Archive for the ‘Products’ Category

Chavana Gives Back: Let’s Grow Together

Friday, December 4th, 2009

Hector A. Chavana Jr., Founder

Hector A. Chavana Jr., Founder

Hector A. Chavana Jr. offers new clients the opportunity to place their business with a firm that gives back.  Get your insurance9, tax return, real estate transaction or mortgage through Hector A. Chavana Jr. and you can tell him which of your favorite, charities, non-profits, activist or community groups you want 20% of his revenue to go to.  The donation must be mentioned at the time of transaction and not after.  It’s that simple. 

Existing clients may participate by opting for a new service.

The Chavana office is a leader at fax and e-service.  Avoid the long lines and hassle by faxing or emailing10 your tax return documents or switch your insurance immediately without stepping foot in the office.  Give back!

Call today 713-695-3072.

Terms and Conditions
1.  Pilot program expires March 29th, 2010, but may be renewed.
2.  At its sole discretion Chavana reserves the right to refuse donation to any morally or politically reprehensible causes.
3.  Donation is based off the first transaction only, and does not apply to renewal revenue.
4.  All donations must comply with the law. 
5.  Existing customers are excluded, unless they are electing a new service.
6.  The donation of 20% of the revenue only applies only to the office revenue.  Revenue which goes to outside servicers or partners is excluded.
7.  Donations over $100 based on insurance revenue may be subject to timed release.
8.  Other conditions shall apply as necessary
9.  Insurance is offered through Chavana Insurance, A Branch of The Woodlands Financial Group (TWFG).  Realty Services are offered individually by Hector A. Chavana Jr., an agent for Realty Associates.  Tax services are offered by Chavana Tax, wholly owned by Hector A. Chavana Jr. Mortgages are offered through New Day Lending, wholly owned by Hector A. Chavana Jr.
10.  Many, but not all transaction are available through e-mail and fax.

 

 

 

 

 

 

Loan Modification In Texas

Wednesday, October 14th, 2009

Loan modification in Texas is not much different than in other states.  However, your best bet might be to look for a non-profit agency that can counsel you on how to get your mortgage modified in Texas.  Houston, Austin, Texas, San Antonio and Lubbock all have great loan modification experts.  Just make sure that you get referrals before you use one.  Ask the person for a license.  In Texas, the regulatory agency has decided recently that anyone actively engaged in loan modification must be licensed, and they are working with operators to being them into compliance.

Refinancing in Houston, Texas

Wednesday, October 14th, 2009

Refinancing in Houston, Texas or Dallas, San Antonio, Lubbock, or Austin is still a good idea.  Rates are at historic lows.  Sometimes you will have to make the decision to use a mortgage broker or a direct lender, like a bank or mortgage bank.  Of course try your application with New Day Lending, but you may still want to shop around for different lenders.  There is no harm in that. 

Compare Good Faith Estimates.

Just make sure that you remember that the estimates are given in good faith, and are not a promise or contract.  The estimate’s good faith is as good as the character, knowledge of the person providing it, as well as the market conditions that you find yourself in.  If you like a rate being offered, ask about locking the rate.  Low mortgage rates in Texas are available.  Look for them!

Flood Insurance In Houston

Friday, May 29th, 2009

Flood season is around the corner, and in Houston, flood insurance is very important. Preferred areas often have policies in around the $250-$350 range. Call today for a quote 713-695-3072. There is a mandatory 30 day wait period for anyone who has not had flood insurance before, so don’t count on getting insurance right before the hurricane comes in. It won’t happen.