First Imperial Mortgage

First Imperial Mortgage NMLS # 224581 At First Imperial Mortgage we have an unparalleled passion for excellence and integrity.

As an exclusively referral-based company, we stake our livelihoods on our quality of service and the relationships we make with our clients and referral partners. It is imperative that our service far exceeds our competitors’ and that our rates and costs are the lowest in the industry. As your personal adviser's we will create a loan program based on your individual home financing needs.

09/02/2026

US HOA Costs Demand Closer Review

09/01/2026

Breaking down barriers to achieve the American dream: How first-time homeownership is possible
Let’s connect and talk about the latest insights in the industry!

08/31/2026

Reverse Mortgages: Should Retirees Consider One?

How to Get a 4% Mortgage Rate in 2026?Every year, I field questions from clients about how to secure the most competitiv...
08/30/2026

How to Get a 4% Mortgage Rate in 2026?
Every year, I field questions from clients about how to secure the most competitive mortgage rates—especially as market conditions shift. For those eyeing 2026, the average 30-year fixed mortgage rate is projected to sit around 6.7%. Yet, there are still ways to approach that elusive 4% mark, even though it’s become quite rare. Options worth considering include government-backed loans, shorter-term products, adjustable-rate mortgages, purchasing discount points, or negotiating seller concessions. All of these routes require strong credit and a low debt profile—qualities I regularly help my clients develop and showcase. Having worked in the Houston mortgage market for over two decades, I’ve seen how a tailored strategy and a thorough understanding of loan products can open doors, even in tighter markets. If you’re preparing for your next purchase or refinance, let’s talk about how these options might fit your goals.
https://www.roomvu.com/agent-news/taff-leroy-weinstein-2133356/1907328-How-to-Get-a-4%25-Mortgage-Rate-in-2026%3F

Here's how much income is needed to afford a typical Houston home in 2026As someone who’s called Houston home all my lif...
08/29/2026

Here's how much income is needed to afford a typical Houston home in 2026
As someone who’s called Houston home all my life—and spent over two decades in the mortgage world—I always keep an eye on the numbers that matter for our community. For 2026, homebuying here has become a bit more accessible: the average income needed to purchase a typical Houston home is now $109,796. That’s a step in the right direction. About 34.2% of listings are considered affordable, climbing from 30.5%. For those looking at starter homes, the average income needed is $70,693. These shifts mean more options for families and first-time buyers looking to put down roots in our city. Having helped guide thousands through the mortgage process in the Houston Heights and beyond, I know each percentage point can open new doors for neighbors ready to make their move.
https://www.roomvu.com/agent-news/taff-leroy-weinstein-2133356/1885164-Here%27s-how-much-income-is-needed-to-afford-a-typical-Houston

Mortgage rates ease to seven-week low as buyers return to marketWe’re seeing a notable shift in the market: the 30-year ...
08/28/2026

Mortgage rates ease to seven-week low as buyers return to market
We’re seeing a notable shift in the market: the 30-year fixed mortgage rate has eased to 6.43%, marking a seven-week low, while the 15-year rate is now at 5.79%. As someone who’s called Houston Heights home for nearly two decades and helped guide hundreds of clients through every type of loan scenario, I know firsthand how these rate drops can open up real opportunities. With improved affordability, more available inventory, and home-price growth slowing, purchase demand is picking up steam. Whether you’re considering a conventional mortgage, VA loan, or exploring investment properties, these trends are worth watching as you plan your next move in Houston’s dynamic market.
https://www.roomvu.com/agent-news/taff-leroy-weinstein-2133356/1789500-Mortgage-rates-ease-to-seven-week-low-as-buyers-return-to-ma

08/27/2026

US Bad Credit Home Loan Paths
Navigating a home purchase with less-than-perfect credit can feel daunting, but there are still options on the table if you know where to look. Over my years helping fellow Houstonians secure mortgages—whether conventional, FHA, VA, jumbo, or otherwise—I've seen firsthand how a strategic approach makes all the difference.

Recent numbers show the average U.S. mortgage holder’s credit score is 711, and about two-thirds fall between 661 and 850. For conventional loans, lenders typically look for scores around 620, but government-backed programs sometimes allow for lower scores, especially if you can put more cash down. Veterans may find VA loans especially helpful, sometimes requiring no down payment at all, while other government-backed options might need as much as 10% down for lower credit levels.

Want to boost your approval odds? Focus on a stronger down payment, keep your debt-to-income ratio around 36% or less, review your credit report for errors, pay down those credit cards, and always pay bills on time. When it’s time to apply, compare a few preapprovals within a 14-day window. And most importantly—don’t take a deal that puts your payments above 30% of your income or strains your savings. Experience has taught me that sustainable homeownership is the goal, not just getting the keys.

08/26/2026

Reverse Mortgages: 4 Key Checks
In my years working with homeowners in Houston, I’ve seen how reverse mortgages can unlock home equity without requiring monthly principal or interest payments—as long as you stay in your home and keep up with your obligations. U.S. options include the federally insured version, private-lender programs for higher-value homes, and single-purpose loans focused on property taxes or home repairs. While the proceeds aren’t considered taxable income, it’s important to look closely at factors like your future moving plans, ongoing taxes, insurance, maintenance costs, the impact on your heirs, and eligibility for certain benefits. Some key drawbacks: your debt increases over time, upfront and recurring costs can be significant, and your heirs may receive less from your estate—or face foreclosure if taxes, insurance, or upkeep aren’t maintained. Before making a decision, I always encourage clients to compare all their options: refinancing, home equity lines, reducing expenses, seeking government assistance, or even downsizing. As someone who’s helped guide hundreds of families through mortgage decisions, I know how vital it is to view all angles—and to consider advice from an independent financial advisor before moving forward.

08/25/2026

Mortgage Refinance!
Refinance Your Mortgage & Save on Interest!

08/25/2026

The $0-down-payment mortgage that isn't too good to be true
As someone who’s been guiding homebuyers through the mortgage process since 2002—and as a Navy veteran myself—I’ve seen firsthand how tough today’s market can be when the average U.S. home price has climbed to $514,600. Many clients ask if $0-down-payment mortgages are real, and the answer is yes, for those who qualify. VA loans, designed for veterans and active-duty service members, offer a true zero down payment option, though they do come with a funding fee. USDA loans are another route, aimed at buyers in eligible rural areas, but they have both income and location restrictions. My experience as both a broker and a real estate investor here in the Houston Heights has taught me that understanding these options—and their fine print—can make all the difference for buyers trying to get a foothold in today’s challenging market.

Address

927 Studewood #200
Houston, TX
77008

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm

Telephone

+18327942136

Website

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