Conventional Mortgages

Traditional home loans for well-qualified buyers, with fixed terms and rates for 15- or 30-years. Purchasers of conventional mortgages who put down 20% or more are not required to pay private mortgage insurance (PMI).

FHA Mortgage

Backed by the Federal Housing Authority, these loans require only 3.5% down and are intended to make home ownership a reality for people with more modest income. Available with credit scores as low as 500, FHA loans do require mortgage insurance.

VA Mortgages

VA loans are available to active duty service members and veterans. They offer competitive rates, no down payment requirement, and no required mortgage insurance. VA loans require a funding fee.

USDA Mortgages

Backed by the US Department of Agriculture, USDA mortgages help low-middle income buyers purchase property in primarily rural areas. These loans offer zero down payment and have specific income limits and maximum property values.

Jumbo Loans

Jumbo mortgages are currently for home purchases or refinances greater than $647,200 (This value is adjusted annually.). Jumbo loans typically require at least 10% down and a minimum credit score of around 700.

Refinance

Whether you are looking to get a lower rate, a shorter term, or need to tap into your home's equity to pay for home improvement projects, your student's college, or your child's wedding, I can make the process simple and fast.

Non-QM Loans

Non-qualifying mortgages are a means for buyers with recent credit issues, self-employed buyers, foreign nationals, investment buyers, and others to obtain a home loan without standard income, DTI, credit, etc. We have lender partners who can assist with a range of options to help the non-QM buyer.

TSAHC Down Payment Assistance

Down payment assistance and mortgage tax credits from the Texas State Affordable Housing Commission can provide a fantastic boost to buyers who meet certain credit scores and income limits. Programs exist to provide as much as 5% towards a down payment and closing costs.