Herbert Peña I Pregúntale al Lender Published on: 12/01/2026Refinanciar una hipoteca no siempre es perder dinero. Te explico por qué, especialmente en los primeros años, la reestructuración de deuda puede ayudarte a pagar menos, ahorrar intereses y planificar tu futuro financiero.
Herbert Peña I Pregúntale al LenderDescubre si puedes usar solo el ingreso o solo el crédito de un cosigner para calificar para una hipoteca en Estados Unidos y qué excepciones existen.
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Consumers wishing to file a complaint against a company or a residential mortgage loan originator should complete and send a complaint form to the Texas Department of Savings and Mortgage Lending, 2601 North Lamar, suite 201, Austin, Texas 78705. Complaint forms and instructions may be obtained from the department's website at www.sml.texas.gov. A toll-free consumer hotline is available at 1-877-276-5550.
The department maintains a recovery fund to make payments of certain actual out of pocket damages sustained by borrowers caused by acts of licensed residential mortgage loan originators. A written application for reimbursement from the recovery fund must be filed with and investigated by the department prior to the payment of a claim. For more information about the recovery fund, please consult the department's website at www.sml.texas.gov.