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Key Mortgage

Home
United States
Katy, TX
Key Mortgage

Key Mortgage is a Mortgage Company serving home buyers in Texas and in the greater Houston area. A TOLL-FREE CONSUMER HOTLINE IS AVAILABLE AT 1-877-276-5550.

TEXAS MORTGAGE COMPANY DISCLOSURE:

CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A COMPANY OR A RESIDENTIAL MORTGAGE LOAN ORIGINATOR SHOULD COMPLETE AND SEND A COMPLAINT FORM TO THE TEXAS DEPARTMENT OF SAVINGS AND MORTGAGE LENDING 2601 NORTH LAMAR, SUITE 201, AUSTIN, TEXAS 78705. COMPLAINT FORMS AND INSTRUCTIONS MAY BE OBTAINTED FROM THE DEPARTMENTS WEBSITE AT WWW.SML.TEXAS.GOV. THE DEPARTMENT MA

INTAINS A RECOVERY FUND TO MAKE PAYMENTS OF CERTAIN ACTUAL OUT OF POCKET DAMAGES SUSTAINED BY BORROWERS CAUSED BY ACTS OF LICENSED RESIDENTIAL MORTGAGE LOAN ORIGINATORS. A WRITTEN APPLICATION FOR REIMBURSEMENT FROM THE
RECOVERY FUND MUST BE FILED WITH AND INVESTIGATED BY THE DEPARTMENT PRIOR TO THE PAYMENT OF A CLAIM. FOR MORE INFORMATION ABOUT THE RECOVERY FUND, PLEASE CONSULT THE DEPARTMENT’S WEB SITE AT WWW.SML.TEXAS.GOV.

05/01/2025

Big congratulations to my amazing clients who just closed on their beautiful new home here in Texas — all the way from New York!

It was such a pleasure helping you make this move a reality. Thank you for trusting me to guide you through this huge step. I know you're going to love your new chapter in the Lone Star State!

Huge shoutout to Damaris from K. Hovnanian Homes for being such a great partner throughout the build, and to Sandra Breeland , my incredible realtor partner, for sending this sweet family my way.

Welcome to Texas, y’all!

04/29/2025

🚨 Mortgage scams are real—and they’re sneakier than you think

Here’s how to spot the red flags before you sign anything

1. “Unbelievably low interest rates”
If it sounds too good to be true… it probably comes with fine print that hurts later.

2. Bait & Switch Tactics
You get a Loan Estimate… but then the actual terms look nothing like it? That’s a hard pass.

3. Surprise Prepayment Penalties
Yes, some lenders charge you for paying off your loan early. Wild, right?

4. “Your credit score doesn’t matter!”
It absolutely does. This isn’t Monopoly.

💡Pro tip: Always get a second opinion—and read everything. The fine print is where the drama lives.

📌 Save this for later & share it with someone who needs to see this!

04/23/2025

💵It "Pays" To Get A Cash-Out Refi🏡

If interest rate fluctuations make you uneasy, why not take advantage of a cash-out refinance to replace your current mortgage? Not only can you secure a fixed rate, but you'll also have extra cash to cover various expenses.

Top reasons for considering a cash-out refinance:

✅ Cash On Hand
A cash-out refinance provides you with the flexibility to use the money however you see fit. Whether you want to fund a college education, undertake a home renovation, or treat your family to a well-deserved getaway, refinancing can help you access the funds you need for these important life events.

✅ Pay Off Other Debts
Given that mortgage interest rates are typically lower than those of credit cards, using the money from a cash-out refinance to pay off your credit card bills can be a smart financial move. By consolidating your higher-interest debts into your mortgage, you can save money on interest payments and simplify your finances.

✅ Improve Your Credit Score
Using the proceeds from a cash-out refinance to pay off high-interest credit card debts can positively impact your credit score. By reducing your credit card balances, you lower your credit utilization ratio, which is a key factor in credit scoring models. This can lead to an improvement in your overall credit score, making it easier to secure favorable loan terms in the future.

Let's talk about it! Call me 📞 713-213-0660

04/21/2025

🌞🏡 New week, new chances to say ‘yes’ to the address! I'm here to make sure your homebuying journey starts off on the right foot.

Call me 📞 713-213-0660

04/16/2025

Wishing You a Joyous Passover & a Happy Easter! 🕊️

As families gather to celebrate renewal, freedom, and new beginnings this week, we’re reminded of what truly makes a house a home—love, tradition, and connection.

Whether you're searching for your first home or planning your next move, I’m here to help you open new doors this spring.

Happy Passover & Easter to you and your loved ones!

04/14/2025

Can't Decide Between a Refi and Home Equity Line of Credit?

Did you know that your home can be a great source of ready cash whenever an emergency arises? Two of the most common ways to cash out on your home are cash-out refinancing and home equity loans. Let’s look at the difference between the two to find out which is better for your situation.

A home equity loan provides cash in exchange for the equity you’ve built up in your property, while a cash-out refinance pays off your old mortgage in exchange for a new loan with a lower interest rate. Both can give homeowners much-needed cash based on home equity.

Cash-out is ideal if you need a significant amount of money and intend to stay in your home for at least a year. Home equity loans are best for owners who need access to cash over a while instead of getting a large amount upfront.

Let's talk about it! Give me call 📞 713-213-0660

04/11/2025

No W-2? No problem. 🙌

Business owners, side hustlers, and 1099 earners —you’ve got options.

📌 Bank Statement Loans use your actual income deposits, not your write-off-heavy tax returns.

So yes, that real income you’re bringing in? It can help you qualify for a mortgage.

More people qualify than you think.

Share this with someone who can benefit from this info.

— Tracy, proudly serving Houston as your friendly, local mortgage pro

04/04/2025

🏡 Weekend End To-Do List (Mortgage Broker Edition!) 📝

✅ Relax – You’ve worked hard all week, now it’s time to recharge (with a side of coffee, of course).

✅ Daydream About Your Dream Home – It’s okay, we all do it. 😉 Let’s make it a reality!

✅ Review Your Mortgage Options – Don’t worry, I’ll make it simple! No need to memorize 100-page documents.

✅ Reach Out to a Mortgage Broker – (Hint: That’s me!) Let’s make sure you’re prepared for what’s next in your home buying journey.

Start the week with confidence, knowing you’re one step closer to homeownership! 🏡

04/02/2025

Mortgage loans are like coffee: they come in all flavors! ☕️💵
Find the one that fuels your homeownership dreams—whether you're a fan of steady fixed rates or bold adjustable ones.

03/31/2025

Let’s break down what a contingent offer is: an offer to purchase a home that is dependent on certain conditions being met. These conditions could include the buyer needing to sell their current home, securing financing, or completing a satisfactory home inspection. While some may view contingencies as obstacles, they can actually be strategic steps toward securing a home. Understanding this concept can lead to successful transactions and ultimately, satisfied homeowners.

One of the primary benefits of contingent offers is that they often provide a safety net for buyers. When clients are able to make an offer that includes contingencies, they gain peace of mind knowing that they will not be left in a difficult financial situation should their circumstances change unexpectedly. This assurance can significantly reduce stress throughout the home-buying process, leading to a more enjoyable experience for everyone involved.

While navigating the world of contingent offers, consider the importance of fostering relationships with local mortgage professionals (Hi there 👋). Having a trusted mortgage loan officer to lean on for guidance can lead to a stress-free and enjoyable homebuying process.

Follow this link to read the full article: https://www.keymortgagetx.com/blog/mastering-contingent-offers-your-secret-weapon-for-happy-clients

Still have questions? Call me 📞 713-213-0660

03/25/2025

It’s not magic—it’s preparation! Here’s how you can speed up the process and get that golden “You’re pre-approved!” email in less time than it takes to binge a Netflix series 👇

-> Step 1: Gather Your Docs
Lenders love paperwork, so have these ready:
✔️ Last 2 pay stubs
✔️ Last 2 years of tax returns (if self-employed)
✔️ Bank statements (proof of down payment funds)
✔️ ID & Social Security Number (to pull credit)

-> Step 2: Know Your Credit Score
Most lenders require 620+ for a conventional loan, but the higher, the better! A 740+ score can help you lock in a lower interest rate.

Pro tip: Check your credit report for errors before applying. A small fix could save you thousands over time!

-> Step 3: Avoid Major Financial Moves
🚫 No new car loans 🚫 No big credit card splurges 🚫 No job changes

Lenders want stability—keep your finances steady until that approval is locked in!

-> Step 4: Work With the Right Mortgage Pro
I can turn around approvals in 24 hours or less—but only if you’re ready! Work with someone who knows today’s market and can get you the best deal.

❤️ Save this post for future reference & send it now to someone who needs to see this!

CALL ME 📞 713-213-0660

03/21/2025

HELLO SPRING & HOMEOWNERSHIP! Spring cleaning isn’t just for closets—it’s time to tidy up your finances too! A mortgage broker helps you unlock competitive rates and tailor-fit loan options, so you can step into a new home with confidence.

Call me 713-213-0660 📞

Address

2717 Commercial Center Boulevard
Katy, TX
77494

Opening Hours

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

Website

http://www.keymortgagetx.com/

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