How to Shop for a Home Without Losing Your Mind (or Wallet)
As your lender, let me be straight with you: it’s way too…
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Preapproval: AKA Your Golden Ticket
Let’s talk about getting preapproved — not to be confused with “prequalified,”…
What the Heck Is “Cash to Close”?
I get this one all the time: “Wait, I thought my down…
The ‘Oops, There’s More’ Homebuying Costs
You thought the down payment was it? Nope. Here’s the full damage…
Find the Right Neighborhood—It’s More Than Just Curb Appeal
You can repaint a house. You can’t repaint the neighbors. Choose wisely.…
Understanding an Appraisal Contingency
Appraisal contingency can be added to the real estate contract in Texas. …
Should I Buy or Rent?
Here’s the truth: it depends on your life stage, finances, and plans.…
How Much Income Do I Need to Buy a Home?
It’s less about the number and more about the ratio. Lenders look…
Cosigning a Mortgage: Think Before You Sign
Cosigning is a big deal — you’re not just ‘helping out,’ you’re…
Loan Types 101
Let’s decode the mortgage alphabet soup: – Conventional: Great if your credit’s…
Five “Adulting” Savings Hacks for Home Buyers
Buying a house without cash? Only in fantasy movies. Here’s how real…
About Us
The Spiegel Group, led by Robert Spiegel, aims to consistently be in the top 1% of loan origination teams in the nation.
Republic State Mortgage is committed to building relationships that deliver happiness and fulfill the American Dream. This purpose statement is how we approach each and every one of our customers. We care about the people we serve.
Company NMLS: 62411
Equal Housing Opportunity
Contact Us
- Main Office: 815 Hawthorne St. Houston, TX 77006
- (713) 961-5363
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This is not an offer for an extension of credit or a commitment to lend. All applications are subject to credit and property approval.
CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A MORTGAGE BANKER OR A LICENSED MORTGAGE BANKER RESIDENTIAL MORTGAGE LOAN ORIGINATOR SHOULD COMPLETE AND SEND A COMPLAINT FORM TO THE TEXAS DEPARTMENT OF SAVINGS AND MORTGAGE LENDING, 2601 N. 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.
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