If you need a home loan in the San Antonio or Texas Hill Country area, choose Wade Smith at Sistar Mortgage. Income-qualified buyers in rural and some suburban areas who want a low or zero down payment. Best for military-qualified borrowers who appreciate a low interest rate and no down payment minimum. Best for income-qualified buyers in rural and some suburban areas who want a low or zero down payment.
Although there are specific differences in FHA, VA, USDA and down payment assistance requirements, it ultimately comes down to six things: down payment, income, debt, savings, and employment standards. These six categories are the major home loan requirements. There is no minimum dollar amount that you need to earn to buy a home. However, your lender does need to know that you have enough money coming in to cover your mortgage payment as well as your other bills.
It's easy to calculate your DTI ratio. Begin by adding up all of your fixed payments you make each month, mostly the ones that show on a credit report.
Although there are specific differences in FHA, VA, USDA and down payment assistance requirements, it ultimately comes down to six things: down payment, income, debt, savings, and employment standards. These six categories are the major home loan requirements. There is no minimum dollar amount that you need to earn to buy a home. However, your lender does need to know that you have enough money coming in to cover your mortgage payment as well as your other bills.
It's easy to calculate your DTI ratio. Begin by adding up all of your fixed payments you make each month, mostly the ones that show on a credit report.
Services
Wade and his wife, Rhiannon, live in Hondo, TX.
They have three children, two grown and one about to graduate.
They are members of St Paul Lutheran Church, where Rhiannon plays the piano.
They are both very involved in the local community, and over the years they have been on the board of many local committees.
Since 2005, they have owned and operated Seven Oaks Insurance in Hondo and Utopia, TX.
Wade loves learning new things and meeting good people.
He likes live Texas music, medium-rare ribeyes, RV traveling, pulling kids on ski boats, Mom-and-Pop restaurants and the occasional nap.
They have three children, two grown and one about to graduate.
They are members of St Paul Lutheran Church, where Rhiannon plays the piano.
They are both very involved in the local community, and over the years they have been on the board of many local committees.
Since 2005, they have owned and operated Seven Oaks Insurance in Hondo and Utopia, TX.
Wade loves learning new things and meeting good people.
He likes live Texas music, medium-rare ribeyes, RV traveling, pulling kids on ski boats, Mom-and-Pop restaurants and the occasional nap.
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