Irvin Cobb, II - Realtor

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United States
Houston, TX
Irvin Cobb, II - Realtor

I'll help you buy, sell or rent a home.

02/24/2023

🏗 You are invited to an Open House, Saturday, 2/25/23.

It's ready for its new Owners.🏚🔑

02/10/2023

For Sale! Beautiful home in the Willow Bend community. Minutes away from The Galleria, NRG Stadium, and the Medical Center. Schedule your showing today.

Irvin Cobb, II
(346) 278-8515
[email protected]

01/24/2023

The road to sold in just one simple step. ☝
Step 1: Call me! 📲
If you're thinking of listing, reach out and get in touch. I'll take the wheel and drive us down the road to success! 🛣

Irvin Cobb, II The Texas Realtor

Irvin Cobb, II
(346) 278-8515
[email protected]
https://www.vyllahome.com/irvin-cobb
Let's talk! 🗓️ Schedule with me below👇

01/18/2023

Did you know you can shop around for mortgages? 🤔

Different lenders may offer better rates or terms. Always shop around before making the final decision. 🛒

Looking for a lender or ready to start shopping? Reach out and let's chat! 📲
Irvin Cobb, II The Texas Realtor

Irvin Cobb, II
(346) 278-8515
[email protected]
https://www.vyllahome.com/irvin-cobb
Let's talk! 🗓️ Schedule with me below👇

01/12/2023

Just a little Motivation for all the future homeowners out there! 🏠
Don't stop working towards your goals, you've got this! 💪
Irvin Cobb, II The Texas Realtor

Irvin Cobb, II
(346) 278-8515
[email protected]
https://www.vyllahome.com/irvin-cobb

Let's talk! 🗓️ Schedule with me below👇

01/09/2023

Let's chat! 💬

Describe your dream home in 3 words or less. 🏠

Share in the comments! 👇
Irvin Cobb, II The Texas Realtor

Irvin Cobb, II
(346) 278-8515
[email protected]
https://www.vyllahome.com/irvin-cobb

Let's talk! 🗓️ Schedule with me below👇

10/20/2022

What is the difference between a fixed-rate and an adjustable-rate mortgage? 📝

There are many different types of mortgages offered by lenders. Each mortgage has its own set of qualifications and limitations.

A fixed-rate mortgage offers the borrower stability with a consistent monthly payment. An adjustable-rate mortgage will have a lower initial rate but monthly payments may fluctuate if the interest rate changes.

So, which mortgage is right for you? 🤔 While fixed-rate mortgages are a more popular choice, an adjustable-rate mortgage might make more sense when interest rates are high!

Reach out and get in touch if you need help exploring the options! 📲
Irvin Cobb, II The Texas Realtor

Irvin Cobb, II
(346) 278-8515
[email protected]
https://www.vyllahome.com/irvin-cobb

Let's talk! 🗓️ Schedule with me below👇

10/17/2022

Exactly!!!🤣🤣🤣🤣😂😂😂😂

10/13/2022

😅😅😂😂😂🤣🤣🤣🤣

10/10/2022

Purchasing your first home is a big goal but you don't need 20% down to make it happen! 🏡

According to a 2022 LendingTree survey, 81% of first-time home buyers are stressed about the down payment. 💰

If you are ready to make the move and buy your first home, get in touch and let's chat about some of the options available for first-time buyers! 📞📧

Irvin Cobb, II The Texas Realtor

Irvin Cobb, II
(346) 278-8515
[email protected]
https://www.vyllahome.com/irvin-cobb

09/12/2022

👀 What do mortgage lenders look for? 👀

1. Creditworthiness: including history and score 💯
2. Financials: including income and assets 💰
3. Ability to repay (debt-to-income ratio) 📊
4. Loan-to-value ratio 🏠

Getting pre-approved and pre-qualified for a mortgage should be your first step in the home-buying process. Home sellers want to know that a buyer is serious and well-qualified before reviewing an offer! A pre-qualification letter and proof of funds are usually required when submitting a purchase offer.

Before a lender will pre-qualify a borrower for a mortgage, they look at several factors, including the borrower's employment history, income and creditworthiness. Lenders are looking for a strong employment history, proof of income and a good credit score. Before applying for a mortgage, make sure to have the appropriate documents ready! 📁

With financial documents in hand, the mortgage lender will determine the borrower's debt-to-income (DTI) ratio. DTI ratio is the amount of monthly debt payments to monthly income. A DTI ratio will determine what kind of monthly payment the borrower can afford and how much they can borrow.

But mortgage lenders don’t stop there! Once a home is found and a purchase offer is accepted, the lender will order an appraisal of the property. This helps determine the loan-to-value ratio. A mortgage lender needs to verify that the property is worth the amount they are willing to lend. If an appraisal determines that the property is not worth the loan amount, the purchase contract may need to be renegotiated.

Ready to get started with purchasing your own home? Call me at 346-278-8515 or message to learn how to take the next step! 📲

08/02/2022

Even if you have student loans, don't assume that you can't buy a home. The deciding factor is whether or not you have enough income to cover your student loans, mortgage payments and other debts. Basically, it comes down to your DTI, I can help you sort it – just send me a message!

Irvin Cobb, II The Texas Realtor

Irvin Cobb, II
(346) 278-8515
[email protected]
https://www.vyllahome.com/irvin-cobb

Address

1700 Post Oak Boulevard, Suite 600
Houston, TX
77056

Telephone

+13462788515

Website

https://www.vyllahome.com/irvin-cobb

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