Solutions for Every Situation
Conventional
Ideal for borrowers with good credit and stable income. Offers competitive rates and flexible terms for both purchase and refinance.
Best for Strong Credit
FHA
Low Down Payment? No Problem. A government-backed loan perfect for first-time buyers or those with less-than-perfect credit.
Best for First-Time Buyers
Cash-Out Refinance
Your Money, Your Choice. Turn your home's equity into versatile cash for what matters most to you right now.
Best for Accessing Cash
VA Loans
Serving Those Who Served. Exclusive to veterans and active military. Benefit from $0 down payment and highly competitive interest rates.
Best for Veterans
Nontraditional
Outside the Box Solutions. For unique properties or financial situations that don't fit the standard mold. We find a way when standard banks say no.
Best for Unique Situations
Self-Employed
Your Business is Your Asset. We use bank statements or other methods to prove income so you qualify for the home you deserve.
Best for Business Owners
Thinking about purchasing a home?
Don't guess at your budget. Find out exactly what you can afford so you can shop with confidence.
1
Start the Process
Apply to prequalify easily online or over the phone in just a few minutes.
2
We Review
We help you gather income documents (like pay stubs) to uncover any hurdles early.
3
Shop & Close
Once you find a home, your loan moves fast because the hard work is already done.
The prequalification process often uncovers a need for further documentation that the borrower may need time to gather. We will guide you through this process to surface any potential issues early, ensuring you have an easy experience when it is time to buy your home.
Have you owned your home for six months? Refinance options are waiting for you.
With recent escalations in home values, many homeowners have more equity than they realize.
Lower Your Rate
Refinance into a new loan to secure a lower interest rate and reduce your monthly payments.
Eliminate Insurance
If your home equity has grown, you may be able to finally get rid of costly mortgage insurance (PMI)
Cash-Out
Turn your equity into cash for any major financial goals.
Refinance to access the equity waiting to be utilized.
CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A COMPANY OR A RESIDENTIAL MORTGAGE LOAN ORIGINATOR LICENSED IN TEXAS SHOULD COMPLETE AND SEND A COMPLAINT FORM TO THE TEXAS DEPARTMENT OF SAVINGS AND MORTGAGE LENDING, 2601 NORTH LAMAR, SUITE 201, AUSTIN, TEXAS 78705. COMPLAINT FORMS AND INSTRUCTIONS MAY BE OBTAINED FROM THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV. A TOLL-FREE CONSUMER HOTLINE IS AVAILABLE AT 1-877-276-5550.
THE DEPARTMENT MAINTAINS A RECOVERY FUND TO MAKE PAYMENTS OF CERTAIN ACTUAL OUT OF POCKET DAMAGES SUSTAINED BY BORROWERS CAUSED BY ACTS OF LICENSED RESIDENTIAL MORTGAGE LOAN ORIGINATORS. A WRITTEN APPLICATION FOR REIMBURSEMENT FROM THE RECOVERY FUND MUST BE FILED WITH AND INVESTIGATED BY THE DEPARTMENT PRIOR TO THE PAYMENT OF A CLAIM. FOR MORE INFORMATION ABOUT THE RECOVERY FUND, PLEASE CONSULT THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV.