Lakes and Hills Mortgage Company - Marble Falls, Horseshoe Bay, Burnet, Llano, Kingsland, Granite Shoals, Buchanan Dam, Texas

The Picayune Newspaper - People's Choice Award 2008Equal Housing Opportunity Lender     

704 Second Street, Marble Falls, Texas - Call (830) 693-4763 or Fax (830) 693-4494 - Quick Loans



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First Time Homebuyer Mortgages
First Time Homebuyer Programs fall into three categories:

Mortgage Credit Certificates (MCC) which allow the borrower to deduct a portion of their annual mortgage interest payments as a credit against income taxes owed on your tax return. The benefits of this are much greater than simply taking an itemized deduction for the annual interest paid. Any portion of the annual interest paid which can not be taken as a credit may still be shown in itemized deduction section of your tax return.

Mortgage Bond Programs refer to loan programs that offer mortgage funds obtained from the sale of tax exempt bonds. The proceeds from the bond sale are used to provide the borrower with below market rates of interest loans and/or down payment and closing cost assistance.

Grant Funds are just as their name implies, outright grants from non-profit entities that may be used for down payment and/or closing costs. A portion of the grant may have to be repaid if the property is sold within a stated period of time.

First Time Homebuyers are defined as those individuals who have not had an ownership interest in a home within the last three years. These programs may be sensitive to the borrower's gross annual income and are available only in specific geographic areas. They do not follow any time table as to availability so we must keep close watch on news publications and other sources of information about new programs for details.

Kathy Fletcher - Loan Originator

Kathy Fletcher
Residential Mortgage Loan Originator

NMLS #915861


Lakes and Hills Mortgage Co.
Kathy Fletcher, Residential Mortgage Loan Originator
A. Charlie Keiser, III Entity Administrator
704-708 2nd. Street, Marble Falls,TX,78654
(830) 693-4763 office | | (830) 693-1214 fax



Mortgage Brokerage Entity NMLS ID: 257532
Entity Account Administrator: A. Charles Keiser, III - NMLS ID: 233194

CENTURY 21 Keiser & Company Real EstateThe Owners of Lakes and Hills Mortgage Company also own
CENTURY 21 Keiser & Company Real Estate
and Susie's Travel Time

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Revised: 2/7/2014

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