The thought of writing another check that’s not going towards your financial future is too much. Karen is able to provide the following types of financing ĥ Things to Consider When You’re a First-Time Homebuyer Karen has worked for several years with a team that includes her Production Partner, Tammy Hall and is fully supported by a staff of local underwriters and closers.She enjoys speaking in the community on topics that include financial literacy, business development, and leadership.Karen served as the 2016 President of the Austin Mortgage Bankers Association and was the recipient of the Kenton Brown Distinguished Service Award in 2017.With a clear understanding of what Realtors need, Karen enjoys helping her clients beat the competition to get their offer accepted. During this time Karen has seen many challenges and opportunities in the Austin market. She brings three decades of mortgage and leadership experience to the team. Once you’ve closed on your home, your loan transitions into the final step of the loan process, servicing.In 2011 Karen joined Sente Mortgage as the Austin Regional Manager. Your mortgage servicer handles the day-to-day tasks of managing your loan such as processing your loan payments, responding to borrower inquiries, keeping track of principal and interest paid, and managing your escrow account. In today’s market, loans, and the rights to service them, are often bought and sold. In many cases, the company that provided your loan is not the same company that services your loan. If your loan is transferred to a new servicer, you will receive a notification from your current mortgage servicer and the new servicer. Contact Sente Mortgage Servicing at 51 or 80, or by email at Dial the MERS® Servicer Identification System toll-free at 88 or visit the MERS® website.Check your monthly mortgage billing statement or payment coupon book.To find out who your servicer is you can: If you have questions regarding the servicing of your loan please contact us at 51 or 80, or by email at Sente Mortgage is your loan servicer you can make monthly loan payments and manage your account by registering online here - Sente Servicing. Your loan servicer’s identity may be listed in the MERS system.Austin features some of the most expensive real estate in the country, but the city is also full of young, educated people looking to move upwards in their careers. We sampled some popular Austin neighborhoods to show the best types of mortgage in each: Austin residents exploring wealthy neighborhoods should consider nonconforming or jumbo loans, and first-time homebuyers in Austin should look to government-backed FHA loans. Westlake Oaks: This neighborhood may be a good buy for families wanting to be near their children’s schools.The median home cost here is over $760,000, which makes a fixed-rate mortgage a good option, especially when the home has a higher list price than others in the area. Hughes Park Lake: This neighborhood is a good option for those looking for a safe, low-crime area.Its median home cost is $594,000, which makes government-backed mortgages like FHA or USDA loans good options. River Hills: This neighborhood is a good option for buyers looking for large, comfortable homes in an affluent neighborhood.The median home cost here is almost $1,400,000, which makes jumbo loans a necessity. Chestnut: This neighborhood is a good fit for singles and young couples because of its walkability and low crime rate.The median home cost is just shy of $480,000, which makes government-backed loans like FHA or USDA mortgages helpful. Because of their relaxed requirements, these loans suit the needs of singles and low-income buyers. Outside of low mortgage rates, consider what services mortgage companies offer. You can also gather quotes, read online reviews, get recommendations from friends and educate yourself on how home loans work so that you feel confident choosing a mortgage company. In Texas, the Department of Savings and Mortgage Lending and the Office of the Consumer Credit Commissioner regulate the mortgage industry. You can look up a lender’s registration through the Nationwide Multistate Licensing System. Sente mortgage yourmortgageonline registration# Likewise, a company that is part of the National Association of Mortgage Brokers must demonstrate a high level of professionalism, so consider that when choosing a lender.
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