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      • Homes with pool
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      • Fulshear Homes
      • Missouri City Homes
      • New Construction Homes
      • Land for Sale
      • Map Search
      • Richmond Homes
      • Spring Homes
      • Sugarland Homes
      • The Woodlands Homes
      • Tomball Homes
      • Foreclosure homes
      • For Lease Homes
      • Advanced Home Search
    • Home Resources
      • Apply Now
      • One-Stop Real Estate
      • Current Mortgage Rates
      • What Is My House Worth
      • Home Buyer's Guide
      • Home Seller's Guide
      • Owner Financing Homes
      • HAR Houston Homes
      • Houston HOA Homes
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    • Blog/Info
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      • Real Estate Agents
    • Calculators
      • Buy Vs Rent Calculator
      • Mortgage Calculator
      • House Affordability
      • Closing Cost Calculator
      • Reno Loan Calculator
      • Capital Gains Calculator
      • Mortgage BuyOut
      • Blended Rate Calculator
      • Mortgage Assumption Tool
      • Seller Net Sheet Texas
      • Buyer Closing Cost
      • Property Taxes Calculator
      • 3/2/1 BuyDown Calculator
      • Rate Buydown Calculator
      • Real Estate Commission
      • Rental Calculators
      • Refinance Closing Cost
      • BRRRR Calculator
      • Cash on Cash Returns
      • Loan Comparison Tool
      • DSCR Loans
      • Inherited property Homes
      • Home Builder Discounts
      • FHA 203K Loan Calculator
      • Energy Cost Calculator
      • Affordability of Rent
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      • Navigating Divorce Book
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      • Divorce Resources
      • Divorce Seminar
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832.483.0829

The Gifford Group

Signed in as:

filler@godaddy.com

  • Home
  • Home Search
    • 55 Plus Communities Homes
    • Cypress Homes
    • Dream Homes
    • Find A New Home
    • Home Listings
    • Homes with pool
    • Katy Homes
    • Houston Homes
    • Fulshear Homes
    • Missouri City Homes
    • New Construction Homes
    • Land for Sale
    • Map Search
    • Richmond Homes
    • Spring Homes
    • Sugarland Homes
    • The Woodlands Homes
    • Tomball Homes
    • Foreclosure homes
    • For Lease Homes
    • Advanced Home Search
  • Home Resources
    • Apply Now
    • One-Stop Real Estate
    • Current Mortgage Rates
    • What Is My House Worth
    • Home Buyer's Guide
    • Home Seller's Guide
    • Owner Financing Homes
    • HAR Houston Homes
    • Houston HOA Homes
    • Real Estate Market News
  • Blog/Info
    • New Beginnings Blog
    • Contact Us
    • Order Our Book
    • Our Team
    • Real Estate Agents
  • Calculators
    • Buy Vs Rent Calculator
    • Mortgage Calculator
    • House Affordability
    • Closing Cost Calculator
    • Reno Loan Calculator
    • Capital Gains Calculator
    • Mortgage BuyOut
    • Blended Rate Calculator
    • Mortgage Assumption Tool
    • Seller Net Sheet Texas
    • Buyer Closing Cost
    • Property Taxes Calculator
    • 3/2/1 BuyDown Calculator
    • Rate Buydown Calculator
    • Real Estate Commission
    • Rental Calculators
    • Refinance Closing Cost
    • BRRRR Calculator
    • Cash on Cash Returns
    • Loan Comparison Tool
    • DSCR Loans
    • Inherited property Homes
    • Home Builder Discounts
    • FHA 203K Loan Calculator
    • Energy Cost Calculator
    • Affordability of Rent
  • Divorce
    • Navigating Divorce Book
    • Child Support Calculator
    • Divorce Buyout Calculator
    • Divorce Videos
    • Divorce Real Estate
    • My Divorce Real Estate
    • Refinance Now
    • Divorce Checklist
    • Divorce Resources
    • Divorce Seminar
    • Divorce Support
    • What Happens To The House

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Current Mortgage Rates

Loan Comparison Calculator

cash out refinance calculator

We introduce the loan comparison tool developed by The Gifford Group to help individuals with current mortgages who are considering refinancing or those who are buying out their spouse during a divorce.  



Assumable Mortgage Calculator

Mortgage information, The Gifford group is here to help.
Need Mortgage Help?

Get connected with a Local Lender

Getting pre-qualified is the first step to homeownership. We are a local lender that can help get you pre-qualified today so you can get into a new home quickly using today's low mortgage rates. 

Read our Mortgage Glossary 

First-Time Home Buyer's Guide


Apply Now

How Much House Can I Afford?

Can I afford to buy a Home?

 We show you how to use our Mortgage Calculator to calculate a mortgage payment. 

We also cover Private mortgage insurance and in what cases you will need to include PMI.  
  

Mortgage Calculator, Calculate my mortgage payment

What factors impact mortgage rates?

5 Factors that Control your Mortgage Rate

Boosting Your Mortgage Chances: 5 Factors You Can Control for Better Results


Discover how to improve your mortgage prospects by influencing these key factors. Take control of your financial future with these actionable steps. Check out the Loan Comparison Calculator 


1. Optimize Your Credit Score

   Elevate your creditworthiness by boosting your credit score. Lenders favor borrowers with high credit scores, leading to more attractive mortgage interest rates. Learn effective strategies to enhance your credit score before applying for a mortgage.


2. Manage Your Debt-to-Income (DTI) Ratio

   Stay within the preferred DTI ratio of 36% or lower to impress lenders. High DTI ratios signal risk, resulting in higher mortgage rates. Learn how to efficiently manage your DTI to avoid potential loan denials and secure better rates.


3. Navigate Home Prices Effectively

   Understand the impact of home prices on your mortgage journey. Learn about Jumbo Loans for pricier homes and stay informed about FHA conforming limits. Stay ahead of the curve regarding financial planning for different home price scenarios.


4. Take Command of Loan-to-Value (LTV) Ratio

   Lower your LTV ratio by making strategic decisions. Consider purchasing below market value or making a substantial down payment to minimize risk perception by lenders. Learn how to control this critical factor for a more favorable mortgage rate.


5. Strategize Your Mortgage Loan Terms

   Optimize your mortgage terms for better rates. Explore the advantages of 15-year mortgages over 30-year options and understand the dynamics of variable interest rate loans.


 By proactively managing these factors, you can significantly improve your mortgage application and increase the likelihood of securing a more favorable interest rate. 


Looking to try and VA Loan Assumption  Read more. And Check our Assumable Mortgage Calculator


Mortgage Rates
VA loans, Let the Gifford Group help
12 THING TO KNOW ABOUT VA LOANS

VA Loans

Learn how we can help get you into a new home using your VA benefits today! 30 year mortgage rates


Learn more about the Latest Real estate Market update

Learn more


Cover All Your Real Estate Needs in the Greater Houston Metroplex. 

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The Gifford Group, LLC - All Rights Reserved.

Equal Housing Opportunity

Opening Doors to New Beginnings

 Copy Right 2024 The Gifford Group. All rights reserved. All photos, images, and videos on this website are copyrighted and may not be downloaded reused without the written permission of the Gifford Group


Amber Gifford, TREC Lic. #0732687

INFORMATION ABOUT BROKERAGE SERVICES 


Scotty Gifford TREC Lic. #0740987

 Information About Brokerage Services



Scotty Gifford NMLS ID # 2357310

Mortgage lender is mimutual  NMLS # 12901   

MiMutual Mortgage is not affiliated with The Gifford Group. 

Scotty Gifford is both a licensed real estate agent and Mortgage Loan Officer (MLO) at MiMutual Mortgage
Texas Real Estate Commission Consumer Protection Notice


 Broker is Amber Gifford of The Gifford Group, LLC

Real Estate LLC, License #9014675 



 

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Lender is MiMutual Mortgage

Divorce is more than an ending—it’s a new beginning.

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