leftGive your mortgage an annual once over

If the last time you looked at your mortgage was when you closed on your loan, it’s time to take it out for an annual once over.New loan programs and opportunities to leverage your home equity can bring you lower mortgage payments and new investment opportunities.


Is a fixed rate mortgage the best choice for you?

Many of us opt for the certainty of a 20 year or 30 year fixed rate mortgage when we get our first mortgage.If you anticipate selling your home within the next 10 years, one of our new hybrid loans may be a better financial fit for you.Hybrid loans typically have a lower fixed rate than a traditional 20 or 30 year mortgage.The savings you receive can well be worth switching to a hybrid loan.

 

Are you paying for Private Mortgage Insurance (PMI)?

There are a lot of new loan programs available that can help you eliminate PMI, even if you have less than 20% equity in your home. The monthly savings adds up quickly.  This money can be put to better use to help you achieve other short-term and long-term financial goals.

 

Are your taxes and insurance up to date?

Even though your mortgage servicer is responsible for paying your taxes and insurance out of your escrow account, it just makes sense to periodically check to see that these payments are being made properly. While you’re at it, you’ll want to review your homeowner’s insurance policy. It’s a good idea to review your policy every two to three years to make sure it covers recent home improvements, replacement costs for the contents of your home, and that its reconstruction coverage is keeping pace with inflation.

 

rightDo you have a Home Equity Line of Credit (HELOC) for emergencies?

Many homeowners are making the proactive choice to secure a Home Equity Line of Credit (HELOC) for emergencies.  A HELOC is a revolving line of credit that only charges interest when you actually draw money from the line of credit. As you repay the balance of the draw, the credit becomes available again. Securing a HELOC in advance can be a great help if you’re ever laid off or have an unexpected medical or other emergency.

 

How’s your credit report?

The information in your credit report has a huge impact on whether or not you will again qualify for a mortgage loan.  That’s why it’s important to periodically check your credit report.

 

Now it’s even easy to do so. A recent amendment to the federal Fair Credit Reporting Act (FCRA) mandates that each credit reporting company provide you with a free copy of your credit report, at your request, once a year. To request your free credit report, visit http://www.annualcreditreport.com.  (Free reports are being phased in over a nine-month period, rolling from the west coast to the east beginningDecember 1, 2004.  By September 1, 2005, free reports will be accessible to all consumers.)

 

Are you making the most of your home’s equity?

With rising home prices, you may have more equity in your home than you realize.  Taking out a home equity loan to payoff credit card debt, car loans and other higher interest debts makes good financial sense.

 

leftIs it time to refinance?

The timing might be right to refinance your mortgage loan.  New rates may help you significantly lower your monthly payment. Or you might want to “cash out” some of the built-up equity in your home, which you can use to consolidate debt, improve your home, take a vacation - whatever! Perhaps by refinancing you can even pay off your mortgage sooner! 

 

We'll work with you to determine if the timing is right to change your loan program, considering your cash on hand, how likely you are to sell your home in the near future, and what effect refinancing might have on your future plans.

                                                

 

 

Ameritex Mortgage, DBA of Network Funding, LP NMLS #2297

NETWORK FUNDING, LP NMLS #2297 COMPLAINTS REGARDING MORTGAGE BANKERS SHOULD BE SENT TO :

THE DEPARTMENT OF SAVINGS AND MORTGAGE LENDING

2601 NORTH LAMAR SUITE 201

AUSTIN, TX  78705

A TOLL FREE CONSUMER HOTLINE IS AVAILABLE :  877-276-5550

THE DEPARTMENT MAINTAINS A RECOVERY FUND TO MAKE PAYMENTS OF CERTAIN ACTUAL OUT OF POCKET DAMAGES SUSTAINED BY BORROWERS CAUSED BY ACTS OF LICENSED RESIDENTIAL MORTGAGE LOAN ORIGINATORS.  A WRITTEN APPLICATION FOR REIMBURSEMENT FROM THE RECOVERY FUND MUST BE FILED WITH AND INVESTIGATED BY THE DEPARTMENT PRIOR TO THE PAYMENT OF A CLAIM.  FOR MORE INFORMATION ABOUT THE RECOVERY FUND, PLEASE CONSULT THE DEPARTMENT'S WEB SITE AT WWW.SML.TEXAS.GOV

 

 Loan Originators Texas License Information

Bryan Ely #241512, Michael Morabeto #224805, Cassandra Van Atten #271159, Darlene Porter #239841, Edwin Harris #231785, Greg Walsh #273411, Heriberito (Eddie) Garcia #239099, Maria Hernandez #314733, Randy Ikert # 210883, Lydia Saldivar #308208, Greg Damman #500418, Don Maples #265189,

 

Privacy Policy

Ameritex Mortgage is committed to protecting the privacy of our visitor's personally identifiable information. To better protect your privacy, we provide this notice explaining our online information practices and the choices you can make about the way your information is used at our site.

What Information We Collect and How We Use It

Personally Identifiable Information

When you place an order for products, information or services we collect certain types of personally identifiable information including (1) contact information, such as name, address, e-mail address, and telephone number; (2) credit card and ID verification information, such as credit card number.

We use this information to process requests for products and services. We also use collected information to communicate with you, such as to notify you (through e-mails and newsletters) about updates to products, to send you order confirmations, or to provide you with important product warranty or safety information.

In addition, we use contact information you provide to respond to your inquiries about our offerings, and to offer you, by means of e-mail or through our newsletter, additional products, programs or services that we believe may be of interest to you.

Supplementation of Information

We may, from time to time, supplement the information we collect online with outside records (e.g., information from our Strategic Partners or from wireless providers) to enhance our ability to serve you, to tailor our content to you, and to offer you opportunities to purchase products or services that we believe may be of interest to you.

Sharing of Your information

Agents and contractors who have access to personally identifiable information are required to protect it in a manner that is consistent with this Privacy Notice by, for example, not using the information for any purpose other than to carry out the services they are performing.

In addition, if you access Ameritex Mortgage through a third-party site, such as one of our Strategic Partners' sites, we also may need to report certain personally identifiable information (e.g., name and e-mail address) back to that Web site. As we explain further below in the section that follows, we will tell you at the point of collection if we will share personally identifiable information with the Strategic Partner through which you access the digital productions service.

By visiting our site and/or buying products and/or services on our site, you are accepting the practices described in this Privacy Policy and expressly agreeing to accept offers from us, our customers, and/or any third party to whom we may resell or share your information. The 3rd parties to whom we might resell or share this information include both individuals and companies engaged in the sales, marketing, advertising, and publishing industries for various products and services, as well as our shippers, carries, licensors, and/or business partners.

Our Collection of Personally Identifiable Information Through a Third-party Web Site

To provide you with content and service, we have relationships with many of the best service and content companies. As a result of these relationships, you can access Digital Productions through a third-party Web site.

Whenever you provide registration information on a co-branded page, that data may be shared with the third-party site through which you access Ameritex Mortgage. We encourage you to read the privacy policies of such third parties, as this Notice does not cover their use of information Non-Personally Identifiable Information
We may collect certain non-personally identifiable information about our visitors when you visit many of our Web pages such as the type of browser you are using (e.g., Netscape, Internet Explorer), the type of operating system you are using, (e.g., Windows '98 or Mac OS) and the domain name of your Internet service provider (e.g., America Online, Earthlink).
We use the non-personally identifiable information that we collect to improve the design and content of our service pages and to enable us to personalize your Internet experience. We also may use this information in the aggregate to analyze service usage.

Legal Process/Disclaimer

We may disclose personally identifiable information in response to legal process or when we believe in good faith that the law requires it, for example, in response to a court order, subpoena or a law enforcement agency's request

Choices/Opt Out

If you prefer not to receive marketing information or wish to fully deactivate your account information from us, simply let us know by sending a letter via certified mail to:

Ameritex Mortgage

1111 W. Mockingbird Lane #810

Dallas, TX  75247

Please note that even if you chose to opt out we will may continue to send you important service-related communications (e.g., order confirmation or product safety information). However, these are not promotional in nature.



Cookies

To enhance your experience with our site, we use 'cookies.' Cookies are used by your computer's browser to store your preferences. We use both session and persistent cookies. Cookies, by themselves, do not tell us your e-mail address or other personally identifiable information unless you choose to provide this information to us by, for example, registering at one of our sites.
We use cookies to understand site usage and to improve the content and offerings on our sites. If you set your browser not to accept cookies, you will still be able to use our site.

Links

In addition, our site contains links to other Web sites whose information practices may be different than ours. Our privacy policy does not cover these third parties' use of information. Visitors should consult the other companies' and sites' privacy notices as we have no control over information that is submitted to, or collected by, these third parties.

Security

We have put in place appropriate physical, electronic, and managerial procedures to safeguard and help prevent unauthorized access, maintain data security, and correctly use the information we collect online.


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