TJC Mortgage, Inc. - Abilene, Texas

NMLS ID # 1349176 (www.nmlsconsumeraccess.org)

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Conventional Loans

Conventional mortgage loans are offered by private entities and are not backed by the federal government. A conventional mortgage loan may require a sizable down payment in comparison to other types mortgage loans. Conventional mortgages fall into two categories, conforming or non-conforming. Conforming loans follow guidelines that are set by Freddie Mac and Fannie Mae. A conforming conventional mortgage loan is limited to $417,000.00 in most areas. A conventional mortgage loan over this amount is a non-conforming loan, which is a jumbo loan.

Jumbo Mortgage Loans

A jumbo mortgage loan is a home loan that exceeds the conforming limits established by regulation. In most of the United States a loan over $417,000 is non-conforming and is a jumbo loan. Jumbo loans may be used for primary or second residences, vacation homes, or investment properties. Jumbo loans come in a variety of terms, fixed rate or variable rate. These loans may have higher interest rates and can have stricter underwriting and larger down payment requirements.

USDA Loans

USDA loans are mortgage loans guaranteed by the U.S. Department of Agriculture. The program is officially known as the USDA Rural Development Guaranteed Housing Loan Program (Section 502 Loan). USDA loans are also known as ‘Rural Housing Loans’. USDA loans can also be used in some suburban areas depending upon eligibility. USDA loans are popular among today’s home buyers because the USDA program offers no-money-down financing. Homebuyers can finance 100% of a home’s purchase price and can also use USDA loans when purchasing a modular home. USDA mortgage rates may be lower than the rates for FHA, VA and Conventional mortgage rates and may offer reduced mortgage insurance rates to its borrowers.

FHA Loans

FHA Loans are insured by the Federal Housing Administration (FHA).  Borrowers with FHA mortgages pay mortgage insurance which protects the lenders and allows for more flexibility for the borrower. The down payment requirement is lower and the credit and income guidelines may be less strict. The FHA loan makes it easier for first-time homebuyers to achieve the dream of homeownership.

Refinance Loans

A refinance mortgage replaces your current mortgage loan. Most people refinance when they have equity in their home.  Equity is the difference between the value of your home and the amount owed on the mortgage. Refinancing allows you to pay off your current mortgage and replace it with a mortgage that may have terms that are more favorable than when you first financed your home. It can be an opportunity to lower your interest rate or change the length of your mortgage.

Disclosure:  Even though a lower interest rate can have a profound effect on monthly payments and potentially save you thousands of dollars per year, the results of such refinancing may result in higher total finance charges over the life of the loan.

VA Loans

VA Loans are offered by the U. S. Department of Veteran’s Affairs. The VA loan was designed to offer long-term financing to eligible American Veterans or their surviving spouses. The VA loan is one of the few mortgages that does not require a down payment. VA loans are often easier to qualify for than conventional mortgages. The U.S. Department of Veterans Affairs is not the direct lender, the loans are made through a private lender and partially guaranteed by the VA. There are specific guidelines that must be met and most members of the military, veterans, reservists, and National Guard members are eligible for VA loans.

Contact Us Here!

Javier Alcorta

NMLS ID # 261124

(www.nmlsconsumeraccess.org)

TJC Mortgage, Inc.

4150 S. Danville, Suite 2

Abilene, TX 79605

Phone: 325-704-8555

NMLS ID # 1349176

(www.nmlsconsumeraccess.org)

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Our Staff

Javier Alcorta

Manager

Kelli Davis

Loan Officer

Susan Bergeron

Loan Officer

Jane Bergeron

Loan Processor

Deana Cade

Loan Processor

Apply By Phone

Call TJC Mortgage, Inc. Abilene
at 325-704-8555

Talk to a TJC Mortgage, Inc. Loan Officer and complete your application over the phone

Download an Application

Click the button below to download a loan application then email it to us

Download Application

Email your completed application to javier@tjcmortgage.com

Apply Online

Click the button below to go to our online application

Online Application

It was great working with Susan and Javier at TJC Mortgage, Inc. The process was quick and when we did have questions they were always answered promptly. I would recommend them to everybody but especially 1st time home buyers. They will make the process go so much smoother for you 🙂

Maggie H.

Corporate Information

© 2016 TJC Mortgage, Inc.
All Rights Reserved.
Corporate Website
NMLS ID # 2239 (www.nmlsconsumeraccess.org)

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Abilene, Texas

TJC Mortgage, Inc.
4150 S. Danville, Suite 2
Abilene, TX 79605
Phone: 325-704-8555
NMLS ID # 1349176 (www.nmlsconsumeraccess.org)

Reverse Mortgage

These materials are not from HUD or FHA and were not approved by HUD or a government agency. (ML 2014-10)
Licensed by the Mississippi Department of Banking and Consumer Finance
NMLS ID # 2239 (www.nmlsconsumeraccess.org)