Mortgage Loan Services

Get Answers to All Your Mortgage Loan Questions

Do you have questions about a mortgage loan? Shelly Gingras has the answers! As an experienced REALTOR® and Mortgage Loan Officer, Shelly specializes in helping homeowners with mortgage loan questions or concerns.

Shelly has extensive experience in accounting, auditing, secondary marketing, and mortgage banking that gives her the advantage over others. Shelly Gingras has a unique ability to understand the needs of each individual or organization, which allows her to create a customized financial plan and budget system. This allows for transparency, clarity, and an overall understanding of your financial position and therefore your overall buying capacity.

To schedule a consultation with Shelly, call LG5 Properties at (832) 430-4342 today. Be sure to ask about her free workshops and trainings!

How to Qualify for a Mortgage Loan

• Have a healthy credit score
• Have a steady stream of income
• Maintain employment
  
• Place a down payment

Is it Time to Refinance Your Mortgage?

Have you seen your mortgage payment increase significantly due to property tax increases? At LG5 Properties, Shelly Gingras recommends following these steps:

1. Pull your property tax records for the last 3 years
2. Contact your mortgage lender for escrow records
3. Call Shelly Gingras at (832) 430-4342 for a free 30-minute one-on-one consultation

During your one-on-one with Shelly, you'll come to understand the following:

• How home values are assessed by HCAD (Harris County Appraisal District)
• What property taxes in Katy, TX are supporting and how to apply for homestead
• How property taxes may be escrowed
• How to create a plan if your escrow balance is negative