Varune A. Ramhit

Mortgage Broker

NMLS# 2222527

254-589-2964

info@landzfinancialservices.com

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Blog Posts:

A Guide to Buying a Home in Retirement
Is Your Mortgage Payment Too High? Here’s How to Lower It
FHA Compensating Factors: Strengthening Your Loan Application
Merry Christmas
Using a HELOC to Pay Off Credit Card Debt: Is It Right for You?
Starter Home vs. Forever Home: Making the Right Choice
Buying a Property with Existing Tenants
VA Housing Grants for Disabled Veterans: Adapting Homes for Independence
Joint VA Loans: Combining Forces for Homeownership
Will Home Prices Drop? Understanding Real Estate Market Trends
Happy Veterans Day!
Is a 30-Year Mortgage Right for You?
Happy Halloween!
Is Now the Right Time for a Home Equity Line of Credit?
The First-Time Homebuyer's Complete Guide
Understanding Mortgage Closing Costs
VA Loans: Your Qualification Guide
A Mortgage Tax Credit That Could Save You $2,000 a Year
Does Refinancing your Mortgage Make Sense?
Why Buying a Duplex Makes Financial Sense
The Mortgage Spread is Shrinking
Tips to Get a Lower Rate on a VA Loan
Force-Placed Insurance: The Costly Mistake Every Homeowner Should Avoid
Is it Better to Buy or Rent?
Learn More about Home Renovation Loans
Explaining the Mortgage Contingency Clause
The Changing Tides of the Housing Market
Dreaming of Your Own Slice of Paradise? Vacation Home Buying Considerations
A Guide to Using a Home Equity Loan for an Investment Property
Why Some Veterans Choose Conventional Loans Over VA Loans
The Mortgage Revolution: How AI is Shaking Things Up
What's Rent-vesting and Can It Help Me Become a Homeowner?
Facing Foreclosure? Here’s What You Can Do Now
Should You Hold Out for Lower Interest Rates Before Buying a House?
More Borrowers Are Putting 20% Down - Should You?
Where Do Mortgage Lenders Get Funds for Home Loans?
What Are the Financial Benefits of Owning a Home?
Understanding VA Loan Occupancy Requirements
Why You Should Definitely Do a Pre-Settlement Walkthrough
The Pros and Cons of Buying a Historic House
5 Tips for Buying a Home When Interest Rates are High
Why Hazard Insurance Matters When You’re Buying a Home
Am I Too Young For a Mortgage?
The Pros & Cons of Buying a Foreclosure
VA Loans: Your Top Questions Answered
How to Challenge a Low Home Appraisal
Buying a House? Don't Forget About Schools!
Your Step-by-Step Guide to the Homebuying Process
How to Know If You’re Ready to Buy a Home: Key Considerations
5 Ways to Buy a Home With No Down Payment
Unlocking the Power of Home Equity
3-2-1 Buydown Mortgage Loans
Your Guide to Saving for a Down Payment
Why Your Credit Score Matters When Buying a House
Unlock Your Home’s Potential with a Fixed-Rate HELOC
FHA Gift Funds: Unlocking the Door to Your New Home
Wishing Your Family a Wonderful Holiday Season 🎄🎁 🏡
Higher Loan Limits for 2025 Announced
Non-QM Loans: Flexible Home Financing for Self-Employed & Investors
The Inside Scoop on the Top 5 Mortgage Loan Types
How Long is a Mortgage Pre-approval Good For?
Key Questions to Ask Your Mortgage Lender
Understanding Sales Price vs. Appraised Value in Real Estate
Preparing for Your First Mortgage Payment: Key Details to Know
Is FHA Streamline Refinance Right for You?
Should You Buy a Condo Vacation Property?
The Rise of Single Women Homeowners: Tips for Navigating the Journey
A Simple Guide to First-Time Homebuyer Programs
How Self-Employed Individuals Can Secure a Mortgage with Confidence
Understanding the VA Loan: How Many Times Can You Use It?
Understanding Mortgage Rates: A Guide for First-Time Homebuyers
Top Reasons to Refinance Your Home: Key Benefits to Consider
Refinance Your Home, Even if You Have Limited Equity
A Strategic Approach to Adjustable-Rate Mortgages
Home Equity Loans vs. HELOC: Which is Right for You?
How High Balance Loans Can Help You Afford a Home in Expensive Markets
Housing Assistance Programs for Veterans
A Guide to Freddie Mac CHOICERenovation Loans
How Veterans Can Benefit from the VA Loan Streamline Refinance (IRRRL)
Unlocking Real Estate Potential with HELOCs
Shared Equity vs. Traditional Loans: What’s Better for Homebuyers?
Can You Afford to Buy a Vacation Home?
Mortgage Options For Single Parents
Mortgage Co-signers : A Strategic Partnership for Homebuyers
Pros and Cons of No-Down Payment Loans
Building Your Dream Home: The Essential Guide to Construction Loans
How To Pay Off Your Mortgage Faster
A Veteran’s Guide to Home Loans with Bad Credit
How to Buy a Home After Bankruptcy
7 Red Flags for Second Home Buyers and How to Avoid Them
Your Guide to FHA Loans: Making Homeownership Attainable
What Is Title Insurance and Why Do I Have to Pay for It?
A Comprehensive Guide to Protect Yourself Against Mortgage Fraud
The Importance of Debt Consolidation Home Loans
A Guide to Buying a Home in the U.S. for Non-U.S. Citizens
The Essential Role of Mortgage Calculators when Buying a Home
What Closing Costs and Fees Do I Have to Pay with a VA Loan?
Should I Sell or Rent my Home when I move?
The ABCs of Home Loan Options: A Guide for Teachers and Educators
Using the FHA 203(k) Loan to Renovate Your Home
The Impact of Your Credit Score on Interest Rates
Mortgage Assistance Programs for First-Time Buyers
The Pros and Cons of Biweekly Mortgage Payments
7 Things to Know Before Buying Your Dream Vacation Home
Understanding the Financial Power of Mortgage Points
Lease-to-Own Agreements: A Unique Path to Homeownership
Weighing Your Options: 20% Down Payment vs. Mortgage Insurance
The Federal Reserve's Role in Shaping Mortgage Rates
Avoiding Common Homebuyer Mistakes in a Seller's Market
The Rise of House-Hacking Among Millennials and Gen Z
What Are the Tax Benefits of Homeownership?
Warm Wishes for a Merry Christmas!
Choosing Between a 5/1 and 7/1 ARM?
Understanding Mortgage Prepayment Penalties: The Hidden Costs
Is Refinancing my Mortgage to Eliminate High-Interest Debt a Smart Move?
Minimizing the Effect of Job Loss on Your Mortgage
The Top 5 Reasons Fixed-Rate Mortgages Are Your Wealth-Building BFFs
Does My Age Affect My Mortgage Eligibility?
How Will Buying a Vacation Home Affect My Taxes?
HELOC Vs. Home Equity Loan: When Does Each Make Sense?
Exploring the Idea of Using Your Retirement Savings for a Second Home
Buying a New or Older Home: Weighing the Pros and Cons
Navigating Mortgage Opportunities for Veterans and Service Members
Cracking the Code to Financial Freedom: Bi-Weekly Mortgage Payments
Navigating Your Home Loan Journey: Choosing the Right Mortgage Term
8 Ways to Identify a Mortgage Scam and Protect Yourself
Understanding Debt-to-Income Ratio
How to Avoid Private Mortgage Insurance (PMI)
How to Save for a Down Payment: 9 Tips for First-Time Homebuyers
Do VA Entitlements Ever Expire?
Get a Mortgage even if You Just Started a New Job
Does the VA Offer Reverse Mortgages?
How Do VA Loan Rates Compare to Other Loans?
Understanding the Differences between Second Homes and Investment Properties
6 Mistakes that Home Buyers Should Avoid
How to Start the Process of Buying a Home
How To Save As Much Money as Possible When Buying a House
Happy Independence Day!
How does a HELOC work?
Weighing the Options: Vacation Home or First Mortgage Payoff?
Making Sense of Today's Interest Rates
Should I Consolidate My Debts with a Mortgage Refinance Loan?
Understanding Mortgage Loan Origination Fees
How to Improve Your Credit to Get a Better Mortgage Deal
Do I Have to Pay Private Mortgage Insurance?
Is a Conforming Loan the Same as a Conventional Loan?
Why Is My Mortgage Escrow Account Sending Me a Check?
What Is a Convertible Adjustable-Rate Mortgage?
What is an Assumable Mortgage?
What do Appraisers Consider When Valuing a House?
Should You Help Your Kids Pay for Their Mortgage?
What is Cash to Close?
What is a Loan Estimate?
What Fees are Included in Mortgage Closing Costs?
How To Beat High Inflation with a Home Purchase
How Long Does a Mortgage Pre-Approval Last?
Happy Valentine's Day
10 Important Facts About VA Loans
Buying a Vacation Home or Investing in a Timeshare?
What is the Difference Between a Mortgage Interest Rate and the APR?
Your Mortgage Closing Checklist
Choosing the Best Type of Refinance Loan
Home Buying in 2023 – What to Expect
Don’t Make These 7 Home Buyer Mistakes
Merry Christmas
How To Avoid Being House Poor
How to Buy a Home in Today’s High-Priced Market Without a Six-Figure Income
The Ultimate Mortgage Pre-Approval Document Checklist
Can’t Quite Afford a House Yet? Consider a Co-Borrower
Happy Thanksgiving
Disputing Your Property Tax Assessment Can Save You Money
5 Crucial Questions to Ask When Buying a Condo
5 Questions to Ask Yourself Before Buying a Vacation Home
Is a 15-Year Fixed-Rate Mortgage Right for Me?
Should I Refinance My ARM Loan to a Fixed-Rate Mortgage?
What The Latest Fed Rate Hike Means for Mortgages
HUD Homes - Another Option for Buyers and Investors
What Tax Deductions are Available to Homeowners?
An Excellent Credit Score can Save you Big Money
Don't Let Rates keep you from Buying or Selling
How A Bridge Loan Can Help You Build a New Home
Buying a Vacation Home: A Quick Guide
Will Getting a Mortgage Help My Credit Score?
Answers to the Most Frequently Asked Jumbo Loan Questions
Your Mortgage Application Document Checklist
The Top 7 Mortgage FAQs of First-Time Buyers
FHA Loans: the 9 Most Frequently Asked Questions
A Renovation Loan Could Help You Beat the Housing Market
6 Ways to Save Money on Your Next Mortgage
How Soon After Buying Can I Refinance the Mortgage of My Second Home?
Is Now a Good Time to Buy a Vacation Home?
What Does It Take to Get an Investment Property Loan?
The Do’s and Don’ts of Buying A Vacation Home
Combat Rising Inflation on Your Debt with a Refinance Loan
Programs and Grants to Help First-Time Home Buyers
7 Essential Home Buying Questions
How to Avoid 3 Common Mortgage Scams
What is a Drive-By Appraisal?
Home Equity Vs. Cash-Out Refinance Loans
Can You Afford a Second Home?
What if Rates Rise while my House is Under Contract?
Your AirBnB Income Can Help You Refinance Your Mortgage
How to Make Your VA Loan Competitive in a Hot Market
What’s the Difference Between the Sales Price and Appraised Value of a Home?
Can You Afford a Second Home?
What You Need to Know About FHA Loans in 2022
Will a HELOC Affect Your Credit Score?
Can You Get a Loan to Buy an AirBnB?
What an 18% Jump in 2022 Conforming Loan Limits Means for Me
How Long Should You Keep Your Mortgage Papers?
One Extra Mortgage Payment a Year Can Add Up to Big Savings
Who Owns My House: Me or My Mortgage Lender?

L And Z Financial Services

2004 Mockingbird Lane
Killeen, TX 76541

info@landzfinancialservices.com

NMLS: 2309952

Personal NMLS: 2222527

254-589-2964

754-273-0357

254-549-7775

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Texas Mortgage Company License, NMLS: 2309952, Florida Mortgage Broker License: MBR6103

CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A COMPANY OR A RESIDENTIAL MORTGAGE LOAN ORIGINATOR SHOULD COMPLETE AND SEND A COMPLAINT FORM TO THE TEXAS DEPARTMENT OF SAVINGS AND MORTGAGE LENDING, 2601 NORTH LAMAR, SUITE 201, AUSTIN, TEXAS 78705. COMPLAINT FORMS AND INSTRUCTIONS MAY BE OBTAINED FROM THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV. A TOLL-FREE CONSUMER HOTLINE IS AVAILABLE AT 1-877-276-5550.

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