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Choose to work with an agent that CARES about you. Call or email me today for professional & personal service. 512-789-7541 julie@julie-cares.com
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Matthew Posey - Land Mortgage
Matthew Posey is a Mortgage Banker with Land Mortgage in Austin, Texas. With an in house Mortgage Banking operation...
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Do Not Waste Your Time or Money
Searching for a New Home Before Knowing
Exactly How Much You Can Afford
You might have an idea of the loan payment and monthly mortgage you can afford. Will the mortgage company & lender feel otherwise? With today’s media frenzy, market news and recent events the mortgage industry has certainly tightened their guidelines. It is no secret!
I always recommend to my buyers that they get pre-qualified for a mortgage so you know exactly how much a financial institution will lend you. It saves you & your agent time and money!
In the pre-qualification process, you will find out:
- Exactly how much home or land you can afford.
- How much cash you will need for the down payment.
- The minimum down payment, and advantages of higher down payments.
- What the bank feels you can afford for a monthly payment.
Every buyer has their own unique situation. Do not be forced to work with a lender that does not fit your needs. I highly recommend that my buyers shop their mortgage and make the best decision for their family. I have three mortgage lenders that I work with every day. They each offer different products, services and personalities.
Buying a home is one of the biggest events in your life, be sure to work with the mortgage banker that is right for you!!!
Matthew D. Posey
Mortgage Broker
Matthew Posey is a Mortgage Banker with Land Mortgage in Austin, Texas. With an in house Mortgage Banking operation, Matthew’s team of Processors, Underwriters and Closers/Funders make each mortgage transaction smooth and lightening fast. Contact Matthew for all your purchase and refinance needs.
Land Mortgage
8300 N. Mopac
Suite 225
Austin, TX 78759
Work: 512-583-1024
Fax: 512-583-0200
mposey@landmtg.com
www.landmtg.com
Mortgage Bank #43954
David Cockrell
Mortgage Consultant, Mrg
David has been a resident of the Austin area for 10 years, has been a loan originator in the State of Texas since 2000. After a couple of years working and training with another company in the mortgage business, he co-founded Prodigy Mortgage Mortgage in 2002. Beginning with a modest staff of 6, Prodigy Mortgage has grown to it's current size of over 50 employees across Texas. Prodigy Mortgage is nation wide lender with a state presence in Austin, Dallas, Houston, with San Antonio soon too come. Coming from a service background, I strive to not only meet customer's expectations, but to exceed them. "Under-promise and over-deliver...without your word, you have nothing."
Prodigy Mortgage
David Cockrell
Lic. # 20095
Work: 512-342-8000 x106
Mobile: 512-775-2073
Fax: 512-366-9832
david@prodigymtg.com
www.prodigymtg.com
 It is important to know what you can afford, before investing your time searching for your perfect home. Feel free to contact my preferred mortgage lenders with any questions that you have. It is their job to stay on top of all the different rules, regulations, programs and federal mandates. Let's get you pre-qualified so I can find your dream home! 
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Tax Considerations >Tax Breaks
Most homeowners are keenly aware of the interest tax deduction on their home loan, but there are many other tax breaks which are often overlooked at income tax time. Pro-rated property taxes and mortgage interest in the year of sale are deductible. You will find these amounts listed on your closing settlement statement. If you paid off your mortgage and had to pay a pre-payment penalty, it qualifies as tax deductible interest. If you paid an "acquisition mortgage loan fee" on a home loan, this fee can be deducted as itemized interest. Home improvement loan fees are also deductible. Any remaining loan fees from re-financed or paid-off mortgages are fully deductible at the time of the mortgage payoff.
Certain items don't qualify as deductions, but can be added to the cost basis of your home, such as transfer taxes, recording and title fees, and special local property tax assessments for new sidewalks, streets, or sewers.
Don't be intimidated by the tax code! A little research or consultation with an expert can help you maximize your real estate tax advantages.
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| Q |
Where would you go to enjoy a soak in the world's largest bathtub?
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| A |
The Spa Resort Hawaiians in Fukushima, Japan, offers an outdoor soaking tub that occupies a total area of 10,760 square feet and can accommodate 1,500 persons at one time. |
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Julie Hoelscher
Crosswind Realty
3219 Saint Genevieve Drive
Leander, TX 78841
512-789-7541
Fax: 512-697-2825
Julie@Julie-Cares.com
I offer a unique ability to connect with my clients, who often become friends. I will take your concerns, expectations and needs to heart. You can trust my professional guidance and expertise on your real estate journey.
Please feel free to contact me by phone or by email. I will get back to you quickly.
I look forward to working with you soon!    
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