• Are you confused about your mortgage options?
• Do you know what credit scores are required in today's market?
• Do you know the rules on paying delinquent debt or old collections?
• Do you want to buy a home but feel you need to repair your credit first?
• Do you know how much cash you need to comfortably buy a home?
• Do you know the standard fees related to obtaining a mortgage and what additional fees apply to a refinance or home equity request?
• Do you need a Trusted Advisor to listen to your specific financial and credit position?
  

  If you answered yes to any of the above questions then let me be your guide through your "Personal Mortgage and Credit Action Plan”. This service is available to you and does not obligate you to make application for a loan with Anna or Texas Supreme Mortgage, Inc. 

  The “Mortgage and Credit Action Plan” covers a comprehensive:

• Summary of your goals
• The steps of the mortgage qualifying process
• The maximum housing ratio and debt ratios per program type
• The standard closing fees or costs
• What are pre-paid items and how they apply to dollars needed for closing  
• A review and a discussion of each credit item reflected in your credit report
• Advise you on debt to pay and why or NOT
• Give guidance on how you can effect corrections to your own credit report
• Point out ways to improve the credit score
• Define ways to obtain assistance on paying closing costs
• Explain escrow accounts and how or when they can be waived
• Discuss options on obtaining down payment dollars
• Reveal what items impact the end rate on the mortgage and why
• Credit score
• Amount borrowed
• Down payment       
• Type of loan request

• Explain mortgage insurance premiums and how they differ by product
• Discount points and how they apply
• Point out items which may improve your tax position
  

Anna: We wanted you to know we sent this testimonial to Kimberly at Waldron and Schneider-

This is just a quick note to update you on our questions about our ancient credit card concerns. We have been working with mortgage loan officer, Anna Babineaux, and she has helped us immensely to raise our credit scores. There are still some errors on the credit reports that Anna is researching, and I’m confident our scores will continue to rise as we work with Anna.We found Anna through some of the local networking groups that Waldren and Schneider has been involved in too. You may already know Anna. Her background is banking and mortgages. We have really learned a lot while trying to refinance our house. For example, disputing the accounts actually had a negative effect on our credit, rather than buying time for us as you and I thought it would.This is completely counterintuitive, but Anna’s specific experience with mortgages really shone for us. Your advice to us was right on-cue for dealing with a logical world, however, mortgages and credit scores seem to be part of a different kind of world. I highly recommend Anna to you or anyone who might be considering a new or refinanced mortgage. Even in this economic environment, Anna’s advice has been golden. - Barb and Rich

Anna,

Robert and I dreamed of owning our own beautiful home; never thinking it really possible due to past credit issues. Then we were referred to Anna. Anna made it possible for us to own our dream home. She is amazing, brilliant, hard working (to say the least) and completely honest. An exceptional lady to work with; we will think of her and thank her everyday waking up in our new home. - Brenda Trujillo

Anna was great!

She explained exactly what the refinance process would be. She talked to us about different options, outcomes and likely costs. She asked good questions to help us decide how to proceed. When we decided, Anna moved fast, keeping us informed the whole time, and she got everything done by our desired date. There were no surprises, costs came out as planned, and we’re now paying $350./mo less than before. I never thought a refi could be a “pleasant experience”, but this was. Go see Anna! - Kurt and Sara Kessler

This service is available to you for a flat fee of $275.00 and does not obligate you to make application for a loan with Anna or Texas Supreme Mortgage, Inc. 

I look forward to serving you,

You can pay online through Pay Pal's secure service with your credit or debit card.

Consulting/Application Fee

Consulting Fee $275.00 Application Fee $75.00 Extra Hour of Assistance $100.00

For me to assist you with this service, you must download and fill out the Authorization for Consulting Please make fees payable to Anna Babineaux. All forms and the application fee may be mailed to P. O. Box 1056, League City, Texas, 77574 or use Pay Pal for the application fee and fax the form, or mail the application fee and fax the forms and documents to 713-559-8357. This service is available to you for a flat fee of $275.00 and does not obligate you to make application for a loan with Anna or Texas Supreme Mortgage, Inc.