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Katrinia L. McGuire
RMLO NMLS 240211
c: (281) 723-9733
o: (281) 993-5200
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105 Hunters Lane, Suite 106
Friendswood, TX 77546
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Down Payment Assistance

Home Mortgage Loan Special Programs

There are several programs available for homes located anywhere in Texas that provide funds for down payment and/or closing costs. This assistance comes in the form of grants which do not have to be repaid and/or second liens which must be paid in full when the home is sold or refinanced. The interest rates are fixed for 30 years. These programs have restrictions based on your family income, family size and the County you are purchasing in. Not all of the programs require that you be a first time homebuyer.

HEROES/EDUCATORS

Home Loan Programs provide a FHA loan to eligible homebuyers. In addition to a fixed interest rate, these programs offer down payment and closing cost assistance, up to 5% of the mortgage loan amount, in the form of a grant.

To be eligible for this program, a homebuyer must be of a specific group:

  • Homes for Texas Heroes: A full-time paid fire fighter, peace officer, corrections officer, juvenile corrections officer, county jailer, EMS personnel, or public security officer
  • Professional Educator: A full-time Texas classroom teacher, teacher’s aide, school librarian, school nurse, school counselor, or an allied health or nursing faculty member

CURRENT, PREVIOUS, OR FIRST TIME HOMEBUYER(S)

There are home loan programs available that offer competitive interest rates to eligible homebuyers. In addition to a fixed interest rate, these programs offer down payment and closing cost assistance in amounts ranging from 4% to 5% of the mortgage loan in the form of either a second lien or a grant. Eligible borrower(s) must meet the programs income limits and guidelines.

MORTGAGE CREDIT CERTIFICATE (MCC)

With an MCC, the qualified homebuyer is eligible to take a portion of the annual interest paid on the mortgage as a special tax credit, up to $2,000, each year that they occupy the home as their principal residence. An MCC has the potential of saving the homebuyer thousands of dollars over the life of the loan.

The program is open to those individuals and families who:

  • Meet income and home purchase requirements
  • Have not owned a home as a primary residence in the past three years
  • Meet the qualifying requirements of the mortgage loan
  • Will use the home as their principal/primary residence

The MCC is a non-refundable tax credit, therefore, the Homebuyer MUST have a tax liability in order to take advantage of the tax credit.

For more information on special programs, please contact your Premier Nationwide Lending Home Mortgage Loan Expert.

* Loan programs are subject to credit and property approval. Other guidelines may apply.

Residential Mortgage Loan Originators

Originally I wanted to be a nurse; after all, isn’t that the dream of most little girls? I really wanted to help people and thought this would be the best way. I was first exposed to the mortgage industry as a clerk – working toward my nursing goal behind the scenes. I rapidly became enamored with how crucial the mortgage service industry is in the lives of people, helping them in a very surreal way – with their finances! Nursing slowly took a backseat as I realized the hands-on learning I was experiencing as a loan clerk could be put to immediate use in the lives of folks who desired to find a safe place for their family to call home.

I have now been a part of the mortgage lending industry for over 23 years. I do not regret my decision one bit. I moved from loan clerk to loan processor very quickly, surpassing all branch volume expectations and was recognized as Top Processing Supervisor.

Being so enthusiastic with lending; I began originating loans and endeavored in my personal production goals. I feel I have a unique passion for people and their desire for security and homeownership. You see for me, it doesn’t stop at simply the client buying a home. I look at the entire family financial picture, analyze their objectives and ensure that this new mortgage payment and all that comes with it will provide peace of mind & confidence for the future. Because in the end, a beautiful home is no fun on a Friday night if all you can do for dinner is eat PB&J while staring at the same television screen!

“It is really all about the client and their family. By removing myself from the equation, I am able to focus on their objectives; not merely for the home itself but for their overall financial goals. This is crucial if I hope to earn trust that deserves loyalty! It is more than just a house; it is their home and family’s very own place of security”.

This is how I developed a truism that I take deeply to heart - “It’s Your Home. It’s My Reputation. I CARE about Both!”

I am honored to say that my efforts & dedication to the right things have paid off. I was rated the top 1% of Mortgage Professionals in the State of Texas by Texas Monthly Magazine four years running – 2011, 12, 13, & now in 2014. I take this tribute seriously and am blessed by the recognition!

I am committed to providing my clients with the highest quality home loans combined with great interest rates and sensible closing costs. No matter where in Texas you desire to call home – be it Clear Lake, League City, Friendswood, Deer Park, Pasadena, Pearland or anywhere in this Great State – I am ready to help ease your concerns and provide you with the honest answers and education you need to make the best decision for your family!


Loan Center

Checklist

What you will need to ensure a smooth home mortgage process.

Loan Options

There are several loan options available when purchasing a home.

Down Payment Assistance

Find out more about special programs and who qualifies.

Calculator

Wondering how much you can finance?

Testimonials

Thank you for providing 1st Class superior service to me and my buyers! Looking forward to many transactions with you in the future!

Mary M., UTR Texas Realtors

You did an awesome job with Darren & Melanie! When the going gets rough, you know how to handle it! I appreciate and admire you more than ever. Looking forward to more happy endings together!

Barbara S., UTR Texas Realtors

We truly appreciate all the work you did on our refinance & thank you for making it so easy! You’re wonderful to work with!

Joe & Gina B.

Your thoughtfulness means so much. We love our new home. Our son is thriving with a safe neighborhood. Thanks again for all your help!

Randy & Sharron M.

I really want to thank you so much for the time you spent talking with me and helping me understand the process. Please rest assured that when I do purchase a home, I will be coming back to you. It is obvious that you take pride in your work and treat everyone with unparalleled professionalism. It was a pleasure to work with you.

Madison B.

Johnny and I would like to thank you for all cards and e-mails you send. We love our new home and we couldn’t have gotten in it without you. Of all the things I am thankful for, your help is one of them!

Leslie & Johnny J.

We just received our mail key today and found your cards that you sent. Thank you again for such a wonderful job done! In fact, my Realtor told me that he could use someone like you in this market with how easy you made the process. Your commitment and dedication to your craft go above and beyond and I, along with Jenny, thank you from the bottom of our hearts. I look forward to the continued relationship and will always recommend you at any time possible.

Jeff, Jenny and Family

Thank you for going the extra mile for us! We appreciate you!

Jeff & Stefanie W.

Thank you Juli Morman and Katrinia McGuire for helping us become proud owners of our beautiful new home! We love it! You two ladies make an amazing team!

Javier & Jennifer G.

Heeeeeeyyyyyy.... Have I told you, you are the best at what you do???? You rock at your job sister! We are so very grateful for your dedication to us! You are passionate about helping people! Thank you!!! #bestlenderever, #mustusethislady, #makesyourdreamscometrue

George & Tiffany N.

It has been my pleasure to know and work with Katrinia over the past ten years in the title business. I’ve become very close to her as a friend and highly respect her as a colleague as well. She is a person of very high integrity and truly cares about people. Purchasing a home is a very exciting and yet stressful time for homebuyers. Because she cares……she is able to relate to the circumstances and lives of her clients and fulfill their needs as their lender. As an Escrow Officer with South Land Title Company, I am always thrilled to have the opportunity to work with Katrinia in our joint effort to close on the purchase of our clients’ homes. This is because I know that she is very knowledgeable in the lending industry and provides excellent customer service. Giving Katrinia any referrals in the past has been extremely comfortable for me because over a period of ten years I have consistently witnessed the compatibility between her and her clients and the true happiness and satisfaction that she provides them.

Pamela P., Escrow Officer - South Land Title Company

Katrina, thanks so much for not wanting to tear your hair out before you got through with this. You were great and never wavered from your goal of closing this property. We sincerely appreciate your diligence in completing this transaction with a satisfactory conclusion. Thank you again,



Becky B.
 - Century 21 Paramount

Thank you for helping us purchase the PERFECT home! We love it and couldn’t have done it without your hard work. You are a true blessing and we appreciate you! Have a very Merry Christmas!

Evelyn & Joe

We can’t Thank You enough. It’s been a month since we’ve been in our home & we love every minute of it. Thank you for making our dreams come true! With Love,

The Buentello family

Just so you know – you made a difference! Thank you again for everything you did to get us into our wonderful home!

Eric & Joanna

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