Common Sense Lending
We help clients find and secure the best mortgage loans in Texas in order to finance their properties. We provide specialized home-buying and refinancing services, and our approach is focused on addressing specific needs and financial situations throughout the entire real estate financing process. We're experienced, trustworthy, and always reachable. No matter the question, we're here to provide answers.
Why use Common Sense?
HONEST AND PERSONALIZED SERVICE
Whether you'd like advice during negotiations on a new home purchase or an in-depth analysis of the long-term financial benefit of refinancing your existing mortgage, Common Sense Lending has you covered. If refinancing doesn't make sense for you, we'll tell you not to refinance and why. We're not here to just sell you on any mortgage product.
KNOW ABOUT ALL OF YOUR LOAN OPTIONS
Why put down 20% when you can put down 3% and get the same interest rate? Why pay monthly mortgage insurance (MI)? MI is only a tax deduction on investment properties. For clients with great credit, you could select lender-paid mortgage insurance which is built into the interest rate and then essentially becomes 100% tax-deductible.
COMPLETE FINANCIAL ASSESSMENT
During the loan application process, we are obsessed with planning out a complete financial picture that is most beneficial for your unique situation. Think of it as optimizing your monthly cash allocation. For example it may make more sense to payoff higher interest debt and put less money down on a new home purchase, reducing your total monthly cash outlay and simultaneously increasing your home buying power.