We partner with local and national down‐payment assistance programs—grants or forgivable loans—to help eligible buyers with their upfront costs. Ask us for a list of current options.

It depends on the program: Conventional loans can require as little as 3%, FHA loans 3.5%, and VA/USDA loans may offer 0% down for qualified borrowers.

No. Conventional loans with at least 20% down avoid private mortgage insurance (PMI). Below 20%, PMI is typically required.

• Pre‑qualification is a rough estimate based on information you provide.
  
• Pre‑approval requires document verification (income, credit, assets) and gives you a stronger offer power.

Requirements vary: FHA loans can go as low as 580, while conventional loans generally prefer 620+. Credit challenged? No worries. Our tailored credit‑improvement programs partner with you to boost your score and unlock our best loan options.

On average, 30 days from application to closing—though timing can vary based on loan type, appraisal schedules, and how quickly documents are returned.

Absolutely, yes. We offer Bank‑Statement and other Non‑QM (non-traditional) programs designed for complex income documentation.

Student loans factor into your Debt‑to‑Income (DTI) ratio, but we have strategies—like income‑based payment calculations—to help manage their impact.

A Debt‑Service Coverage Ratio (DSCR) loan is designed for real estate investors. Instead of using your personal income to qualify, we use the property’s rental income to determine eligibility.

For homeowners 62+, a reverse mortgage converts home equity into tax‑free funds—no home sell required and no monthly mortgage payments.

Texas allows homeowners to refinance their mortgage and pull ash from their home's equity, but with unique state- specific rules to protect borrowers. We are experts in navigating these guidelines.

• Fixed‑Rate Mortgage: Your interest rate and payment stay the same for the life of the loan.
  
• Adjustable‑Rate Mortgage (ARM): Starts with a lower fixed rate for an initial term (e.g., 5, 7, or 10 years), then adjusts periodically based on market indexes. Ideal if you plan to move or refinance before the rate changes.

An Interest‑Only loan lets you pay just the interest (not principal) for an initial period—often 5–10 years—resulting in lower monthly payments up front. After that, you begin paying principal plus interest, so it’s best if you plan to sell, refinance, or expect a jump in income before payments increase.

Typically:

• Last 2 years of W‑2s & tax returns (business returns for self‑employed)
  
• Recent pay stubs
  
• Bank statements
  
• Valid ID
  
• Proof of assets/savings

We'll provide a full checklist one you start your application! APPLY HERE

Ideally, before you start seriously shopping for a home. A pre-approval gives you a clear budget and strengthens your offer when you find the right property.

A mortgage credit pull is considered a “soft” inquiry, similar to checking your own credit. If you shop multiple lenders within a short window (usually 14–45 days), all pulls typically count as a single inquiry.

Yes! Renovation loan options let you finance home improvements into your mortgage.

Closing costs include lender fees, title/escrow charges, appraisal fees, and insurance—typically 2–5% of the loan amount. We provide a Closing Cost Estimate upfront.

Principal, Interest, Taxes, & Insurance—the four components that make up your total monthly mortgage payment.

Loan‑to‑Value ratio: the percentage of the home’s value you’re borrowing. (e.g., $180K loan on a $200K home = 90% LTV)

Debt‑to‑Income ratio: your total monthly debt payments divided by gross monthly income. A key factor in mortgage approval.

Anyone looking to buy, refinance, invest, or consolidate debt. From first‑time homebuyers and seasoned investors to retiring homeowners and busy self‑employed professionals, we have a program to fit your goals.

Our CE courses are taught by seasoned mortgage pros, packed with real‑world case studies, networking opportunities, and free co‑branded marketing materials—giving agents immediate value and a competitive edge.