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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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Loan Options

Your Home Mortgage Loan Options

There are several loan options available when purchasing a home. Listed below are some of the home loan options offered by Premier Nationwide Lending. If you have any questions concerning the home loan process, please contact your Premier Home Mortgage Loan Expert who is on standby ready to assist you with your home mortgage needs.

FHA Lending

FHA loans are government-insured loans backed by the Federal Housing Authority. These guidelines offer the best hope for many borrowers to qualify for home loans on good terms they can afford.

Lower Downpayment

FHA loans require the lowest downpayments, and allow people to buy homes and start building equate sooner.

Lower Mortgage Insurance

In most cases, the monthly mortgage insurance fee paid on an FHA loan is lower than the fee paid on a conventional mortgage. This results in a lower monthly payment overall.

Better Interest Rates

FHA loan rates are generally very competitive.

Higher Debt Ratios

You can qualify with a higher total monthly debt for an FHA loan than you can for a conventional loan.

Higher Seller Contributions

There is a higher allowable seller contribution on FHA loans than there is on many conventional loans—6 percent as opposed to 3 percent. This means that you can negotiate for the seller to pay most, if not all, closing costs.

Conventional Fixed Rate Loans

A fixed-rate mortgage may be an ideal option if you:

  • Are concerned that interests rates will increase and you want the predictability of a fixed interest rate.
  • Want to be able to determine what your payment will be for years to come in order to plan out your budget.
  • Expect to own the home for many years.

Adjustable Rate Loans

An adjustable rate loan may be ideal if you:

  • Have a plan in place to move to a different home before the end of the initial rate period.
  • Are certain your income will increase enough in the future to cover the increase of the mortgage interest rate.
  • Require a lower monthly payment than what you can expect from a fixed-rate mortgage.

VA Loans

The VA Loan program is the most powerful home loan program on the market for many veterans, service members and military families. These flexible, government-backed loans come with significant benefits that open the doors of homeownership to veterans who might otherwise struggle to obtain financing.

No Down Payment

Saving money and building credit can be difficult for service members who are constantly on the move. With the VA Loan, qualified borrowers can finance 100 percent of the home’s value without putting down a dime.

No Private Mortgage Insurance

With a VA Loan, there is no PMI. This is because the federal government backs all VA Loans and assumes the risk on behalf of the borrower that is typically covered by the PMI.

Competitive Interest Rates

Pair that lower interest rate with the ability to purchase a home with no money down and no private mortgage insurance and the savings start adding up significantly.

Basic Allowance for Housing

Basic Allowance for Housing (BAH) is a significant benefit for qualified active military members. Lenders can count your Basic Allowance for Housing as effective income, which means you can use BAH to pay some or all of your monthly mortgage costs. BAH varies based on your pay grade, your geographic location and your number of dependents.

Jumbo Loan Programs

A jumbo loan mortgage is any home loan that is more than the conforming limit of $417,000 according to Fannie Mae guidelines on conventional mortgages. FHA mortgages however have upper mortgage limits that are set for each county starting at the lowest loan limit of $271,050. Since most banks do not have programs available for jumbo loan mortgage products they have become one of our specialties. Our Jumbo Mortgages are also available as a portfolio product for expanded guidelines outside of conforming limits. We have several jumbo loan mortgage programs that will put you in control of your mortgage investment.

Rural Housing

Rural Housing Development

  • Moderate income limits apply
  • No Down Payment Required
  • No Prepayment Penalties
  • No Limits on cash contributions
  • Can purchase an existing home or build a new home

* 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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