Dream Home Funding

read moreFirst, if you are like most of our clients when you come to our office the answer to almost every question we ask is going to be, "oh, the document I need to answer that question is at home." Then you are going to have to go home and call or email us the answers to all our questions that you could have just filled in online from home in the first place and saved the time/gas/wear and tear on your vehicle driving over to not complete your loan application. Second, in the old days you had to meet with your Loan Officer and convince him/her to give you a loan.

read moreThe reality is if you are organized and supply the documentation we need in a timely manner, you could talk to your loan officer just once during the entire mortgage process. Dream Home Funding has been in business since 1998, and most of our business comes from referrals. Obviously if we offered lousy service we wouldn't still be in business. Not only that, but a good loan officer earns his keep not during his/her interactions with you, but by taking care of problems and shielding you from the rampant stupidity in the industry, so he/she doesn't need to talk to you at all.

read moreSurvey conducted by an independent third-party on 02/22/2017-02/23/2017. We'd do it again, but oddly none of our competitors will quote rates over the phone now, and insist that you waste your time coming in and applying just to find out what they are going to charge you for a mortgage even though that is a violation of CFPB regulations which require them to provide you a quote within 3 days of you providing 7 pieces of information, and that information can be provided by phone or email, not just in person.

read moreMany new homebuyers make the mistake of rushing out to buy new things for their home soon after the seller accepts their offer and the loan is approved. It's best to remember that until you get the keys, your lender is watching your accounts very closely. Below you'll find a list of things to stay away from during this crucial time of your home purchase. Don't overspend on big-ticket items You may be tempted to buy that new Turkish rug for the soon-to-be-yours den, but it's best to stay away from making large buys like furniture, appliances, jewelry, or vacations until your home loan closes.

read moreProviding Texans with the best service and lowest cost mortgages since 1998. Our mortgage professionals give you the personal attention you deserve and treat you with the respect due a valued customer. We understand you're making a commitment in buying a new home, refinancing a mortgage, or cashing out your home equity. So we make a commitment to you. We will help you qualify, apply and be approved for the lowest cost mortgage available to us, while wasting as little of your time as possible.

read moreEffective October 3, 2015 CFPB implemented new rules replacing the Good Faith Estimate (GFE) and Truth In Lending (TIL) disclosures with the new Loan Estimate (LE). In response some major adjustments are going to be necessary regarding when we provide a LE and how useful it will be to you in shopping for a mortgage. The first change you need to be aware of is now the regulations assume that we have received a complete loan application from you when we issue the LE, and we are severely limited in our ability to issue a new LE if we issue one only to discover later after receiving a loan application and credit report that something was incorrect.

read moreFirst, our owner has a BS in Industrial and Management Systems Engineering (aka Efficiency Expert) and spent the first part of his career in Operations Consulting. He was very good at it, but hated the travel. When he started Dream Home Funding, and every day since, he applied the same principles to our operations. The result is a company that produced a loan in 2016 at a cost of $271.84 per loan in an industry where the average cost the same year was over $7,000 per loan. That is what you are seeing when you get mortgage quotes and Dream Home Funding is charging nearly $7,000 less for the exact same rate on the exact same loan as our competitors.