The Christine Pervan Home Team serving TX and LA.

The Christine Pervan Home Team serving TX and LA. Proudly serving as a Homes for Heroes Mortgage Specialist and Local Mortgage Lady since 2014 Mortgage Specialist proudly serving TX and LA.

Mid America Mortgage - Trusted Mortgage Lender since 1940
www.midamericamortgage.com/christine-pervan

There are no “dumb” mortgage questions. Only expensive assumptions.Buying a home is a huge decision, and most people hav...
04/30/2026

There are no “dumb” mortgage questions. Only expensive assumptions.

Buying a home is a huge decision, and most people have at least a dozen things they’re quietly wondering before making a move.

Here are a few questions I hear most often:
✅How much do I actually need for a down payment?
-3.5%
✅What credit score do I really need to qualify?
-Depends on which loan
✅Is now a bad time to buy?
-Let's look at the numbers
✅Should I wait for rates to drop?
-Let's compare numbers
✅How long does pre-approval last?
-120 Days

But those are just the starting point. Every homebuyer’s situation is unique — income, debts, local property rules, and timing all matter.

Why ask now?
-Because clarity removes fear, and numbers create confidence. The sooner you understand your options, the stronger your offers, the smoother your process, and the less stressful your journey will be.

Whether you’re a first-time buyer, a seasoned homeowner, or just exploring your options, today is the day to get answers straight from a local mortgage expert who knows Southeast Texas inside and out. 💕

👇Drop your question below or give us a call and we’ll answer it personally — no fluff, no guessing, just real numbers and actionable advice.
📞(409)600-2852

What Is a Conventional Loan?A conventional loan is one of the most common types of mortgages and is not backed by the go...
04/27/2026

What Is a Conventional Loan?

A conventional loan is one of the most common types of mortgages and is not backed by the government. It’s ideal for buyers with good credit and stable income who want flexibility in the long run.

These loans can be used for a variety of properties, including primary homes, second homes, and investment properties. Approval is generally based on credit score, income, debts, and savings. You may need mortgage insurance if your down payment is less than 20%, but it can often be removed once you build enough equity.

Good to know:
✅Often requires higher credit score
✅Down payment as low as 3% in some cases
✅Mortgage insurance may be required if

📜 The 10 Commandments of Home BuyingBecause one “oops” can delay your closing faster than you can say “underwriting.”✅10...
04/24/2026

📜 The 10 Commandments of Home Buying

Because one “oops” can delay your closing faster than you can say “underwriting.”

✅10 COMMANDMENTS OF HOME BUYING:
❌Thou shalt not change jobs, become self-employed, or quit thy job.
❌Thou shalt not buy a car, truck, boat, or any other large item on credit.
❌Thou shalt not use credit cards excessively or let accounts fall behind.
❌Thou shalt not spend money thou hast set aside for closing.
❌Thou shalt not omit debts or liabilities from thy loan application.
❌Thou shalt not buy furniture until after thy closing day.
❌Thou shalt not originate any new inquiries on thy credit report.
❌Thou shalt not make large deposits without checking with thy loan officer.
❌Thou shalt not change bank accounts mid-process.
❌Thou shalt not co-sign for anyone, not even thy favorite cousin.

Think of these like the "Golden Rules of Getting the Keys." Break one, and the mortgage gods (aka underwriters) may frown upon thee. 😬

Give us a call when you're ready to start your home buying process!
📞(409)600-2852

🌎Earth Day Reminder: The Right Home Should Work With You, Not Against YouEarth Day isn’t just about recycling and reusab...
04/22/2026

🌎Earth Day Reminder: The Right Home Should Work With You, Not Against You

Earth Day isn’t just about recycling and reusable bags.
It’s about being intentional with what you invest in — including your home.

🏡A smart home purchase isn’t only about location and layout. It’s about:
-How it performs.
-Newer windows, better insulation, and efficient systems can mean lower monthly utility bills — especially in Southeast Texas heat.

🛠️How it’s built.
Construction standards have improved over time. That can impact comfort, maintenance costs, and long-term value.

💕How it fits your future.
Energy-efficient upgrades, smart thermostats, and updated systems can make a home more sustainable — financially and environmentally.

Buying a home is one of the biggest investments you’ll make. It should support your lifestyle and your long-term goals. Being smart with your mortgage and your Mortgage Broker is part of that, too.

If you’re considering buying a new home let’s run the numbers together. Give us a Call and we will walk you through the process!
📞(409)600-2852

04/21/2026

Behind every successful entrepreneur is a little bit of instability. Change my mind.

I wanted to take a moment to re-introduce myself for those who are new here.I’m Christine Pervan🩷, a mortgage broker who...
04/20/2026

I wanted to take a moment to re-introduce myself for those who are new here.

I’m Christine Pervan🩷, a mortgage broker who’s passionate about helping people make smart, confident decisions when it comes to home loans. I specialize in VA loans and work closely with our veterans to make sure they’re getting the benefits they’ve earned—but I’m experienced with all types of mortgage loans and love finding the right fit for every client.

Buying or refinancing a home doesn’t have to be stressful or confusing. My goal is to make the entire process as smooth, clear, and straightforward as possible. Answering your questions, explaining your options, and being there every step of the way.

📞 Call me anytime you need help with your home loan. (409) 600-2852.
🩷Anytime, anywhere—if you have questions, need guidance, or are ready to get started, I’m here for you.

Looking forward to helping you turn homeownership goals into reality! 🩷

04/19/2026

There’s something about being in your own home…
where you can just exist
no expectations
no pretending
just peace 🩷

04/19/2026

I hear a lot of reasons why people wait to buy a new home. They are all good reasons until you do it and then ask yourself.... Why did I wait so long?! I promise you will be happier once you do it.

I can’t explain the feeling except it's a mixture of being proud of yourself, an accomplishment.... almost like when you graduate.

If you are ready to "graduate" to being an adult. Comment HOME ... or send me a personal DM let’s get you on the right path.

What Is an FHA Loan?An FHA loan is backed by the government and is designed to help buyers who might not qualify for a c...
04/18/2026

What Is an FHA Loan?

An FHA loan is backed by the government and is designed to help buyers who might not qualify for a conventional loan. It’s a popular choice for first-time homebuyers or those with lower credit scores.

FHA loans allow smaller down payments and more flexible credit requirements. Keep in mind that these loans include mortgage insurance for the life of the loan, so it’s important to understand the long-term costs before committing. To qualify, you’ll generally need a credit score of 580+ (or 500+ with a larger down payment), a steady income, and a debt-to-income ratio that lenders consider manageable.

🩷Good to know:
✅Government-backed loan
✅Lower credit score accepted (580+)
✅Down payment as low as 3.5%
✅Mortgage insurance required for life
✅Popular with first-time buyers

Call us when you’re ready to start your home buying process!
📞(409)600-2852

🧾Did you File Your Taxes?Here’s Why That Matters for Buying a Home.Your tax return isn’t just paperwork.It plays a role ...
04/15/2026

🧾Did you File Your Taxes?
Here’s Why That Matters for Buying a Home.

Your tax return isn’t just paperwork.
It plays a role in your mortgage approval. ✅

✨Here’s what buyers don’t always realize:
-Your reported income matters.
-Lenders use documented income to determine how much you qualify for — not what you “usually make,” but what can be verified.
-Debt and payment history matter.
-Your financial profile tells a bigger story than just your credit score.
-Consistency matters.
-Stable income over time strengthens your approval.

There are different ways to structure a loan.
The right loan program can make a big difference in monthly payment and overall qualification.

Whether you’re W-2, commission-based, self-employed, or a mix — the key is knowing where you stand before you start house hunting.

If buying this year is on your radar. Give us a Call and we’ll help you with your next steps.
📞(409)600-2852

Address

110 7th Street
Orange, TX
77630

Opening Hours

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

Telephone

+14096702808

Website

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