This week you'll meet super-star lender Lydia De La Cruz, A.K.A. THE MONEY QUEEN! Lydia is going to keep you on the edge of your seat as she shares her secrets of success in getting deals done with 5-Star customer service and 100% on-time closings.

With a background in default servicing and executive administration, Lydia was the "Face of Chase" during the 2007-2009 financial meltdown. The Cliff Freeman Group partnered with Lydia to serve their clients and here are some of the reasons why:


1. $1,000 Close On Time Guarantee


2. Free Float Down Guarantee


3. 3,6, 9 & 12-Month Rate Lock Guarantee
a. It can be locked on a to be determined address without
contract as part of our lock and shop program.


4. Zero Out of Pocket Refinance Guarantee
a. All our clients are eligible for a refinance if/when rates
improve


5. Clients will receive 1% of the loan amount towards rate or closing costs.
a. There is a $5,000 cap.


6. All of our Texas Top Producer Realtors who close with me on a First Texas Home will receive $1,000 Nebraska Furniture Gift Card. The client will receive a $3,000 Nebraska Furniture Gift Card.
a. https://www.texastopproducers.com/


7. FICO requirements for Conventional 620, Government 640


8. TDHCA is the grant program available to be used with FHA loans
a. https://new-www.ehousingplus.com/…/texas-department-of-hou…/ [new-www.ehousingplus.com]
b. Up to 3% towards Down Payment
c. Purchase Limits: https://www.ehousingplus.com/…/texas-department-of-housing…/ [ehousingplus.com]


d. Income Limits: www.ehousingplus.com/…/texas-department-of-housing-communi…/ [ehousingplus.com]