Welcome to our site!
Thank you for stopping by our mortgage web site. Even though we have taken special care and consideration to pack this online resource with a wealth of knowledge about the mortgage and real estate process, we want ...
8 Questions Your Lender Should Answer About Mortgage Rates
Simply checking online for today's posted rate may not lead to your expected outcome due to the many factors that can cause each individual rate and closing cost scenario to fluctuate. We can preach communication ...
How Much Can I Afford?
How much mortgage money can I qualify to borrow? This is typically the number one question mortgage professionals are asked by new clients. Of critical importance when considering mortgage financing: There is sometimes a difference between what a client ***can*** borrow and what they ***should*** borrow. In other words, what makes for a comfortable long-term mortgage payment? The Quick Answer: If we're simply considering the financial math, lenders will calculate your Debt-to-Income ... Read More...
Four Possible Reasons To Refinance
A mortgage is generally the largest debt most homeowners have to manage. It's a good idea to give your personal real estate finance portfolio a check-up at least once a year. Since there are many reasons a ho ...
USDA Big Changes Coming 10.1.2012
It’s official. According to data from the 2010 Census, a total of 29 cities in Texas have seen an increase in population and are now considered part of an MSA (Metropolitan Statistical Area). These cities are no longer considered “rural” and as of October 1st, 2012 will not be eligible for USDA financing. (The USDA loan is one of the few r ...
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Investment Property as a College Savings Fund
Over the years, I’ve helped many families purchase investment property as a means to save enough money for their young children’s college education. While there are vehicles available to help with this cost (like the 529 college savings plan, scholarships, grants and student loans), investing in ...
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United Lending Recognized By Austin Business Journal for 2010
For the second year in a row United Lending LLC received recognition from the Austin Business Journal. We were ranked the #3 mortgage banker in the Austin area for 2010. We are immensely proud and humbled by this accomplishment! It is our clients, partners, and dedicated staff who make this continue ...
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Changes in the Homestead Exemption Law
Starting on September 1, 2011 applicants applying for the homestead exemption will be required to provide documentation to prove that they live in the house they claim as their primary residence. The new law (House Bill 252) requires that a copy of the homeowner’s Texas driver’s license or stat ...
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Upcoming VA Funding Fee Changes
Important update as of 11/8/2011--VA believes it is highly likely that Congress will pass a bill keeping funding fees at their present level. If a bill is passed and signed into law, the funding fees will not decrease as scheduled. VA is closely monitoring the situation and will post notices as soon as they receive definite information.
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We are excited to announce great rates on our new Jumbo Loan Program
Are you looking to finance or refinance a loan over $417,000? Unlike a normal 5 year Adjustable Rate Mortgage (ARM) with an interest rate that adjusts every year (or 6 months), on our new 5/5 ARM loan program the interest rate is fixed for 5 years at a time. This means the starting rate is fixed f ...
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Silvia Ward Carden
Since 2001, my mission as a mortgage originator has been to ensure that all of my clients make educated decisions when financing a home. Nearly all of my business is based on referrals.
Silvia Ward Carden, NMLS 217202
Mortgage Loan Originator
United Lending LLC
(512) 592-5455
silvia@silviaward.com
