The Reichert Mortgage Team

Your Texas Mortgage Lender

The Reichert Mortgage Team is a veteran-owned mortgage broker offering loan programs for veterans, first-time home buyers, and everyone in between. We are proud to serve as your mortgage expert, whether you are moving to Texas for the first time or need to refinance your current home.

We know there’s a lot to love about Texas, from amazing job opportunities on Silicon Hill to diverse natural landscapes. We’ll help you realize your dreams of home ownership and make sure to pair you with the loan program that fits your situation. We pride ourselves on making the mortgage process transparent and easy by providing free resources and being accessible to answer your questions. If you want to streamline your mortgage application, schedule an appointment with one of our friendly mortgage experts.

VA Home Loans in Texas

As veterans ourselves, the Reichert Mortgage Team specializes in VA home loans and refinancing. Whether you are stationed at a local military base, like Joint Base San Antonio, or choose to retire in Texas, we’ll help you understand your VA benefits and use them to your advantage. We value your sacrifice and want to ensure that you and your family can enjoy a beautiful home. A few of the benefits you’ll enjoy with a VA loan include the following:

  • No down payment
  • Better interest rates
  • Lower credit requirements
  • Closing cost limits
  • No Private Mortgage Insurance requirements

 

We’re also happy to help connect you with local resources for veterans, so reach out to us if you need employment, mental health, or housing assistance.

OUR LOAN PROGRAMS

In addition to offering VA home loans for Texas veterans, the Reichert Mortgage Team has access to the best loan programs nationwide. As mortgage brokers, we work with various banks and lenders, meaning that we can help you compare rates without requesting multiple quotes. We’ll find the best eligible home loans and advise on the pros and cons of each for your situation. Here are a few of the programs that we offer:
FHA Loans Colorado

FHA LOANS

FHA loans are popular for first-time home buyers and home buyers with a lower income since they are backed by the Federal Housing Administration and require smaller down payments.

The most popular loan type in Colorado Springs is the conventional home loan. This type of loan has a fixed mortgage rate, fixed terms, and is perfect for anyone who has good credit and a down payment.

CONVENTIONAL LOANS

Conventional loans are not backed by a government agency but still must adhere to the guidelines set by Fannie Mae and Freddie Mac. Individual lenders set their own rules and regulations, meaning there are many different types of conventional loans with different terms and rates.

Farm and Ranch Loans Colorado

FARM AND RANCH LOANS

Texas has more farms and ranches than anywhere else in the country. If you are looking to purchase land or need to update your operations, Reichert can help you secure an agricultural loan that aligns with your goals.

Texas Mortgage Refinancing

If you already own a home in Texas but want to refinance to take advantage of lower rates or a better loan program, the Reichert Mortgage Team can help. Once you decide on a loan program with the help of your broker, you’ll take the following steps to refinance your home:

 

  1. Apply: Your potential lender will need to review your financial records to ensure that you are eligible for the loan.
  2. Lock in your interest rate: This prevents your rate from changing while you close on the loan.
  3. Underwriting: Your lender verifies your financial information and information about your home.
  4. Appraisal: The lender will need to verify that your home’s value is equal to or higher than the refinance loan you are requesting.
  5. Closing: You’ll sign the paperwork and pay any closing costs.

 

If you are interested in looking at loan options for a refinance, contact the Reichert Mortgage Team today.

Calculate Your Monthly Mortgage Payment

Buying a home in Texas is a big decision. It demonstrates a commitment to live in the area but also requires making some financial changes. If you aren’t sure if you are ready to purchase a home, or would like to explore how refinancing might affect your mortgage payment, check out our free mortgage calculators. One thing to note is that property taxes in Texas are among the highest in the U.S., so your actual monthly payment may be more than the calculated amount. To get the most accurate numbers, schedule an appointment with one of our brokers.

MORTGAGE EDUCATION

At the Reichert Mortgage Team, we want you to feel empowered to make informed decisions about your mortgage. So, we provide a number of free resources where you can learn more about the home loan process. Whether you’re looking for first-time home buyer grants in Texas or want to avoid common pitfalls, our blog and FAQs can help. Check out some of our recent posts below:

Troy Reichert Founder Headshot

About Troy Reichert

After 20 years in the Air Force, I decided that I wanted to serve my community in a different way. Every day I get to help veterans, individuals, and families realize their dreams of homeownership by finding them the perfect loan. Our values at the Reichert Mortgage Team are integrity, service, and community, which means that you can trust us to be a reliable partner during your home buying journey. I founded the Reichert Mortgage Team out of Colorado Springs, but we now service Virginia, Texas, and Florida. If you have questions about the mortgage process or are ready to start shopping for loans, I’d love to connect with you.

TESTIMONIALS

Get Pre-Approved for Your Texas Home Loan

Whether your dream home is in Austin or Waco, getting pre-approved for a mortgage will make your offer more competitive. If you’re ready to explore loan options, contact our team or start an online loan application. We’ve closed over $45 million in mortgage loans, and we can help you too. We’re experts in VA, FHA, and conventional loans, and by the time you close, you’ll also feel like an expert. We’ll make the process straightforward and answer all of your questions along the way. Take a step toward buying your Texas dream home today by working with the Reichert Mortgage Team.