Common Cents Mortgage, PLLC

Common Cents Mortgage, PLLC Purchase | Refinancing | All residential properties
License to originate in Texas | Georgia | Florida

09/02/2026

Americans: When Refinancing Can Pay Off | Brokerage NMLS ID: 2571937

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

US HOA Costs Demand Closer Review | Brokerage NMLS ID: 2571937

Ways Other Than Cash You Can Use To Buy a HouseMany people think buying a home requires a hefty cash down payment, but t...
08/29/2026

Ways Other Than Cash You Can Use To Buy a House
Many people think buying a home requires a hefty cash down payment, but that’s not the only path to homeownership. With the median U.S. home price at $403,200, coming up with even a 3-5% down payment can seem daunting. Fortunately, there are more flexible solutions out there—options like USDA and VA loans, homebuyer assistance programs, rent-to-own agreements, and seller financing can all open doors. As someone who specializes in residential lending, I know that navigating these alternatives can make a real difference for buyers who want to find the right fit for their situation.
https://www.housing-trends.com/agent-news/victor-nassar/1870931-Ways-Other-Than-Cash-You-Can-Use-To-Buy-a-House

08/26/2026

Home Loans With Bad Credit: U.S. Options | Brokerage NMLS ID: 2571937
Navigating home loans with less-than-perfect credit can feel overwhelming, but options do exist in the U.S. market. As someone who specializes in residential lending, I often guide clients through these exact scenarios. While the average U.S. mortgage holder carries a credit score of 711, and about two-thirds fall between 661 and 850, it’s important to know that paths to homeownership remain open even if your score is lower. Most lenders look for a minimum score of around 620 for conventional loans, but government-backed programs can offer flexibility below that threshold—especially if you’re able to increase your down payment. For example, some government loans require as little as 3% down with strong credit, while applicants with lower scores might need closer to 10%. Veterans may even qualify for options with no down payment at all. Strengthening your profile—by saving a larger down payment, keeping your debt-to-income ratio around 36% or less, reviewing your credit reports, lowering credit card use, and making timely payments—can all improve your approval odds. It’s wise to compare several preapprovals within a 14-day window, and to pause if monthly payments would exceed about 30% of your income or stretch your savings too thin. My focus is always on helping clients find the right fit for their unique situation.

08/25/2026

Commercial Real Estate Loan Guide
Commercial real estate financing operates under a different set of rules compared to residential lending. Typically, you’ll need at least 25% down and strong credit, as lenders enforce stricter requirements with shorter loan terms and higher rates than you’d see with consumer mortgages. For those targeting property purchases, SBA 504 loans are often a better fit, while SBA 7(a) loans tend to be less optimal for real estate. Expect terms to run 5–10 years, though amortization may stretch up to 25 years. As someone who works daily with a range of loan scenarios, understanding these distinctions helps my clients make informed decisions when exploring all financing options.

08/25/2026

Mortgage Refinance!
Refinance Your Mortgage & Save on Interest!

08/24/2026

US Jumbo Mortgage Options Explained | Brokerage NMLS ID: 2571937

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1346 Broadway Street Suite 104
Pearland, TX
77581

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