In this Website

     Ever wonder why Mortgage Lenders denied your Mortgage Application?  Or even better yet... you apply for a Mortgage Loan and you hear horror stories from your family and friends on extremely late closings and major mistakes made during the Application Process.

You will learn to understand theDifferent Lending Avenues available. I will go in depth detail on the Loan Processes for each type of loan available on the market.  You will find out what Mortgage Underwriters are really looking at in your application- How to avoid getting scammed by underhanded Brokers and or overpriced Lenders...- How to negotiate your own sales contract and cut out costly realtors fees that can sometimes be avoided.  You will learn how to understand yourcredit and how it directly affects your interest rate on your mortgage loan.  I will teach you how to understand your overall credit layer of risk.  I will teach you how to shop for a professional knowledgable Lender/or Broker that will best serve your personal needs throughout your lending process.

Who I am,

My name is Jennifer Qualia. I am a Mortgage Broker in Texas with 13 Years Lending Experience in every avenue of Lending available.  In this website I will discuss every aspect of Mortgage Lending that the lenders/ underwriters just don't tell you.  I will show you how to avoid loss of valuable time during the Loan Process and how to make the most of your home purchasing experience. Time and Knowledge is Power.  So let's save you money/stress/and time.    

Things to know...

I will teach you to understand a total Mortgage Payment including property taxes and insurance.

You will understand when and how thispayment adjusts and why.

You will learn how these costs are associated to your closing costs at time of loan closing.

I will explain in detail what costs are associated to your home loan closing and how to minimize these costs.

You will find free information on down payment assistance that actually works to cover these closing costs.

I will supply you on this website with checklistsof what you will need to take to a loan application. What the lender may forget to ask you for.

You will find helpful worksheets to fix your own credit at home free instead of paying a pricey fee to credit clean up agencies.

I will supply you with Texas style realestate contracts and explain what each paragraph means..making it self explanatory to complete.