All posts by Roger Young

Top 1 Mortgage Lender Houston > Articles by: Roger Young

Why a Condo’s Finances Can Matter Almost as Much as Yours When Getting a Mortgage

September 25, 2026 Home Buyer Tips Comments Off on Why a Condo’s Finances Can Matter Almost as Much as Yours When Getting a Mortgage

When applying for a mortgage, buyers expect their income, credit, debts, assets, and employment to receive plenty of attention. Condo buyers can encounter another layer that sometimes comes as a surprise. Depending on the financing being used, the financial and operational condition of the condominium project itself may also matter.

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What Happens When the House You Want Has a Solar Loan Attached to It?

September 24, 2026 Home Buyer Tips Comments Off on What Happens When the House You Want Has a Solar Loan Attached to It?

Solar panels can be an appealing feature when shopping for a home, especially for buyers interested in energy efficiency. But seeing panels on the roof does not tell you who owns them or whether money is still owed. If the solar system was financed, the outstanding obligation can become an important part of the home purchase conversation.

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Could Paying Off a Debt Before Applying for a Mortgage Actually Be the Wrong Move?

September 23, 2026 Mortgage Tips Comments Off on Could Paying Off a Debt Before Applying for a Mortgage Actually Be the Wrong Move?

Paying off debt sounds like an obvious way to prepare for a mortgage. After all, fewer monthly obligations can improve cash flow and potentially help with mortgage qualification. But using a large portion of your savings to eliminate a debt immediately before buying a home is not automatically the best strategy. Sometimes the money in the bank can be just as important as the debt you want to eliminate.

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Why Your First Mortgage Payment Might Be Farther Away Than You Expect

September 22, 2026 Mortgage Tips Comments Off on Why Your First Mortgage Payment Might Be Farther Away Than You Expect

After closing on a home, buyers may be surprised to discover that their first regular mortgage payment is not necessarily due a few weeks later. Depending on the closing date, there can be a noticeable gap between receiving the keys and making that first payment. Understanding why can help new homeowners plan their finances during an already expensive transition.

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