to make.Who keeps the ...
09/10/2026

Divorce changes a lot—and your mortgage may be one of the biggest financial decisions you’ll have to make.

Who keeps the house? Can you qualify on your own? How do you buy out your spouse’s equity? What if you need to purchase another home? šŸ”

I created my Navigating Homeownership During Divorce guide to help answer those questions and explain mortgage options that many homeowners don’t even know exist.

Inside, I cover topics like:
• Qualifying for a mortgage after divorce
• Buying or refinancing a home in your own name
• Using an Owelty Lien to handle an equity buyout
• Important details to consider in the divorce decree
• Avoiding mortgage and title problems later

Divorce is complicated enough. Your mortgage strategy shouldn’t make it harder.

šŸ“˜ Comment DIVORCE for the book.

Now this is one adorable photo of us that I am allowed to share.  wait, I think I’m allowed to share this.  Crap, I don’...
09/09/2026

Now this is one adorable photo of us that I am allowed to share. wait, I think I’m allowed to share this. Crap, I don’t think I asked. yep, I am in trouble lol. Love you sweetie!

09/09/2026

šŸ šŸ’° Your weekly Mortgage Rate Update is here! šŸ“ˆāœ‰ļø

šŸ“žšŸ“§ Call or email me today to explore your home financing options! As your trusted lender, I’m here to guide you towards the best mortgage rates.

DaveYourMortgageGuy.Com
832-689-6012



09/08/2026

What is an asset-based mortgage loan?

Most people see a difficult mortgage file and think ā€œThis isn’t going to work.ā€I see it and think: ā€œWe just haven’t foun...
09/08/2026

Most people see a difficult mortgage file and think ā€œThis isn’t going to work.ā€
I see it and think: ā€œWe just haven’t found the solution yet.ā€ šŸ”

Some of the best loans I’ve closed started as the ā€œimpossibleā€ file:
āŒ Income doesn’t fit traditional guidelines
āŒ Tax returns create problems
āŒ Credit isn’t perfect
āŒ Property is unusual
āŒ Another lender already said no
āŒ The deal simply doesn’t fit inside the normal box

That’s where knowing guidelines, alternative loan programs, and how to structure a deal becomes incredibly important.
The impossible file is usually just under-worked.
Before you tell a buyer they can’t qualify—or let a deal die—send it to me for a second look.

I love the weird ones. šŸ˜‚

šŸ” Texas buyers finally have something they haven’t had in years: LEVERAGE.Remember the days of bidding wars, waived cont...
09/07/2026

šŸ” Texas buyers finally have something they haven’t had in years: LEVERAGE.
Remember the days of bidding wars, waived contingencies, and buyers fighting over every decent house?

That’s not the Texas market we’re seeing today.
In several major Texas metros, sellers significantly outnumber buyers. More inventory means buyers can be more selective—and sellers may have to compete for you.

That can create opportunities to negotiate:
āœ… Lower purchase prices
āœ… Seller-paid closing costs
āœ… Interest-rate buydowns
āœ… Repairs and concessions
āœ… Better contract terms

Here’s the key: Don’t just shop for a house. Structure the entire deal around the leverage you have.

The right combination of price, seller concessions, and mortgage strategy can sometimes matter a lot more than simply waiting for rates to fall.
Thinking about buying in Texas?

šŸ‘‡ DM me and let’s run the numbers before you make an offer.

I am always thankful for a customer review, especially for one like this!
09/07/2026

I am always thankful for a customer review, especially for one like this!

09/04/2026

How fast can a contingent offer close in Houston?

šŸ” Realtors: What if your commission could cover your down payment?Here’s a mortgage strategy a lot of agents don’t reali...
09/04/2026

šŸ” Realtors: What if your commission could cover your down payment?

Here’s a mortgage strategy a lot of agents don’t realize they can use when buying their own home.

If you’re representing yourself in the purchase, your earned real estate commission may be eligible to be credited toward your down payment and/or closing costs, subject to the loan program and transaction requirements.

So imagine:
You’re buying with a conventional loan requiring 3% down and you’re earning roughly 3% commission on the transaction.

That commission could potentially cover your entire required down payment. šŸ‘€
And this strategy isn’t limited to conventional financing—it can work with FHA and even investment-property financing when structured correctly.

You spend all day helping other people buy homes. Make sure you know the mortgage strategies available when it’s your turn.

Realtor thinking about buying?

šŸ‘‡ Comment ā€œREALTORā€ and I’ll show you how I’d structure it.

Address

Houston, TX

Alerts

Be the first to know and let us send you an email when Dave Your Mortgage Guy posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.

Contact The Business

Send a message to Dave Your Mortgage Guy:

Shortcuts

Share