Carlos Torres

682-289-0707

ctorres@mtgeconsultants.com

NMLS: 239815

Carlos Torres

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The Art of Accelerated Mortgage Payoff with a HELOC

The Art of Accelerated Mortgage Payoff with a HELOC

In the realm of personal finance, the dream of homeownership and the pursuit of mortgage freedom have always been central to the American narrative. For those seeking a swifter path to financial independence, a Home Equity Line of Credit (HELOC) offers a

Feb 22, 2024 | Refinancing a Home

The Pros and Cons of Biweekly Mortgage Payments

The Pros and Cons of Biweekly Mortgage Payments

Embarking on the exciting journey of homeownership involves making pivotal decisions, and one such decision is the frequency of your mortgage payments. Should you stick to the conventional monthly plan, or would the increasingly popular bi-weekly schedule

Feb 20, 2024 | Purchasing a Home

Mastering Real Estate: 5 Reasons Why a VA Loan is Your Winning Play

Mastering Real Estate: 5 Reasons Why a VA Loan is Your Winning Play

In the high-stakes arena of real estate, the savvy investor is always on the lookout for the most strategic moves. If you're a veteran or an active-duty military member, there's a game-changing play on the board: the VA loan. Let's break down the five com

Feb 15, 2024 | VA Loans

7 Things to Know Before Buying Your Dream Vacation Home

7 Things to Know Before Buying Your Dream Vacation Home

Embarking on the journey to purchase your dream vacation home is an exciting and rewarding endeavor. However, before you dive into the world of sunsets and serenity, there are essential aspects to consider. Let's unravel the seven things you should know b

Feb 13, 2024 | Purchasing a Home

The Importance of a Good Debt-to-Income Ratio

The Importance of a Good Debt-to-Income Ratio

In the tumultuous world of personal finance, there's one crucial factor that often takes center stage when you're setting your sights on that dream home: your debt-to-income ratio (DTI). It's not a mere technicality; it's the secret sauce that can make or

Feb 08, 2024 | Purchasing a Home

Understanding the Financial Power of Mortgage Points

Understanding the Financial Power of Mortgage Points

In the intricate world of personal finance, few concepts are as intriguing as the role of "points" in mortgage loans. Today, we'll embark on a journey to demystify this intriguing aspect of mortgage financing, much like delving into the nuances of habit f

Feb 06, 2024 | Purchasing a Home

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