Alba

Home Loans

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Alba Home Loans.

Whether you are a first time home buyer in alba or trading up to a larger home, we work to find the best home loan solution for you. Constantly surveying the hundreds of mortgage lenders as well as anonymously testing their staff, we are always aware of the conditions of the home loan market as well as the lenders involved in it.

Best Lender For Alba Home Loans

Unfortunately, the subprime mortgage crisis has caused dramatic changes in the lending climate. Many lending institutions have suffered tremendous losses and as a result have tightened their lending standards drastically. Whereas it used to be very, very easy to meet the requirements in order to get approved, it is now much more difficult with most lenders. When searching for a mortgage lender in Alba, it is important to find one that not only offers the lowest rates, but also has not tightened lending standards to the point that only a tiny percentage of applicants will qualify. At the top of our list right now is ING DIRECT Orange Mortgage. They have the lowest rates, a free and easy online application, and they have not been severely hurt by the subprime mortgage crisis.  They are still approving the majority of applications.

Alba Texas Overview & Statistics

Alba Overview

As of 2007, Alba's population is 490 people. Since 2000, it has had a population growth of 13.95 percent.

The median home cost in Alba is $219,000. Home appreciation the last year has been -3.98 percent.

Compared to the rest of the country, Alba's cost of living is 17.09% Lower than the U.S. average.

Alba public schools spend $5,713 per student. The average school expenditure in the U.S. is $6,058. There are about 12 students per teacher in Alba.

The unemployment rate in Alba is 4.00 percent(U.S. avg. is 4.60%). Recent job growth is Positive. Alba jobs have Increased by 2.03 percent.

Alba Climate

Alba, TX, gets 45 inches of rain per year. The US average is 37. Snowfall is 0 inches. The average US city gets 25 inches of snow per year. The number of days with any measurable precipitation is 90.

On average, there are 221 sunny days per year in Alba, TX. The July high is around 94 degrees. The January low is 34. Our comfort index, which is based on humidity during the hot months, is a 25 out of 100, where higher is more comfortable. The US average on the comfort index is 44.

Alba Housing

The median home value in Alba, TX, is $219,000. Home appreciation is -3.98% over the last year. The median age of Alba, TX, real estate is 35 years.

Alba, TX Apartments and Rentals

Renters make up 24.91% of the Alba, TX, population. 15.22% of houses and apartments in Alba, TX, are unoccupied (vacancy rate).

Alba Crime

Alba, TX, violent crime, on a scale from 1 (low crime) to 10, is 5. Violent crime is composed of four offenses: murder and nonnegligent manslaughter, forcible rape, robbery, and aggravated assault. The US average is 3.

Alba, TX, property crime, on a scale from 1 (low) to 10, is 3. Property crime includes the offenses of burglary, larceny-theft, motor vehicle theft, and arson. The object of the theft-type offenses is the taking of money or property, but there is no force or threat of force against the victims. The US average is 3.