US Mortgage Lenders | Chet Hearn
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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

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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

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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 and no ...
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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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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

Start your home search with a free pre-qualification, getting you ready for the process ahead. Plus, we can connect you with a trusted real estate agent through our network.
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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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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 LOANS

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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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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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 Mortgage

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 mortgage

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

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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
Loan

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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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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