Welcome...

to the home page of Tyler Krug.  If you are searching for Texas home loans, then you've come to the right place.  Legacy Mutual Mortgage is the largest privately owned Mortgage Banker in San Antonio and we pride ourselves on customer service, cutting edge mortgage products, and quick turnaround times.  In fact, I guarantee that Legacy Mutual Mortgage will get your loan closed in 21 days upon receipt of your complete loan application!  This website contains a wealth of information so please take your time and look around!

Please allow me to introduce myself...

I'm Tyler Krug with Legacy Mutual Mortgage and my specialty is real estate finance.

Although many of my clients are first time homebuyers, I work with all demographics across Texas to achieve their real estate goals and assist them in accomplishing the "American Dream"!  It's important when searching for a home that you have a solid understanding of your buying power.  This is where my expertise comes into play.  By providing an in depth financial analysis for each of my clients I'm able to determine which loan fits their individual needs.  I'm also able to help my Realtors close more transactions by providing outstanding customer service, effective communication, and timely pre-approvals.

Unlike many mortgage companies, everything in the loan process takes place under one roof!  From the initial application to the funding of your loan, we have complete control of the reigns.  Having control gives Legacy Mutual the ability to put a personal touch on mortgage banking which is scarce in our industry.

If you're looking for a Texas Mortgage Professional you can trust, who provides excellent service and delivers on his promises, then you've come to the right place!




Today's Rates:

Mtg Loan    Rate  APR
30-yr Fixed4.56%4.71%
15-yr Fixed4.03%4.24%
1-yr Adj3.7%4.59%
* national averages



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Mortgage Daily News:
 
The Day Ahead: Q2 GDP, Consumer Sentiment, Stocks Testing Support
7/30/2010 7:29 AM

Posted To: MBS Commentary

A busy day awaits the markets as investors get their first look at second-quarter GDP. Also in the store is the influential Chicago Business Barometer which gives an update on how the economy is recovering in the midwest, plus a consumer sentiment index for the nation at large. Whi...Read More
 
Treasury Auctions Done. Bonds Cautiously Resilient as Stocks Repeat History
7/29/2010 12:09 PM

Posted To: MBS Commentary

Treasury just sold $29 billion 7s to a group of uninterested buyers... Auction demand as measured by the bid to cover ratio was below average. 2.78 bids were submitted for every 1 accepted by Treasury. Compare that to the ten auction average of 2.81 and the five auction average of ...Read More
 
Fannie Mae Preps Investors for Reform. Book of Business Reflects Tight Credit Conditions
7/29/2010 11:31 AM

Posted To: MND NewsWire

In the wake of the passage of Wall Street Reform, which many opponents have criticized Capitol Hill for failing to deal with the future of Fannie Mae and Freddie Mac, the Obama Administration is beginning to present the broad outlines of how the future of the GSEs will be determined. In a letter re...Read More
 
Are HECM Regulators Acting Unethically Toward the Reverse Mortgage Program?
7/29/2010 11:06 AM

Posted To: Community Commentary

I recently spoke on two interesting panels at the American Conference Institute’s two day symposium on Reverse Mortgages. The conference was held at the famed Helmsley Park Lane Hotel in the heart of Manhattan. The conference attracted a virtual who’s w...Read More
 
Final Ruling Issued on SAFE Act; Underwriting Guideline Overlays, Adverse Market Fees and Steep LLPAs; CMBS Sales; California State of Emergency;
7/29/2010 8:51 AM

Posted To: Pipeline Press

On a non-mortgage note, my son asked me, "At what age is it ok to tell a highway that it is adopted? At some point the highway will realize that it doesn't look like the Kiwanis's Club." I would have told him to "keep his day job", except ...Read More
 
Vacancy Rate Near Historic High. America Has a "Home Problem"
7/29/2010 8:33 AM

Posted To: MND NewsWire

As we have pointed out over the last few weeks , America has a homelessness problem; over a million individuals and families are temporarily or chronically homeless. While the statistics don't fully address this aspect, there is at least anecdotal indication that some of these people are in she...Read More
 
The Day Ahead: Moody's Questions U.S. Credit Rating. Bonds Shrug Off News
7/29/2010 7:30 AM

Posted To: MBS Commentary

Equity futures are trading higher this morning despite word from Moody’s that it would have to question America’s triple-A credit rating unless it provides a credible plan to tackle its growing deficit. Steve Hess , a top sovereign debt analyst at Moody’s, said th...Read More
 
Can Mortgage Rates Go Any Lower?
7/28/2010 3:16 PM

Posted To: Mortgage Rate Watch

Well, here we are on "hump day" and mortgage rates are still detached from the price fluctuations of the secondary mortgage market. Instead, the ups and downs of consumer borrowing costs continue to be driven primarily by the capacity constraints of major lenders, the mar...Read More
 
Is There Life After the Mortgage Business?
7/28/2010 2:33 PM

Posted To: The Garrett Watts Report

We all know the mortgage business can be extremely profitable at times. We also know it can be disastrous at other times. Regulators and law makers have created an environment that makes us feel like a pin ball, bouncing aimlessly from one bumper to another Regardless of all th...Read More
 
FHA Ready to Reduce Seller Concessions. HUD Invites Industry Comment Before Implementation
7/28/2010 2:18 PM

Posted To: MND NewsWire

HUD is preparing to implement a few new policies that will no doubt affect your pipeline/loan application process. Last week, HUD and the FHA invited public comment on three of those policy changes, which are part of FHA's strategy to "strengthen their capital reserves". The proposed ...Read More





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