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Gary Stallings, REALTOR®, real estate agent and broker for Houston and Surrounding Areas Texas home listings, property and land for sale - NUMBER1EXPERT(tm)
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  • Welcome - Get the best real estate listings & homes for sale, expert advice, local info, and much more from Gary, a proven Houston and Surrounding Areas, Texas NUMBER1EXPERT™ Top Selling real estate agent.

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Real Estate Tips
Financing Your Home >Assuming a Mortgage

You may be able to assume the seller's mortgage liability when buying a house instead of having to apply for a new loan.

Assuming a loan could minimize your down payment or closing costs and get you a more advantageous interest rate. To know whether an assumption will work, find out the loan balance. If the balance is a small fraction of the purchase price, you will have to come up with a large down payment or get a second loan for the difference, unless the seller is willing to provide some of the financing. If the loan balance is high, the loan may have been made when interest rates were higher than they are today.

Most newer loans that are assumable have adjustable rates. If you are considering an assumption because of credit problems, you will need the lender's approval to make the transaction work.

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Real Estate Trivia
Q 
What was the world's highest viewing platform before the opening of the Empire State Building in 1939?

A 
The Eiffel Tower, built between 1887-1889, was for 42 years the highest viewing platform in a man-made structure.
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Gary Stallings, REALTOR®, real estate agent and broker for Houston and Surrounding Areas Texas home listings, property and land for sale - NUMBER1EXPERT(tm)

Gary Stallings ABR, CRS, GRI

RE/MAX Northwest
6601 Cypresswood Drive
Spring, TX 77379
Phone: 281-893-8400
Fax: 281-537-3328

Email: garystallings@NUMBER1EXPERT.com

As one of America's NUMBER1EXPERTS™ in the Houston and Surrounding Areas and owner of Houston's largest RE/MAX office, Gary is well equipped to guide you through all your real estate needs. Call upon his services to enlist an agent who is bold, confident, and professional. Just call or email him today!

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