Ralph Tapia

Ralph Tapia My expertise focuses on Residential Mortgage Loans, VA & FHA Loans, Cashout Home Equity Loans, Mortgage Refinances, and Renovation Loans.

Ralph Tapia
Ralph Tapia Mortgage Group, NMLS #1420289
Matador Lending NMLS #1871433
www.nmlsconsumeraccess.org.

Now entering day 3 of the Government Shutdown, coupled with a Delayed Jobs Report due to the shut down, + Plus Weak ADP ...
10/03/2025

Now entering day 3 of the Government Shutdown,
coupled with a Delayed Jobs Report due to the shut down,
+ Plus
Weak ADP Employment Data this week.

All supporting an October Rate Cut Later this month and having a positive effect on Mortgage Rates.

Sideways to slightly down as we finish off this week....if you like sub-5% rates, then a 15yr Note may be your answer.

You have questions, I have answers.
-------------------------------------------

In case you haven't had a chance -- I'm co-sponsoring a Branding Workshop with Kelly Buckner, a Brand Strategist on Ju...
06/03/2024

In case you haven't had a chance -- I'm co-sponsoring a Branding Workshop with Kelly Buckner, a Brand Strategist on June 6th from 10:30a to 12:30p ~ cost is $25, covers the cost of Kelly and lunch will be provided!
Hope to see you there!

Realtor? Looking to grow your Brand? I'm co-sponsoring a Workshop with Kelly Buckner, a Brand Strategist on June 6th fr...
05/27/2024

Realtor? Looking to grow your Brand? I'm co-sponsoring a Workshop with Kelly Buckner, a Brand Strategist on June 6th from 10:30a to 12:30p ~ cost is $25, covers the cost of Kelly and lunch will be provided!
Hope to see you there!

I'm starting to see a lot more of my oil and gas clientle face some guideline challenges, which, can prevent them fro...
02/27/2024

I'm starting to see a lot more of my oil and gas clientle face some guideline challenges, which, can prevent them from getting PreQualified for a Home; even if they have been in the U.S. for some time -- some examples,
1. renewal of their visa status (time remaining < 12 months) or proof of time,
2. US ACH bank statements,
3. seasoning of large deposits (qualifying bonuses, commissions) from non-US based employers, or
4. real-estate they own outside of the U.S.

-- here's a quick high-level guideline of what questions to review with your Loan Officer. -- You Have Questions, I Have Answers.
_________________________________

THE BIGGEST CHALLENGE for current homeowners trying to add an investment property to their portfolio is their projected ...
02/20/2024

THE BIGGEST CHALLENGE for current homeowners trying to add an investment property to their portfolio is their projected Debt-to-Income Ratio exceeding the qualifying limit

Typically, and backed loans, the max DTI limit is 50% (depending on credit profile)

--the Debt Service Coverage Ratio (DSCR) Loan Program helps solve that problem as it
QUALIFIES THE HOME AND NOT THE HOMEOWNER,
as long as projected rents can cover the qualifying mortgage payment (>1.0 DSCR score)

--You Have Questions, I Have Answers.
_________________________________

Trying to line yourself to purchase a home in 2024?? Then you'll need a quick overview of the home financing process -- ...
02/16/2024

Trying to line yourself to purchase a home in 2024?? Then you'll need a quick overview of the home financing process -- every bit of information helps to make the home loan process just a bit easier
_________________________________

Have relatives or colleagues that live out of the U.S. but want to Invest in the US? This Foreign National Loan Program ...
02/10/2024

Have relatives or colleagues that live out of the U.S. but want to Invest in the US? This Foreign National Loan Program is specifically designed for investment properties in the U.S. -- Applicants must live and work Outside the US, have a US-based ACH Deposit Account, 30% down, and property cannot be used as a Primary Residence
----------------------------------

With inventory tight and rates trending upwards, locking in the house today is more important than "waiting" for rates t...
02/10/2024

With inventory tight and rates trending upwards, locking in the house today is more important than "waiting" for rates to come down -- with our BUY NOW & REFI LATER program, if rates drop between now and 06/30/2026, you'll receive exclusive savings when you refinance at a lower rate.
------------------------------------------

Address

5718 Westheimer Road Ste. 1000
Houston, TX
77057

Opening Hours

Monday 8am - 5:30am
Tuesday 8am - 5:30pm
Wednesday 8am - 5:30pm
Thursday 8am - 5:30pm
Friday 8am - 5:30pm
Saturday 9am - 11am

Telephone

+12818810612

Website

Alerts

Be the first to know and let us send you an email when Ralph Tapia 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 Ralph Tapia:

Shortcuts

Share

Category