Christy's Blog

Mortgage and Lending - Secure Mortgage Company
This weekend news and the lighted signs along our Houston highways remind us not only to "click it or ticket" and "Seat belts all the time, all riders, every ride" is not only a new campaign to remind Houston area drivers to wear their seat belts but could also be kicking off the new year of seat...
Looking for a great way to get your son, daughter or grandchildren into the Christmas spirit. Here is an interactive Santa Claus Card that will surely get the kids going.  I did this for my 9 year old son last year and he loved it.  When the email came in with his name on it from Santa he was lik...
WASHINGTON — Senators agreed Wednesday to extend a popular tax credit for first-time home buyers and to offer a reduced credit to some repeat buyers. Look like the tax credit is going to be extended. Even though it has ways to go, this is a big step in the process. As all of you know it provides...
As many of you know my youngest son plays the coolest game on earth. He plays for a local ice hockey organization called the Houston Wild. This team is made up of 10 year old kids from across the Houston metro area. They mainly travel up to Dallas and take on very stiff competition as Dallas has ...
  Squirt A Hockey Team 2009 Golf Tournament and Fundraiser   Tournament Date: Sunday,November 22,2009 Time: 9:30 am check in with 11:00 am Shotgun start Location: Houston National Golf Club, Houston, Texas Goals: Establish a charitable golf tournament for the benefit of the Wild Squirt A Hockey t...
Even though each home and home buyer is unique, the same mistakes are made over and over again when making a purchase. This special report will point out seven of the most common mistakes made during home buying and how to avoid them. Buying a home is one of the most exciting events in a person's...
Wow! What a day I had yesterday, 3 weeks ago one of my referring Realtors sent me one of their clients. She went online and field out an online credit application. After running her credit and looking at documented income from her jobs and getting a 626 mid credit score and a 43% debt ratio. I wa...
Everybody has a horror story of some kind, when talking about real estate. There are just some things most people don't think about when searching for property to buy or sell, whether you're the buyer, the seller or even, yes, the agent Exhibit A Sheryl (name changed to protect the innocent) is e...
A buydown is a type of financing where the buyer or seller pays extra points (also called discount points) to reduce the interest rate on a loan. Buydowns make it easier to qualify for a loan because they lower a loan's interest rate. They can also allow you to buy more house for your money. Ther...
Trying to get buyers to come and see your high dollar home? Not having any luck. When it comes to high end home buyers you need to treat them a little different than the norm. Here are some ideas on how to change your high dollar home from no one showing up to people are flying in the door.   Sta...

Christy Hempel

Sr. Loan Officer
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