Simply put, our FAQ’s are full of resourceful information about our loan process, Private & Hard Money loans and other helpful tidbits to better equip you as a Real Estate Investor.
Our Company & Loan Process
As fast as 1 Day after all 3rd Party Items are received typically we close in 3 – 7 days.
Great question! Please see our Lending Loan Process and be sure to ask any all questions you might have.
Absolutely! Trusts are welcomed as well!
With nearly 20 years of industry experience and over $250,000,000 in funded loan volume the founders chose to open Blink's doors in March of 2018. So far, it's been the best professional choice they've ever made!
Required? No, not all of the time.
When necessary we prefer to order our own and depending on a few factors we are able to accept yours if you already have one.
After receiving your 1) fully Executed Contract, 2) copy of your completed Renovation Budget (please see Forms tab) & 3) the CMA (comparable market analysis) you used to determine the value, we then verify your numbers via an experienced local 3rd party professional (this ensures that your Value is not influenced) with 2 main requests, 1) a current AS-IS Value and 2) an After Repair Value based on the Renovation Budget you provided and similar comparables (aka Comps) to your property and Scope of Work. The ARV of our evaluation is what determines your final loan amount.
That depends on several factors, please take a look at your Calculators located under "Tools".
Of course! What kind of company would we be if the answer was no? Our current Blink Rewards Program works like this, the more you borrow, the less you pay in interest as your rate decreases -.25% -.50% for every loan you complete with us.
There are a many reasons why other investors have chosen us over others, you will find a few below.
- They LOVE that we help them
- GROW their business AND
- avoid making mistakes (please see our Award Winning FAQ’s & Investor Tool Box sections of our website along with your 411 Investor Resource Center)
- No Payments for up to 6 months!
- Borrow up to 75% LTV
- Non-Recourse Loans
- Our Blink Rewards Program. Rather than tell you we are thankful (to you) for choosing us again, we thought we would show you by lowering your interest rate by -.25% -.50% for every loan you have completed. In short, do more deals, pay less interest and grow your profits!
We get it, sometimes things don’t work out as planned and if you need to extend your loan, no problem (especially if you are making your payments on time)!
30 days and then we simply send you another one.
We'd love to! Please see the Our Lending Process section for a detailed breakdown.
Give us a heads up in advance and we can make it happen, otherwise we prefer receiving original closing documents from Title prior to funding.
For Private Money, 1 day. Long term Conventional lending rules are 180 days however, we have other creative options we'd love to share with you.
Private & Hard Money Loan General Questions
Like most products, they are in demand (see our spin on the History of Private & Hard Money Lending and how they were created) and with the faster-than-ever growing industry of Real Estate Investing, their demand has never been higher.
You may or may not know this but when a property needs to be renovated and/or you intend to sell it within 12 months of purchasing it, big corporate won’t lend on them as they carry too much risk for the banks loan committees.
So what are your options when the 4% - 5% interest rate banks say no? Well you have several & please reference When do I want a Private & Hard Money Loan.
1) you can buy cash (even if you have it, how many houses can you buy with your cash? 1? 2? 3? Probably not as many as you could by leveraging your money with financing),
2) you can borrow the money from a rich aunt or uncle (you may have one or two, most Clients we know don’t including us and on 2nd thought, do you really want to borrow money from family?)
3) you can find a partner and split the profits (think about this, pay low double digit interest for a few months and keep all the profits or bring on a partner and split the profits) and
4) get a HML and let us take most of the risk as we will be lending the majority of the money and you take most of the upside as you will be keeping all of the profits!
We will also fully analyze the deal for you by
1) verifying the value, if it’s not worth what the sellers says it is worth, you don’t have to buy it.
2) We will make sure there are no liens and/or judgments on Title, this could range from unpaid back property taxes to not paying the roofer for repairs made years ago. The last thing you want is to pay an expense after closing that does not belong to you.
3) Make sure you are properly insured so your investment is protected.
4) Review and verify your Renovation Budget to prevent any unethical Contractors from taking advantage of you.
5) Review and verify your Survey to ensure the property you are buying is properly defined and there are no unexpected surprises later, ie, incorrect fence line, city encroachments, unidentified power lines and many more.
1) When you need to close fast!
The traditional loan process typically takes 35 – 55 days and sellers and/or wholesalers simply won’t wait that long. Our Lending Process typically takes 3 – 7 days.
2) When the property/collateral does not qualify for a traditional loan. You may or may not know this, in order to receive a traditional loan either through a Bank or Conventional Lender the investment property (aka the Collateral) needs to be a) livable, b) marketable and c) safe by Conventional (aka Government Lending) Lending guidelines. So whether it be a minor fix here and there or a major renovation, if the property you are buying is in need of renovations, traditional lending is not an option. Friendly side note: Banks & traditional lenders do not like lending for short amount of periods (less than 12 months) so if you intend on selling/flipping your property, you want to steer shy from these lenders.
3) When you the Client/Guarantor may not qualify for a traditional loan.
You are may or may not know this, in order to receive a traditional loan either through a Bank or Conventional Lender for an investment property you (the Client/Guarantor) must
1) Income Qualify – typical Debt To Income ratio requirements of <45% - 50% of your taxable income. Said another way, if it does not show up on your IRS Tax Returns, it doesn’t count as income.
2) Credit Qualify – 620 is the minimum credit score for traditional lending although you will find it difficult to obtain a traditional loan with a Credit Score below a 680.
3) and Asset Qualify based on traditional (Bank or Conventional loans) lending guidelines – at the risk of making this lengthy, let us keep it short and let know that when obtaining traditional financing all of your Real Estate Owned is factored and you will need to meet the Asset requirement of all of your REO even if you are only financing 1 property at the time. Feel free to call us for a better explanation or visit Fannie Mae Guidelines aka The 4155.
In short, for 2 reasons:
1) Leverage - Rhetorical question, will you make more money with (either buying & selling or buying & renting) 1 – 3 properties or 7 – 21? Of course we know the answer and that is the power behind leverage, grow your money by leveraging yours to borrow others. The other upside is if a mistake is made and money is lost, you only lose a portion of yours as we (the lender) will carry majority of the risk as we will have more of our money invested in your deal.
Depending on a few factors you could borrow more than 7 X the amount you have in assets.
In short, use our money to grow yours!
2) Protection - As the old saying goes, if you want to find out if you have a good deal or not, call a HML? The reasoning for the saying is that if the deal is not good, a HML won’t lend on it.. Keep in mind that when you close with a HML you are letting us take most of the risk as we will be lending the majority of the money and you gain the majority of the upside as you will be keeping all of the profits! Because of this we fully analyze the deal and protect each other by
1) verifying the value, if it’s not worth what the sellers says it is worth, you don’t have to buy it (friendly investor tip: If the appraised value is lower than expected, use the appraisal to renegotiate the sales price!).
2) We will make sure there are no liens and/or judgments on Title of the property. This could range from unpaid back property taxes to the previous owner not paying the roofer for repairs made years ago. The last thing you want is to pay an or deal with an expense after closing, especially one that does not belong to you.
3) Make sure you are properly insured to better protect your investment from any unfortunate unforeseen events (theft and/or vandalism, fire, flood, a tree falling, etc).
4) Review and verify your Renovation Budget to prevent any renovation omissions and/or unethical Contractors from taking advantage of you.
5) Review and verify your Survey (see Investor Lingo 101 for Survey definition) to ensure the property you are buying is properly defined and there are no unexpected surprises later, i.e., incorrect fence line, city encroachments, unidentified power lines and many more.
The answers to the questions you are not asking them. Don’t get dupped by a slick talking salesman who’s been trained to answer the same questions that every investor has been trained to ask. We hope that landed and if not, please re-read the previous sentence and turn up the heat on them a little bit. When you have a quick moment, please check out How To Shop Your Hard & Private Money Lender located under "Tools" on our home page.
The short answer is protection, protection for us and protection for you, give us a ring and we’ll tell you how, also, be sure to ask us about our No Escrow Rehab & Renovation Budget Program.
As it turns out, Texas State Law prohibits Hard Money Loans on your Primary Residence, sorry.
No, you do however, pay for 12 months of Home Owners Insurance at closing. What happens if you don’t keep your property for 12 months? Simple, you get a refund of your unused insurance premium.
Not at all! It is your property and you are free to do what you like with it.
As long as 1 Day with a Private & Hard Money Loan as there are no pre-payment penalties (be careful as a lot of Private Money Lenders charge Pre-Payment Penalties). Your challenge will be with the buyer and their lenders seasoning requirements which are usually 90 days. Meaning you (the seller) must have owned the property for 90 days prior to selling it. Unless you buyer is paying cash or receiving a Conventional Loan.
In comparison to traditional Bank, Government and Conventional loans, Hard Money Loans are historically 2 – 3 times more expensive, but why? The short answer is they (Private & Hard Money) carry more risk than the fore mentioned loans in that the collateral (the subject property) is typically not only distressed and unlivable but only appeals to a particular buyer should they (a lender) need to liquidate it. Meaning if a lender has to foreclose and sell the collateral it would take longer and/or cost more (than a regular foreclosure where renovations are not necessary and the cost of money is cheaper) whether they were to sell it as-is or complete the Renovations prior to liquidating it. These are the primary reasons as to why traditional Bank, Government and Conventional lenders do not offer renovation loans for investment properties.
Private & Hard Money Loans like most loans are based on 2 main components
- The Guarantor aka Borrower/Client/Investor &
- The Collateral aka the Property.
- Credit Score – Lenders love lending money to those that have a history of doing what they say and a Guarantors Credit Score is the numerical representation of the financial agreements they have entered and kept as promised. The higher the score, the more likely the loan is going to be approved! If your credit score is less than 600 we are likely not the Lender for you.
- Income – How will we be paid back? is the question every Lender asks itself. Income is important in that it determines the ability to repay (the loan) and the financial capacity of the Investor/person guaranteeing the loan and
- (liquid) Assets – although income answers the question of How will we be paid back? A guarantors assets answer the question of What happens if ________? By in-large Investors make great decisions and rarely do things completely derail from the plan but if they do, Lenders want to be sure that their loan will be protected, so in short, the more Liquid Assets an investor has, the more comfortable and the higher the likelihood of approval.
- Address – the age old saying says it all, Location, Location, LOCATION! The better the location, the lower the risk and the lower the risk, the higher probability of approval!
- Purchase Price – the starting point of all loans, how much are you buying the house for? Without a purchase price (even if it’s $0, as silly as it sounds), there is no loan.
- Estimated Renovation Budget – is one of the most important items in the process and is often overlooked and its importance is taken for granted.
- Do the renovations support the future ARV? How much money needs to be put aside in the Renovation Escrow Account?
- How long will the renovations take (the higher the amount of renovations the longer the renovation timeline) and how much money is the Guarantor/Client/Investor brining to closing (if any)?
- Are the Renovation Costs & Contractor Budget in-line with the Scope of Work (is the investor being taken advantage of?)?
- Are all the necessary Renovations listed and/or is there anything that was missed?
Once upon a time in Ancient Greece there were 2 investors (Panos & Nikos) who knew of a neighbor that needed to sell their home fast! Panos & Nikos knew they could get a good deal and with a few renovations here and there they could make it into a great deal! Sure to sell it fast and make lot’s of profit in return, their only problem was they didn’t have enough coin to either buy the house or renovate it. So, rather than give up they started applying for loans from banks only to either get turned down or be told it would take weeks and months to close and that they would have to come up with the renovation money on their own. In short, these options simply did not work for them. After a few hours of brainstorming and going through scrolls of today’s version of Google they thought, hey, why not just borrow the money from a fellow investor? We will pay a premium for fast, easy and reliable money and what better lender than a fellow investor?! And poof! In an instant it all made sense! Instead of crawling and pleading for banks & corporate lenders in hopes of them understanding, they would simply borrow the money from a source they knew understood what they were doing, knew why they were doing it and how they were doing it. Several months later, the Greeks would do it once again and change the history of mankind by inventing the Private & Hard Money Loan.
Qualification Requirements
Like most lenders, the higher the credit score the better as higher credit score = less risk and less risk = better terms. With this said, we do not have a minimum credit score requirement as we take a holistic approach when approving our loans.
Unlike traditional loans, no, you do not. We do however, consider the Ability To Repay when approving your loan.
Absolutely! Trusts are welcomed as well!
We thought you would never ask! Please take a look at your How Much Can I Get Pre-Approved For? Calculator located under "Tools".
Absolutely! Just because you do not have the traditional 9am – 5pm it does not mean you can’t take advantage of our products and offerings. W-2 or no W-2 we have both short term and long term loan options for you.
Another important question! Please take a look at your How Much Can I Get Pre-Approved For? Calculator located under "Tools".
Absolutely! And the items needed are the same items that you will provide, pretty simple right?
A completed Investor Account or Application, a copy of your Government ID and a few forms to sign that we will send to you.
Absolutely! Why wouldn’t we? The way we look it is, you earned that money and you saved that money, it most certainly counts towards your Approval.
Most certainly!
30 - 180 days and then we simply send you another one.
Only to close and fund your loan. Said another way, unless you are buying, the answer is no.
Not at all! We do however reserve the right to ask questions about your income and financials.
We’ve found the best way to find a partner is to simply start sharing what you are doing and what you are up to as the formula is rather simple, the more people who know what you are doing = the more people who can potentially partner with you.
We’ve found the best place(s) to find a partners are your local REIA’s (Real Estate Investment Association) and investor meet-ups as usually everyone attending speaks your language (Real Estate Investing) and are in search of the same thing you are, a great deal! The key is networking and getting the word out on what you do and what you are looking for.
Gold & Silver? Yes. Euros? Yes. Cryptocurrency, sorry, we haven’t quite made it there yet.
HML’s like most loans are based on 2 main components
- The Guarantor aka Borrower/Client/Investor &
- The Collateral aka the Property.
- Credit Score – Lenders love lending money to those that have a history of doing what they say and a Guarantors Credit Score is the numerical representation of the financial agreements they have entered and kept as promised. The higher the score, the more likely the loan is going to be approved! If your credit score is less than 600 we are likely not the Lender for you.
- Income – How will we be paid back? is the question every Lender asks itself. Income is important in that it determines the ability to repay (the loan) and the financial capacity of the Investor/person guaranteeing the loan and
- (liquid) Assets – although income answers the question of How will we be paid back? A guarantors assets answer the question of What happens if ________? By in-large Investors make great decisions and rarely do things completely derail from the plan but if they do, Lenders want to be sure that their loan will be protected, so in short, the more Liquid Assets an investor has, the more comfortable and the higher the likelihood of approval.
- Address – the age old saying says it all, Location, Location, LOCATION! The better the location, the lower the risk and the lower the risk, the higher probability of approval!
- Purchase Price – the starting point of all loans, how much are you buying the house for? Without a purchase price (even if it’s $0, as silly as it sounds), there is no loan.
- Estimated Renovation Budget – is one of the most important items in the process and is often overlooked and its importance is taken for granted.
- Do the renovations support the future ARV? How much money needs to be put aside in the Renovation Escrow Account?
- How long will the renovations take (the higher the amount of renovations the longer the renovation timeline) and how much money is the Guarantor/Client/Investor brining to closing (if any)?
- Are the Renovation Costs & Contractor Budget in-line with the Scope of Work (is the investor being taken advantage of?)?
- Are all the necessary Renovations listed and/or is there anything that was missed?
The phrasing of your question is extremely important and we are glad you asked it that way as only you can improve your Credit Score. Before we go further it is important to note that we are not fans of Credit Repair and it is unreliable (as are the companies who offer it and not effective long term.
So what do you do? In short, focus on your present and future Credit profile and not so much you past. You may or may not know this but the more you have available in credit the higher your score and of course it goes without saying that you must make your payments on time. After all, a Credit Score is numerical representation of your ability to enter financial agreements and keep them as promised, no one wants to lend money to people who do not pay it back.
How can I focus on my credit present and future when my credit past is keeping me from getting approved for new credit cards?
That is a fair question and one we get asked often, the answer? Secure Credit Cards. The Credit Card companies reluctance to issue credit has to do with your current credit rating and rather than ask to borrow money a Secure Credit Card allows you to leverage some on your already existing money for an equal to or higher credit balance. You basically give the Secure Credit Card company $500 and they give a Credit Card with an available balance of $500+. The key now is responsibly manage your new Credit Card so that you are able to get approved for more credit in the future. We have found that keeping your outstanding balance below 50% of your available balance and less than 20% for maximum results. For example, if you have a $500 available credit limit, you do not want your balance to exceed $250 and it best to keep it less than $100. The reason for this is you want to communicate to the Credit Bureaus that you are so financially responsible that you do not need to use their credit as you have your own means/income of making purchases.
So all this said again, the key to good credit is:
- Forget the past and focus on the Present and Future
- The more available Credit you have, the higher your Credit Score (keep balances less than 50% and for the best results less than 20%
- Always make on time payments
Property Type & Location
All over the great state of Texas with a major preference for major metropolitan areas (Houston, Austin, Dallas and San Antonio).
All Residential. Our preference is Single Family Homes and we welcome duplexes, triplexes and fourplexes, we are just not that good at Commercial Lending (yet).
Interest Rates, Loan Terms, Loan Types & Fees
As fast as 1 Day after all 3rd Party Items are received, typically we close in 3 – 7 days.
Our Rates & Points range from 8.99% Interest & 1.99 Points to 11.99% Interest & 2.99 Points.
Standard Private & Hard Money loan terms are 6 months (without Pre-Payment Penalty) and can be as long as 60+ months, simply tell us what you would like and let’s make it happen.
No, (sorry) we prefer to be in 1st lien position.
We thought you would never ask! Please take a look at your How Much Can I Get Pre-Approved For? calculator located under "Tools".
Another important question! Please take a look at your How Much Can I Get Pre-Approved For? calculator located under "Tools".
No, we also offer loans for properties you intend to live in as well as 2nd homes and vacation homes.
Part of us can’t believe this is even a question as we cannot comprehend why someone would charge (let alone pay) interest on un-borrowed money? With us, similar to Credit Cards, you only pay interest on your outstanding loan balance, not your full available limit.
We get it, sometimes things don’t work out as planned and if you need to extend your loan, no problem, especially if you are making your payments on time!
Questions, answers and Pre-Approvals are always free and a phone call away.
If you have an executed contract and are ready to close, the only out of pocket expense is the cost of your 3rd party appraisal, typically around $150.
No, you do however, pay for 12 months of Home Owners Insurance at closing. What happens if you don’t keep your property for 12 months? Simple, you get a refund of your unused insurance premium.
Please see our Fees under the Research section of our Website, in short, our total "other" fees minus origination are right at $1,500 which includes appraisal & attorney doc fees.
Absolutely! Both short & long term loans.
We don't have a limit but we don’t like to lend less than $100,000.
Officially, we don’t have one. We do however prefer loan amounts that require 6 digits as opposed to 7 or more, decimals not included of course.
75.00% of the appraised value for investment properties, 97.00% for owner occupied properties.
We specialize in Real Estate Investment Lending and offer a wide array of financing ranging from:
- Short Term Private and Hard Money where we lend on both the After Repair Value or the Purchase Price/Acquisition Cost as the choice is yours.
- Long Term Traditional Lending with Conventional fixed interest rate terms ranging from 8 – 30 years (refinance or purchase)
- Cash Out loans on both the home you live in or other 2nd homes and/or investment properties
- Bank Statement and/or Lease Agreement qualification Loans
- Non-Recourse Loans
- Gap Funding
- Land/lot Loans
Renovation Budget Requests & Servicing/Post Closing
Super easy! Fill out your Renovation & Rehab Funds Request Form and email it us or give us a call, whatever is easier for you.
Part of us can’t believe this is even a question as we cannot comprehend why someone would charge (let alone pay) interest on unborrowed money? With us, similar to Credit Cards, you only pay interest on your outstanding loan balance, not your full available limit.
Not really but if you want to use the ARV to determine your loan amount then yes. You have the option of borrowing against the AS-IS Value allowing you to be in control of your Renovation Budget.
Not at all! It is your property and you are free to do what you like with it.
No, not at all. We do however want your projected draw schedule as it helps get both you and us on the same page allowing for a smoother process from the time you buy the property to the time you sell it. But please know we do not hold you to it as we know things happen. It just helps with the organization of the process.
Typically within 24 - 48 hours of the inspector leaving your property and it typically takes our inspector 24 – 48 hours to get to the property from the time you place your Draw Request.
The 1st of the 2nd month, for example, if you close on March 14th, your 1st payment is due May 1st. If you close on July 24th your 1st payment is due September 1st.
Absolutely! We just need the original closing docs sent to our office for funding approval.
As long as 1 Day with a Private or Hard Money Loan as there are no pre-payment penalties. Your challenge will be with the buyer and their lenders seasoning requirements which are usually 90 days. Meaning you (the seller) must have owned the property for 90 days prior to selling it. Unless you buyer is paying cash or receiving a Conventional Loan.
3rd Party Items, Property Evaluation, Title, Survey and Insurance.
We prefer to order our own appraisal and depending on a few factors we are able to accept yours if you already have one.
After receiving your 1) fully Executed Contract, 2) copy of your completed Renovation Budget & 3) payment for the property evaluation, we order your evaluation through an experienced local 3rd party appraiser (this ensures that your Value is not influenced) with 2 main requests, 1) a current AS-IS Value and 2) an After Repair Value based on the Renovation Budget you provided and similar comparables (aka Comps) to your property and Scope of Work. The ARV of the evaluation is what determines your final loan amount.
That depends on several factors, please take a look at your Hard Money calculator located under "Tools".
At minimum Hazard and Builders Risk insurance and if the property has ever flooded or there is a good chance it could flood, then plan on getting Flood Insurance as well.
12 months from closing is what we like to see with a minimum policy of that equal to your Loan Term. What if you sell your property in 4 months, why do you need 12 months coverage? Good question and the simple answer is you don’t as all Insurance companies (we know) refund you the 8 months of unused policy premium.
Title Insurance is a 3rd Party service paid for at closing that protects the Buyer and Lender from any previous liens and/or judgments on Title of the property that would have to be paid for at a later date. These liens could range from unpaid back property taxes by the previous owner to them not paying the roofer for repairs made years ago to past due Home Owners Association bills. The last thing you want is to pay and/or deal with an expense after closing, especially one that does not belong to you.
A survey is the plot/geographical area of a property that outlines and defines its proper borders and boundaries. It is extremely important to obtain an accurate Survey as you want to ensure the property you are buying is properly defined and there are no unexpected surprises later, i.e., incorrect fence line, city encroachments, unidentified power lines and many more. Could you imagine buying a property only to find out after closing that a portion of the backyard belongs to a neighbor?
An appraisal is a 3rd party unbiased assessment of a property’s value that lenders utilize for determining the loan amount. As an investor you want to verify the value of a property before you buy it as if it’s not worth what the seller says it’s worth, you don’t have to buy it (friendly investor tip: If the appraised value is lower than expected, use the appraisal to renegotiate the sales price) for what the seller is selling it for. The big advantage is having the appraisal done by a local 3rd party unbiased appraiser as the last thing you want is a seller or lender influencing the accuracy of the value of your potential investment.
In short, like most insurance, it’s needed just in case. Just in case there is a fire… Just in case there is a break in… Just in case there is vandalism… Just in case there is a flood… Just in case… well you get it. Good news is the expense is tax deductible and we have yet to meet anyone who was upset about having insurance when the time came for them to make a claim. As our Mother’s have said over and over, better safe than sorry.
Warranty Deed.
The Parties:
Grantor is the Seller in a Deed of Trust, Grantor is the borrower
Grantee is the Buyer
The Deed is one of the more important documents to a real estate investor and yet often enough, it is left to be prepared by a title company attorney who represents neither the buyer or the seller.
For example:
If you are the Seller, you’d want an “as is” clause. When the document is signed by both parties it becomes a contract as well as a conveyance.
If you are the Buyer and you wish to limit liability for an existing loan, for taxes due, environmental issues or a potential lawsuit, then the basic title company attorney form would not be adequate. A real estate investor who performs due diligence and discovers potential issues, should and is entitled to, a customized deed.
The Deed transfers title from a Seller to a Buyer. The “Warranty” part of the Deed is:
a. That the seller owns the title
b. That the seller is legally allowed to sell the property
c. That the property has not already been sold
d. That the property is free of liens or other claims (except those specifically mentioned in the contents of the Deed)
e. That the seller is responsible for any problems/faults with the property’s chain of title
A General Warranty Deed is the seller’s warranty of the property’s entire chain of title history. (A general warranty deed is the preferred form of deed for a buyer because it expressly warrants the entire chain of title all the way back to the sovereign, and it binds the grantor to defend against title defects, even if those defects were created prior to the grantor's period of ownership)
A Special Warranty Deed is the seller’s warranty of the property’s title history for the period of time in which the seller owned it. (In a special warranty deed, title is warranted only from the grantor and no further back than that. The grantor's liability for title defects is therefore limited to his period of ownership up to and including conveyance to the grantee.)
The Deed’s title does not need to state Special or General. The language contained within determines its estate transfer.
Contact Us
603 W 11th St. Houston, TX 77008
Our Office Hours are 7am – 5pm and Our Hours are Start to Finish as when duty calls, duty calls.
Our office is not but if you need to get a hold of us, simply give us a ring and don’t be surprised when we answer.