--- title: Houston Mortgage Blog | Houston Home Loan Blog | HomeStart | Mortgage Refinance description: Mortgage Refinance | Our Houston mortgage blog provides solid advice about mortgage related topics in Texas. --- [![homestart_capital-logo](https://www.homestartcapital.com/hs-fs/file-16929747-png/images/homestart_capital-logo.png?width=286&name=homestart_capital-logo.png)](https://www.homestartcapital.com/) ## **713.275.2785** # Houston Mortgage Blog ## [Refinance with NO appraisal, income verification or minimum FICO!](https://www.homestartcapital.com/houston-mortgage-blog/bid/131976/Refinance-with-NO-appraisal-income-verification-or-minimum-FICO) Posted by [Daniel Jara](https://www.homestartcapital.com/houston-mortgage-blog/author/daniel-jara) on Thu, Mar, 29, 2012 @ 07:03 AM - [Tweet](https://twitter.com/share) [![](https://www.homestartcapital.com/hs-fs/file-16917590-jpg/images/e1g.jpg) ](https://www.homestartcapital.com/houston-mortgage-blog/bid/131976/Refinance-with-NO-appraisal-income-verification-or-minimum-FICO) Welcome back sub-prime? Well not necessarily. But Fannie Mae and Freddie Mac has revamped a 2yr old refinance program created under HARP (Home Affordability Refinance Program) and has re-launched it as HARP2 or DU Refi Plus. HARP2/DU REFI PLUS’ new features will increase the availability of refinancing to millions of Americans currently left on the sideline due to falling home values. Estimates put this number as high as 2 million new eligible loans. [Read More](https://www.homestartcapital.com/houston-mortgage-blog/bid/131976/Refinance-with-NO-appraisal-income-verification-or-minimum-FICO) 6 Comments [Click here to read/write comments](https://www.homestartcapital.com/houston-mortgage-blog/bid/131976/Refinance-with-NO-appraisal-income-verification-or-minimum-FICO#comments-listing) Topics: [mortgage](https://www.homestartcapital.com/houston-mortgage-blog/topic/mortgage), [Mortgages](https://www.homestartcapital.com/houston-mortgage-blog/topic/mortgages), [Refinance](https://www.homestartcapital.com/houston-mortgage-blog/topic/refinance), [Mortgage Refinance](https://www.homestartcapital.com/houston-mortgage-blog/topic/mortgage-refinance) ## [Common Tax Filing Blunders When Getting a Mortgage (part 4)](https://www.homestartcapital.com/houston-mortgage-blog/bid/129205/Common-Tax-Filing-Blunders-When-Getting-a-Mortgage-part-4) Posted by [Daniel Jara](https://www.homestartcapital.com/houston-mortgage-blog/author/daniel-jara) on Tue, Mar, 13, 2012 @ 07:03 AM - [Tweet](https://twitter.com/share) [![](https://www.homestartcapital.com/hs-fs/file-16911739-jpg/images/construction.jpg) ](https://www.homestartcapital.com/houston-mortgage-blog/bid/129205/Common-Tax-Filing-Blunders-When-Getting-a-Mortgage-part-4) In the past three installments we have explored the common tax filing blunders that can plague self-employed borrowers [(part 1)](https://www.homestartcapital.com/houston-mortgage-blog/bid/122503/Two-Most-Common-Tax-Filing-Blunders-When-Getting-A-Mortgage-part-1); business or rental property owners [(part 2)](https://www.homestartcapital.com/houston-mortgage-blog/bid/125421/Common-Tax-Filing-Blunders-When-Getting-a-Mortgage-part-2); and retirees [(part 3)](https://www.homestartcapital.com/houston-mortgage-blog/bid/127047/Common-Tax-Filing-Blunders-When-Getting-a-Mortgage-part-3) when trying to establish a mortgage. But what if you are neither of the aforementioned? If not self-employed, not a business owner and not retired, your taxes are what they are, right? Not so fast there partner. [This Houston mortgage broker](https://www.homestartcapital.com/about/daniel-jara/) has seen many a clever W2 employees commit one or one-too many tax somersaults to save handsomely on their tax return just to be disillusioned at time of application for that mortgage.    **Expensing a car loan could hurt you twice (and wheels come flying off)** [Read More](https://www.homestartcapital.com/houston-mortgage-blog/bid/129205/Common-Tax-Filing-Blunders-When-Getting-a-Mortgage-part-4) 0 Comments [Click here to read/write comments](https://www.homestartcapital.com/houston-mortgage-blog/bid/129205/Common-Tax-Filing-Blunders-When-Getting-a-Mortgage-part-4#comments-listing) Topics: [mortgage](https://www.homestartcapital.com/houston-mortgage-blog/topic/mortgage), [Tax Filing Blunders](https://www.homestartcapital.com/houston-mortgage-blog/topic/tax-filing-blunders), [Mortgages](https://www.homestartcapital.com/houston-mortgage-blog/topic/mortgages), [Mortgage Companies Houston](https://www.homestartcapital.com/houston-mortgage-blog/topic/mortgage-companies-houston), [Mortgage Refinance](https://www.homestartcapital.com/houston-mortgage-blog/topic/mortgage-refinance) ## [4 Tips on Refinancing Your Mortgage](https://www.homestartcapital.com/houston-mortgage-blog/bid/106839/4-Tips-on-Refinancing-Your-Mortgage) Posted by [Daniel Jara](https://www.homestartcapital.com/houston-mortgage-blog/author/daniel-jara) on Tue, Jan, 10, 2012 @ 09:01 AM - [Tweet](https://twitter.com/share) [![](https://www.homestartcapital.com/hs-fs/file-16920067-png/images/e3head.png) ](https://www.homestartcapital.com/houston-mortgage-blog/bid/106839/4-Tips-on-Refinancing-Your-Mortgage) You may have heard that mortgage rates are again at 50yr lows. This is true but the bigger question you may be asking yourself is “How do I decide if refinancing my home mortgage is the right step to take?” [Read More](https://www.homestartcapital.com/houston-mortgage-blog/bid/106839/4-Tips-on-Refinancing-Your-Mortgage) 0 Comments [Click here to read/write comments](https://www.homestartcapital.com/houston-mortgage-blog/bid/106839/4-Tips-on-Refinancing-Your-Mortgage#comments-listing) Topics: [Mortgage Refinance](https://www.homestartcapital.com/houston-mortgage-blog/topic/mortgage-refinance) [All posts](https://www.homestartcapital.com/houston-mortgage-blog/all) ### Subscribe via E-mail ### Latest Posts ### Posts by category - [2014 economic forum (1)](https://www.homestartcapital.com/houston-mortgage-blog/topic/2014-economic-forum) - [Avoid Mortgage Insurance (3)](https://www.homestartcapital.com/houston-mortgage-blog/topic/avoid-mortgage-insurance) - [Build Equity Faster (1)](https://www.homestartcapital.com/houston-mortgage-blog/topic/build-equity-faster) - [economic growth (1)](https://www.homestartcapital.com/houston-mortgage-blog/topic/economic-growth) - [fha (1)](https://www.homestartcapital.com/houston-mortgage-blog/topic/fha) - [housing (1)](https://www.homestartcapital.com/houston-mortgage-blog/topic/housing) - [Houston (1)](https://www.homestartcapital.com/houston-mortgage-blog/topic/houston) - [How to Make it In the Mortgage Business (1)](https://www.homestartcapital.com/houston-mortgage-blog/topic/how-to-make-it-in-the-mortgage-business) - [jobs (1)](https://www.homestartcapital.com/houston-mortgage-blog/topic/jobs) - [mortgage (5)](https://www.homestartcapital.com/houston-mortgage-blog/topic/mortgage) - [Mortgage Companies Houston (4)](https://www.homestartcapital.com/houston-mortgage-blog/topic/mortgage-companies-houston) - [Mortgage insurance (1)](https://www.homestartcapital.com/houston-mortgage-blog/topic/mortgage-insurance) - [Mortgage Refinance (3)](https://www.homestartcapital.com/houston-mortgage-blog/topic/mortgage-refinance) - [Mortgages (4)](https://www.homestartcapital.com/houston-mortgage-blog/topic/mortgages) - [Purchase (3)](https://www.homestartcapital.com/houston-mortgage-blog/topic/purchase) - [recovery (1)](https://www.homestartcapital.com/houston-mortgage-blog/topic/recovery) - [Refinance (1)](https://www.homestartcapital.com/houston-mortgage-blog/topic/refinance) - [Retirees (1)](https://www.homestartcapital.com/houston-mortgage-blog/topic/retirees) - [Tax Filing Blunders (5)](https://www.homestartcapital.com/houston-mortgage-blog/topic/tax-filing-blunders) - [Underwriting time (1)](https://www.homestartcapital.com/houston-mortgage-blog/topic/underwriting-time) - [When should you lock your mortgage rate (1)](https://www.homestartcapital.com/houston-mortgage-blog/topic/when-should-you-lock-your-mortgage-rate) - [Why HomeStart Capital? 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