Ricardo Torres's Blog

Under a law passed by the Texas Legislature homeowners who apply for a new property tax homestead exemption beginning Sept. 1 must provide proof to the county appraisal district that they live in the house they claim as their principal residence.House Bill 252 requires a copy of the homeowner’s T...

If the government does not reach an agreement on the debt ceiling and a shut down occurs all areas of the mortgage process can be affected. Any verification system that is required for the loan process may not be operational. FHA and USDA lending could be on hold. As a real estate professional we...

Mortgage lending has changed alot in the 24 months.  We have lost over 280 wholesale lending institutions and large banks.  You and your customer may be thinking that they are unble to qualify for a home. We need to remember the basics of selling more today than in any other era.   Remember we mu...