US Mortgage Lenders | Chet Hearn
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Chet Hearn | US Mortgage Lenders

Chet Hearn

TEXAS MORTGAGE BROKER

NMLS #1931461

Call or Text:(830) 377-3692
Committed to provide unparalleled mortgage solutions.
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WHAT WE DO

Here’s why you should choose Chet Hearn and US Mortgage Lenders

Years of Expertise

Chet Hearn has an extensive history in real estate and financing, backed by years of experience. He offers clients seasoned insights and unwavering expertise.

Customer-Centric Focus

At the heart of our mission is a commitment to prioritize your aspirations.

Digital Innovation

Our online platform offers innovative tools, diverse loan programs, and competitive rates that redefine the mortgage experience.

Trusted Advocacy

Just like your trusted real estate agent, we work exclusively for your benefit.

We do the shopping for you – Our brokers’ relationship with multiple wholesale lenders provides us with the ability to comparison-shop rates and terms and present you with the best options currently available.  Banks/direct lenders do not shop different lenders for you.

We act as an intermediary – We work with you and wholesale lenders to identify the best lender choice for your situation.  On the other hand, direct lenders such as Banks, S&L’s, or other similar institutions decide if you qualify for one of THEIR specific programs.

We are borrower advocates – We are invested in you throughout and with you every step of the way.  We work on your loan from start to finish.  Banks and direct lenders typically use the “assembly” line mentality, passing you off to other people, which can cause frustration, confusion, and delays.

Clear Communications – Navigating mortgage terms and the various stages of the loan process can be challenging.  We take great pride in communicating, educating, and informing our customers throughout the entire loan process.

Follow Up – Staying in touch with the borrower and their real estate agent is a crucial benefit to keep everyone informed as your loan progresses from the application, pre-approval, loan submission, processing, underwriting, final loan approval, and closing.  We keep all parties involved in the process up to date on where the transaction process currently stands.

Personalization! Get your questions answered by ONE person.  Unlike national centers or direct lenders/banks, you may get a different person each time you call.  You will have direct access to your broker.  We care more about our clients, their well-being, and their overall satisfaction.  Rest assured, you will be happier with the process and service you receive from us.

Mortgage Loans That Fit Your Life

Numerous home loan choices are available to you, and it can pay to familiarize yourself with them. Luckily, we’re here to help you choose the best type of home loan for your needs and shop rates at no charge.

What’s My Best Loan Option and Rate?

Mortgage Rate Options

Fixed Rate

Not all mortgages are created equal. For example, while some borrowers choose adjustable-rate mortgages (ARMs), the most frequent loan type is the fixed-rate mortgage.
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Adjustable ARM

The Adjustable ARM (Adjustable Rate Mortgage) Policy is a financial mechanism designed to provide flexibility to American homeowners in managing their mortgage payments.
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Interest Only

An Interest Only Mortgage is a type of loan where the borrower makes monthly payments that solely cover the interest accrued on the principal amount borrowed.
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Graduated Payment 

Graduated Payment Mortgages are loans in which mortgage payments increase annually for a predetermined period of time
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Loan Program Options

FHA HOME LOAN

An FHA loan is a government-backed mortgage loan that allows you to buy a home with looser financial requirements. You may qualify for an FHA loan if you have debt or a lower credit score.
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VA LOANS

VA loans are mortgages guaranteed by the Department of Veteran Affairs. These loans offer military veterans exceptional benefits, including low interest rates

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REHAB LOAN

Transform your investment properties with ease using our hassle-free rehab loan options - apply today and watch your profits soar!

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JUMBO LOANS

A jumbo mortgage can provide you the larger funds traditional loans do not cover — given that you can find a lender that offers one, satisfy the requirements, and afford the higher cost.
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FIRST-TIME HOME BUYERS

To start, we offer a free pre-qualification service before you begin searching for your new home. Additionally, through our partner networks, we can connect you with a reliable real estate agent.
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USDA LOANS

A USDA home loan is a zero-down payment mortgage for qualifying rural homebuyers issued through the USDA loan program.

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LOW DOWN PAYMENT

Coming up with a down payment is one of the biggest challenges for many people looking to buy a house, causing them to delay their dream of homeownership.

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INVESTMENT PROPERTY

Investment property loans are a type of mortgage specifically designed for purchasing properties intended to generate income, such as rental properties or commercial real estate.
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REFINANCE

When you refinance, you replace your current mortgage with a new one that typically comes with improved terms and a lower interest rate.

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REVERSE MORTGAGE

A reverse mortgage loan, like a traditional mortgage, allows homeowners to borrow money using their home as security for the loan. Also, like a conventional mortgage, the title to your home remains in your name when you take out a reverse mortgage loan.
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30-YEAR FIXED RATE

Regarding the American dream of homeownership, a 30-year fixed-rate mortgage often plays a central role. It's not just a financial instrument; it's a key that opens the doors to the place you call home.

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15-YEAR FIXED-RATE

Regarding homeownership in the United States, the American Dream often involves owning a place you can call home. And for many, that dream is best realized through a mortgage

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NON-QM Loans

1099 MORTGAGE

On a conventional home loan, the lender is restricted to using only the taxable portion of the applicant's salary for qualification purposes.

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BANK STATEMENT LOANS

A bank statement loan is often an excellent option for qualified self-employed borrowers. However, self-employed borrowers must choose the best loan product to help fulfill their mortgage needs.
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DEBT SERVICE COVERAGE

As a real estate investor, you can dodge high rates and high points of private loans, lengthy approval processes, and stringent lending criteria with a debt service coverage ratio loan, a type of no-income loan
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ITIN MORTGAGE

Individual Tax Identification Number (ITIN) loans are for borrowers who do not have Social Security numbers.

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ASSET UTILIZATION

Maximize your resources and minimize waste with Asset Utilization - the secret weapon of successful businesses.

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Our Blogs

October 28, 2024
How Divorce Affects Your Mortgage Options and What to Do About It!

Divorce is tough, but have you thought about how it affects your mortgage? Beyond emotional strain, it can complicate your finances, especially if you own a home. Whether you're selling, refinancing, or keeping the house, understanding how divorce impacts your mortgage options is crucial. Here's how to navigate the process and protect your financial future. […]

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October 24, 2024
Why You Should Fire Your Landlord and Start Building Wealth Now!

If you've ever felt the frustration of sending your hard-earned money to your landlord each month with nothing to show for it, you're not alone. Renting may offer flexibility, but it also keeps you on a hamster wheel of endless payments without building any wealth for your future. It's time to step off that wheel, […]

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October 20, 2024
The Secret Formula to Financial Freedom: It's Easier Than You Think!

Financial freedom isn't reserved for the wealthy or the ultra-disciplined. It's about finding a balance between managing what you have and preparing for what's ahead. While it might seem like a distant dream, getting there doesn't have to be hard. It all starts with some simple changes in how you think about and use your […]

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US Mortgage Lenders

We offer a personalized and distinctive approach to mortgages, combining human-driven insights with technical expertise to create a perfect hybrid. Our lending solutions are designed to expedite loan processing, delivering faster results while substantially reducing costs.

Phone

(830) 377-3692

E-mail

chet@chethearn.com

Address

230 Castle Pines, Kerrville, TX 78028

Contact Chet

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This offer made by US Mortgage Lenders, LLC, NMLS # 1108258, 3440 Hollywood Blvd, Hollywood, FL 33021, which is not affiliated with your current lender, nor is it a federal government agency or a government form. This is not a credit decision or a commitment to lend.

CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A COMPANY OR A RESIDENTIAL MORTGAGE LOAN ORIGINATOR SHOULD COMPLETE AND SEND A COMPLAINT FORM TO THE TEXAS DEPARTMENT OF SAVINGS AND MORTGAGE LENDING, 2601 NORTH LAMAR, SUITE 201, AUSTIN, TEXAS 78705. COMPLAINT FORMS AND INSTRUCTIONS MAY BE OBTAINED FROM THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV. A TOLL-FREE CONSUMER HOTLINE IS AVAILABLE AT 1-877-276-5550.

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 WEBSITE AT WWW.SML.TEXAS.GOV.

Disclosure:
The content provided within this website is presented for information purposes only. This is not a commitment to lend or extend credit. Information and/or dates are subject to change without notice. All loans are subject to credit approval. Other restrictions may apply. Mortgage loans may be arranged through third party providers.
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