Borrower-Requested PMI Cancellation and Automatic Termination
Request cancellation at 80 percent of original value, automatic termination at 78 percent, and a midpoint backstop that applies either way.
Read the guide →The mortgage field guide
Answers for the decisions between search and closing.
Practical, source-backed mortgage education for Texas homebuyers. Each article separates lender responsibilities from real estate, inspection, appraisal, title, and settlement roles so you know what to confirm and whom to ask.
Issue 01 Summer 2026
Latest guidance
Begin with the decision in front of you.
Every article cites primary government sources, shows when the information was checked, and tells you which professional can answer the next question.
Conforming and Jumbo Loans: Where the Official Limits Come From
Use the official year, county, and unit-count lookup, then understand what the conforming boundary does and does not decide.
Read the guide →Why Lenders Reverify Credit and Employment Before Closing
What a lender rechecks between the underwriting decision and your note date, which of those checks the rulebook actually requires, and what sends a file back through underwriting.
Read the guide →How to Dispute an Error on Your Credit Report
Where to send a credit report dispute, what it has to include, the 30-day reinvestigation clock, and what happens when an item is verified instead of removed.
Read the guide →Hard and Soft Credit Inquiries in a Mortgage File
Which mortgage credit checks can affect scores, who sees them, how model-dependent shopping windows work, and what to ask before a lender pulls credit.
Read the guide →Sharing Mortgage Documents Securely With Your Lender
How to send income, asset, and identity documents to a lender without exposing account data, and how to check that a request is genuine before you answer it.
Read the guide →Affiliated Business Arrangement Disclosures When a Builder Refers Its Own Lender
What the required written disclosure must say when a builder refers a lender it owns part of, and why a referral is not the same as required use.
Read the guide →Interested Party Contributions: Limits on What a Builder Can Pay Toward Closing Costs
See how loan program, occupancy, leverage, valuation, and actual eligible costs determine what a builder credit may cover and how an excess is treated.
Read the guide →How Much House You Can Afford: What a Lender Reviews
Which figures a lender documents when sizing a loan, why a budget and a loan amount answer different questions, and where the official guidance lives.
Read the guide →What Intent to Proceed Means on a Mortgage Application
What the rule requires, how you can give intent, which charges are restricted before you do, and why it is not a loan approval.
Read the guide →Switching Mortgage Lenders After You Receive a Loan Estimate
Compare disclosures, identify work that may repeat, ask whether an appraisal can be considered, and coordinate the dates before changing course.
Read the guide →Which Loan Estimate Services You Can Shop For
Use Section C and the separate provider list to compare matching scopes, confirm an off-list provider, and understand how provider choice may affect tolerance treatment.
Read the guideWhat to Bring to Your First Mortgage Conversation
Separate the six Loan Estimate application items from situation-dependent verification documents, then bring focused questions to the lender conversation.
Read the guideWhat a Texas Buyer Should Confirm Before Locking a Mortgage Rate
What a rate lock fixes, where to check it on a Loan Estimate, why a locked rate is not a loan approval, and the questions to ask the lender before you lock.
Read the guideWhen Should You Talk to a Lender Before House Hunting?
Learn when to begin a lender conversation, when preapproval becomes useful, and what changes after a Texas buyer identifies a home.
Read the guideWho Does What From Preapproval to Closing?
Understand the buyer, lender, real estate, appraisal, inspection, title, and settlement roles in a financed Texas home purchase.
Read the guideHow Financing Fits a Texas Home Offer Timeline
See which financing details to confirm before a Texas offer, after contract acceptance, during underwriting, and before closing.
Read the guideHow to Plan a VA Home Loan During a JBSA Move
Plan a VA-backed home loan during a JBSA move, from official housing guidance and the San Antonio home search through appraisal, inspection, and closing.
Read the guideAnswers you can verify
Know where each fact came from.
Mortgage guidance should be useful enough to act on and careful enough to verify.
- 01
Primary sources first
Federal and state agencies support rules, forms, and program details.
- 02
Know whom to ask
Each article directs lending, brokerage, inspection, appraisal, and settlement questions to the right professional.
- 03
Clear review dates
Each article shows when it was published, updated, and checked against its sources.
The author
Mortgage education with a license number attached.
Jonathan Morris is a licensed REV Mortgage loan officer serving Texas, NMLS #2792614. His articles explain the mortgage process in plain language and direct readers to primary sources for details that should not rely on memory or marketing copy.
Have a Texas mortgage question?
Call or email Jonathan, or use the official REV Mortgage portal when you are ready to provide application information.