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6 days ago

Directions Home Loan

In case you missed it, our medal was on KABB FOX 29 News, San Antonio Medals in the Morning today!

Medals are $10 each and all proceeds benefit Haven for Hope! You may pick one up at our office located 2915 W Bitters Rd, Suite 102, San Antonio, Tx 78248.

KABB FOX 29 News, San Antonio
"Medals In The Morning" on FOX News First! This morning we featured the new 2019 Fiesta medals for Quarter Moon Plumbing & AC, Mission Reach Flotilla Festival, The San Antonio River Walk, Mission Park Funeral Chapels and Cemeteries, The St. Anthony, a Luxury Collection Hotel, San Antonio, The Arc of San Antonio, San Antonio Nerd Night & @Directions Home Loan.

Send us two of your medals here to the station at 4335 NW Loop 410, San Antonio, TX 78229.

Breanna Barrs
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We have just a couple of spots left for this week's Lunch and Learn! Sean Everest will be covering, "Wills, Probate, and Guardianship” which will come with an optional 1hr CE credit! Please RSVP to info@directionshomeloan.com ... See MoreSee Less

We have just a couple of spots left for this weeks Lunch and Learn! Sean Everest will be covering, Wills, Probate, and Guardianship” which will come with an optional 1hr CE credit! Please RSVP to info@directionshomeloan.com

Mortgage Pros, our branch in McAllen, Tx is looking to add to their growing team!!

If you have a minimum of 2 years experience as a Mortgage Loan Partner and/or Processor, are organized, detail oriented and eager to grow your career in the right direction, send your resume and cover letter to myfuture@directionshomeloan.com

We are an SABJ Best Places to Work as well as SABJ Top Residential Mortgage Lender!

Some of our amazing benefits include:
401k
401k ER match
Paid Holidays
PTO
Medical/Dental/Vision
Lots of employee perks!
... See MoreSee Less

Mortgage Pros, our branch in McAllen, Tx is looking to add to their growing team!!

If you have a minimum of 2 years experience as a Mortgage Loan Partner and/or Processor,  are organized, detail oriented and eager to grow your career in the right direction, send your resume and cover letter to myfuture@directionshomeloan.com

We are an SABJ Best Places to Work as well as SABJ Top Residential Mortgage Lender!

Some of our amazing benefits include:
401k 
401k ER match
Paid Holidays
PTO
Medical/Dental/Vision
Lots of employee perks!

Our Fiesta medals have arrived!! You can pick yours up at our office or call your loan officer directly. All proceeds benefit Haven for Hope. Medals are $10 each, cash only please.
Fiesta Medal Maniacs
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Our Fiesta medals have arrived!!  You can pick yours up at our office or call your loan officer directly.  All proceeds benefit Haven for Hope.  Medals are $10 each, cash only please.
Fiesta Medal ManiacsImage attachment

 

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Lillian Villanueva Fiesta Medal Maniacs

Megan Talbert

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New To Home Loans?

Frequently Asked Questions

Q
How do I know how much house I can afford?

Generally speaking, you can purchase a home with a value of two or three times your annual household income. However, the amount that you can borrow will also depend upon your employment history, credit history, current savings and debts, and the amount of down payment you are willing to make. You may also be able to take advantage of special loan programs for first time buyers to purchase a home with a higher value. Give us a call, and we can help you determine exactly how much you can afford.

Q
What does my mortgage payment include?

For most homeowners, the monthly mortgage payments include four separate parts:

•  Principal: Repayment on the amount borrowed
•  Interest: Payment to the lender for the amount borrowed
•  Taxes & Insurance: Monthly payments are normally made into a special escrow account for items like hazard insurance and  property taxes. This feature is sometimes optional, in which case the fees will be paid by you directly to the County Tax Assessor and property insurance company.

Mortgage Insurance: In a purchase transaction if you are putting down less than 20% you will most likely have to pay a small monthly mortgage insurance premium.  In a refinance transaction if your loan amount is above 80% of the value of your property you will most likely have to pay mortgage insurance too.  There are certain instances where you can avoid paying monthly mortgage insurance even when you are putting less than 20% down or refinancing with a loan amount above 80% of the value.  Please contact us for more information regarding your particular situation.

Q
How much cash will I need to purchase a home?

The amount of cash that is necessary depends on a number of items. Generally speaking, though, you will need to supply:

Earnest Money: The deposit that is supplied when you make an offer on the house
Down Payment: A percentage of the cost of the home that is due at settlement
Closing Costs: Costs associated with processing paperwork to purchase or refinance a house

Q
How do I know which type of mortgage is best for me?

There is no simple formula to determine the type of mortgage that is best for you. This choice depends on a number of factors, including your current financial picture and how long you intend to keep your house. Directions Equity LLC can help you evaluate your choices and help you make the most appropriate decision.

Q
What is the difference between a fixed-rate loan and an adjustable-rate loan?

With a fixed-rate mortgage, the interest rate stays the same during the life of the loan. With an adjustable-rate mortgage (ARM), the interest changes periodically, typically in relation to an index. While the monthly payments that you make with a fixed-rate mortgage are relatively stable, payments on an ARM loan will likely change. There are advantages and disadvantages to each type of mortgage, and the best way to select a loan product is by talking to us.

Q
How is an index and margin used in an ARM?

An index is an economic indicator that lenders use to set the interest rate for an ARM. Generally the interest rate that you pay is a combination of the index rate and a pre-specified margin. Three commonly used indices are the One-Year Treasury Bill, the Cost of Funds of the 11th District Federal Home Loan Bank (COFI), and the London InterBank Offering Rate (LIBOR).