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



Mortgages, Home Loans, Reverse Mortgages

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Mortgage Products

Reverse Mortgages -  If you are at least 62 years old and have low or no outstanding mortgage debt, Reverse Mortgage programs allow you to borrow against the equity you've built in your home without you repaying the debt for as long as you live there.  With a Reverse Mortgage, the homeowner borrows small amounts - monthly or at other intervals through a line of credit.  Over the course of time, the loan balance gets larger, and equity gets smaller. Payment is required only once, at the end of the loan, which in most cases is when the homeowner dies, sells or no longer uses the home as a primary residence.  It is important to note that property taxes and insurance payments must be paid.  The property must be maintained as it is collateral for the loan.  More Information . . .

Fixed Rate Mortgages - These mortgages provide you with the security of stable interest rates and monthly payments that never change. You might choose a fixed rate mortgage if you want the security of knowing that even if interest rates rise, your payments will remain the same.  More Information . . .

Adjustable Rate Mortgages - We offer ARMs for both short and long term mortgages. ARMs offer lower initial interest rates than fixed mortgages for a specified time, and then the rates are adjusted periodically to follow the market. These loans may be ideal if you plan to stay in your home for a short time.   More Information . . .

FHA Mortgages - The FHA insures mortgage loans to help people buy or refinance their current homes with a low down payment. The FHA insures loans so that if buyers default for some reason, the lenders will get their money. Down payments on FHA loans can be as low as 3% down.  More Information . . .

VA Mortgages - VA mortgage loans are intended to encourage lenders to offer veterans mortgages with more favorable terms. VA mortgages can be used to buy, build, improve, or refinance a home. These mortgages are often made without any down payment at all*, and frequently offer lower interest rates than are ordinarily available with other kinds of mortgages.  More Information . . .

First Time Home Buyer Programs - We offer many special programs that can help make getting a first mortgage easier than ever. We will guide you through the mortgage process, give a free mortgage affordability estimate so you know how much you can afford, and then help you select the mortgage that's right for you.  More Information . . .

No Down Payment Options - We have programs designed to meet the needs of borrowers with good credit and limited savings for a down payment. With our no down payment options, in many cases closing costs can be financed into the loan amount or can be paid from any combination of your own funds, an unsecured loan, gifts, grants, employee assisted housing funds or seller contribution. For down payments less than 20%, Mortgage Insurance (MI) is required and MI charges apply.  Contact Us for more details . . .

Construction Financing Programs - If you are building your home, our Single Close Construction-To-Permanent Loan may be all the financing you'll need. Our single application and approval process obtains both construction and permanent financing with one combined loan and one closing.  Contact Us for more details . . .

Advertising information and marketing materials are not from HUD or FHA and were not approved by HUD or a Government Agency.

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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