Latest Mortgage News

August 11, 2016

FHA Loan- America’s Most Popular Loan Program

FHA Mortgage FHA Loan has many benefits for First time home buyer. The Federal Housing Administration (FHA)  is a government entity that guarantees Mortgages issued through […]
August 9, 2016
Conventional Refinance

Rent Payment Verification

Rent Verification – VOR ? Rent payment verification and a credit history becomes an integral piece of the mortgage application process soon after you apply. Near the beginning […]
August 9, 2016
State / County Fair Culture

State / County Fair Culture

Fair Life The late Summer going into the Fall Season in American arrives State and County Fair Season.  It is not often I attended many fairs […]
August 1, 2016
Historical Low.. er Mortgage interest rate

Mortgage Interest Rate – Currently Historical LOW !

Mortgage Interest Rate Having a low mortgage interest rate is not the only determining factor in a home purchase, although the importance should not be overlooked […]
July 30, 2016
National Park

Bucket List -National Park Adventures

Yellowstone National Park When I was really young one of my earliest memories was a family trip to Yellowstone National Park.  My memories are vague, but […]
July 29, 2016
Tax Lien

FHA – Collection Account – Tax Lien-judgement

Housing Act of 1937 – First Cabinet Position HUD – 1965 First HUD Secretary 1966 was Robert Weaver Can a borrower obtain a mortgage loan with […]

Real Estate Market Place Corner

Contact Ronda Stepp for more information at 321-402-4944
Florida & Texas Licensed Realtor

Why us?

HomesNetwork was born out of the necessity that everyone deserves to purchase and own a home.

Welcome to the Larry Stepp Team
We are a resource and informational Center for Consumers and Professionals in regards to Real Estate and Mortgage Services. We encourage professionals within the Real Estate and Mortgage community to lend opinion, knowledge and experience about the latest Mortgage or Real Estate news. Our readers and viewers of this resource informational Center range from consumers, potential home buyers, homeowners, renters, Real Estate agents, Attorneys, Investors and individual consumers who are interested in developing their knowledge of Real Estate and Mortgage guidelines. The Larry Stepp Team at is available 7 days a week, holidays and weekends.

We take a vested interest in each one of our clients and won't stop until we get you the approval you deserve. When you come to HomesNetwork you are a member of the family and you will be treated with the respect and hands-on approach you deserve..

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Questions & answers

What credit score do I need to apply for a loan?

With some fantastic programs we have, you can get approved with as low as a 580 FICO score or you can get an FHA loan with a 500-579 FICO score with 10% down payment. Rest assured we don't have any lender overlays so once you are approved, you are ready to go as our approval is as good as gold!

FHA Loans vs. Conventional Loans: What is best for me?
p>You may be wondering which loan product is best for you, an FHA loan or a conventional loan. Both loans offer advantages to the borrower but you need to be informed on what these are and what product will fit your situation.

Where can I check my credit score?

You can request a free copy of your credit report once per year from each of three major credit reporting agencies: TransUnion, Experian, and Equifax. Please visit to obtain these reports so you are always informed. You’re also entitled to see your credit report within 60 days of being denied credit. Let's do it and get back to us!