I have had the great pleasure of working with some amazing lenders, and today I want to feature one of my favorites: Jordan Hays.
Jordan Hays is a mortgage loan originator in The Woodlands, Spring Montgomery area (truly works all of Texas). I wanted to show case some of the items he specializes in, and what makes him different than other lenders you might come across.
Purchase, then remodel with home improvement loan with in-house bank product.
- Home improvement loans can be up to 90% of the improved value (pools, additions, etc.)
- Interest only for 6months, then up to 15 yr. loan as a 2nd lien on the home
- Best for customers with 10-20%+ down payment on the purchase
- Ex. Did a purchase in the Heights, he is adding 1500 sq. ft. and able to do a 2nd lien to add that.
- Primary residence, no investment, or intent to flip
Currently offering Property Inspection Waivers “Appraisal Waivers”
- Only possible, not guaranteed for all loan types – again typical with 90% or better LTV
- Can be on Primary and Second Homes
- 2 for 2 on my last 2 purchases.
- Benefits = saving about $500 and 7-10 days on timeline
- Customer can still choose to have an appraisal for preference
- Our bank can refi a car within 24hrs to try and save them money and get in-line quickly
Divorce Cash-out loans above 80% LTV. Texas caps at 80% cash-out unless divorce decree requires remaining spouse to payout equity to ex
- This is a refi, but a great referral if you have lawyers or contacts needing the product
Construction to perm product
- In-house construction and land purchase
- 12 months interest only payment
- Take out by me – save money and effort by re-using in-house docs
- HUGE product and expertise here
- This is for private builds, not your DR Horton or HGI type builders
And my favorite product..
A bridge loan
- This loan can be used if you find a home and don't want to lose it.
- You must qualify, but if you and your home qualify, then you can take out an interest only loan on a new home.
- You close on that loan, without the pressure of selling your current home.
- There are lots of different loan options/terms.
- Then once you sell your original home, you can refinance your new home.
If you are looking for an amazing lender to team up with, I recommend you reach out to Jordan.
Jordan Hays, Mortgage Loan Originator | NMLS# 1862903
First Financial Mortgage | A division of First Financial Bank N. A.
14125 Liberty Street | Montgomery, TX 77316
Mobile: (346) 298-8840 | Email: [email protected]
We are so happy you found our little corner of the interwebs. We look forward to y'all reaching out to us. We love to answer questions and welcome them. Recently we created some local maps, and you can download those by clicking the image/link above. Below, you will find an index of some very helpful information to assist you in learning more about the Houston suburbs. If you are relocating to our neck of the woods, we hope you reach out to us, because we would love to help you by being your local realtor and friend. Hugs, Jo.
Thoughtfully written for you by Jordan and the Jo & Co. Team.
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If you are overwhelmed..
Now if you are feeling overwhelmed on where you should plant your roots, I would love to talk to you. You can schedule a call with me by click this link: http://byjoandco.com/call or just send us an email: [email protected]. There are some amazing communities all over the Houston suburbs. In this post, https://search.byjoandco.com/blog/best-neighborhoods-in-houston/, I deep dive into all the different suburbs/neighborhoods that you might want to consider, and why. There are many resources here, so please reach out if you are curious what to look at next! Thank you for trusting us.
Links to check out..
➟ Our YouTube Channel :: http://byjoandco.com/youtube
➟ How do property taxes work in Texas? :: http://byjoandco.com/propertytaxesintexas
➟ Things to do in The Woodlands :: http://byjoandco.com/inthewoodlands
➟ Safest Neighborhoods in Houston :: http://byjoandco.com/safesthouston
➟ Best Neighborhoods in Houston :: http://byjoandco.com/bestneighborhoods
➟ Houston Texas Where to Live :: http://byjoandco.com/houstontexaswheretolive
➟ First Time Texas Home Buyer :: http://byjoandco.com/firsttimetexasbuyer
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At Jo & Co. we know that most people struggle with the home buying or selling experience. We are a brokerage, real people, that do more for you, by being with you every step of the way, so that you plant your roots in the right soil. One way that we go above and beyond is with the content we share on YouTube. Click the photo below to explore our channel.