Services Provided

Personalized mortgage solutions tailored for Texas homebuyers

Specialized & Niche Offerings

• Renovation Loans — Including FHA 203K, Fannie Mae Homestyle, and Freddie Mac Choice Renovation Loans—perfect for fixer-uppers .

• Spec Construction & One-Time Close Construction Loans — Ideal for builders or those constructing new homes, with VA, FHA, and conventional down payment options (0%, 3.5%, 5%) .

• Fix & Flip Loans — Short-term financing for investors aiming to buy, renovate, and resell quickly .

• All-In-One Loans — A dynamic combo loan helping borrowers pay down mortgages faster by integrating income sweeps, saving interest, and building equity faster .

• Buy Now Sell Later — Leverage equity in your current home to secure a new purchase without a pending-sale contingency .

• Bank Statement Loans — Tailored for self-employed borrowers whose tax returns don’t reflect their full income .

• Investment Property Programs — Options include Fannie Mae/Freddie Mac investor loans, DSCR (Debt Service Coverage Ratio) loans, and business-purpose loans for Airbnb rentals .

• Reverse Mortgages — For homeowners age 62+, allowing access to equity either as a lump sum or ongoing payments, with no monthly principal interest required.

• Low-Down Payment Solutions — Highlighting FHA (3.5% down), USDA (0% down), and VA (0% down) options, emphasizing reduced upfront cost and strategic flexibility.

Core Mortgage Programs

• Conventional Loans — Standard conforming options offering flexible terms for buyers with solid credit.

• FHA Loans — Backed by the Federal Housing Administration, these allow for lower down payments—typically around 3.5%.

• VA Loans — For veterans and active-duty military, often with zero-down financing and favorable terms .

• USDA Loans — Designed for rural and suburban properties, offering 100% financing options subject to income and location eligibility .

• Jumbo Loans — Finance high-value properties above conforming loan limits.