I'm Rob.
Your Local
Mortgage Professional

Whether you're buying, selling, refinancing, or building your dream home, you have a lot riding on your loan specialist. Since market conditions and mortgage programs change frequently, you need to make sure you're dealing with a top professional who is able to give you quick and accurate financial advice. I have the expertise and knowledge you need to explore the many financing options available.

Ensuring that you make the right choice for you and your family is my ultimate goal. And I am committed to providing my customers with mortgage services that exceed their expectations. I hope you'll browse my website, check out the different loan programs I have available, use my decision-making tools and calculators, and apply for a loan in just four easy steps with the short form Application.

After you've applied, I'll call you to discuss the details of your loan, or you may choose to set up an appointment with me using my online form. As always, you may contact me anytime by phone, fax or email for personalized service and expert advice.

Rob Zito

Loan Officer

NMLS# 329696

Contact Me
Rob Zito picture
4960 SW 72nd Ave suite 400
Miami, FL 33155
RZito@boldmortgage.io
(469) 951-9493

Local Mortgage Service in Dallas, Houston, Austin

As a dedicated mortgage loan officer at Bold Mortgage, I am passionate about helping individuals and families achieve their dreams of homeownership. With my over 30 years of extensive mortgage knowledge I take pride in providing a local mortgage service that caters to unique financial situations. Whether you are a first-time homebuyer or looking to refinance your existing mortgage, my goal is to ensure you have a smooth and informed experience every step of the way.

I specialize in a wide range of loan options, including FHA loans, VA loans, USDA loans, Jumbo, and traditional conventional loans. My approach is always client-focused; I listen to your needs and provide tailored solutions that fit your financial goals. I understand that every client is different, which is why I take the time to explore all available options, including jumbo loans and reverse mortgages. My expertise also extends to Non-QM loans, which can be ideal for those with unique financial circumstances.

Living and working in Texas allows me to develop a deep understanding of the local housing market, especially in cities like my hometown of Dallas. Dallas is a vibrant metropolis known for its thriving economy, diverse culture, and strong communities. The housing market here offers a variety of options, from historic homes to modern developments. I enjoy helping clients navigate this exciting landscape and find the perfect home that suits their needs. As your local mortgage service provider, I will work tirelessly to secure the best financing solution for your Dallas home purchase or refinance.

Moving on to Houston, the city where I started my mortgage career, this city represents another dynamic area where I am proud to offer my services. Houston is renowned for its rich tapestry of cultures, excellent culinary scene, and booming job market. With a vast array of neighborhoods, finding a home here can be exhilarating but also overwhelming. My role as your mortgage loan officer is to simplify this process. I provide insights into the Houston housing market and present financing options that align with your lifestyle and budget. Whether you are a first-time homebuyer or looking to invest, my objective is to empower you with the knowledge and resources needed to make an informed decision.

Austin, the capital of Texas, is known for its vibrant music scene, beautiful parks, and rapid population growth. The housing market in Austin can be competitive, and it is crucial to have a trusted mortgage loan officer by your side. I am committed to providing a local mortgage service that understands the nuances of Austin's real estate landscape. Together, we can explore various financing options, including down payment assistance and investor loans, to help you secure your ideal home. My goal is to ensure that you feel supported and confident throughout the mortgage process, no matter what type of loan you are pursuing.

In addition to my work with home purchases, I also offer a comprehensive range of refinance programs, such as FHA streamline and VA cash-out loans. These programs are designed to help homeowners tap into their equity or lower their monthly payments. Whether you are looking to refinance in Dallas, Houston, or Austin, my commitment to providing personalized service remains steadfast. I will work closely with you, ensuring you are informed about the benefits and potential savings associated with refinancing your mortgage.

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2

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3

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A conventional loan is a type of loan that doesn't have government backing or insurance, unlike FHA, VA, and USDA loans, which are insured by the government. Conventional mortgage loans, whether conforming or non-conforming, usually require a slightly larger down payment than some government loans. However, conventional loans offer more flexibility and fewer restrictions for borrowers, especially those borrowers with good credit and steady income.

Your credit payment history is recorded in a file or report. These files or reports are maintained and sold by "consumer reporting agencies" (CRAs). One type of CRA is commonly known as a credit bureau. You have a credit record on file at a credit bureau if you have ever applied for a credit or charge account, a personal loan, insurance, or a job. Your credit record contains information about your income, debts, and credit payment history. It also indicates whether you have been sued, arrested, or have filed for bankruptcy.

On a conventional mortgage, when your down payment is less than 20% of the purchase price of the home mortgage lenders usually require you get Private Mortgage Insurance (PMI) to protect them in case you default on your mortgage. Sometimes you may need to pay up to 1-year's worth of PMI premiums at closing which can cost several hundred dollars. The best way to avoid this extra expense is to make a 20% down payment, or ask about other loan program options.

It's generally a good time to refinance when mortgage rates are 2% lower than the current rate on your loan. It may be a viable option even if the interest rate difference is only 1% or less. Any reduction can trim your monthly mortgage payments. Example: Your payment, excluding taxes and insurance, would be about $770 on a $100,000 loan at 8.5%; if the rate were lowered to 7.5%, your payment would then be $700, now you're saving $70 per month. Your savings depends on your income, budget, loan amount, and interest rate changes. Your trusted lender can help you calculate your options.

An Appraisal is an estimate of a property's fair market value. It's a document generally required (depending on the loan program) by a lender before loan approval to ensure that the mortgage loan amount is not more than the value of the property. The Appraisal is performed by an "Appraiser" typically a state-licensed professional who is trained to render expert opinions concerning property values, its location, amenities, and physical conditions.

Contact Me
Anytime.

Rob Zito

Loan Officer

NMLS# 329696

Rob Zito picture
Rob Zito picture
Rob Zito picture

Rob Zito

Loan Officer

Bold Mortgage | NMLS: 329696

Getting started is Quick & Easy

If you have any questions, I’m here for you

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