Mortgage Lender in Texas

1099 Loans:

Ideal for independent contractors and freelancers, these loans use your 1099 income to qualify. This is a great option for the growing number of self-employed individuals in Texas.

Asset Depletion Loans:

Leverage your assets, such as investments and savings, to demonstrate your ability to repay the loan, even without traditional income verification. This can be beneficial for high-net-worth individuals and retirees in Texas.

Bank Statement Loans:

Perfect for self-employed borrowers or those with fluctuating income, these loans use your bank statements to assess your financial capacity. This is a popular choice for entrepreneurs and small business owners in Texas.

DSCR Loans:

Designed for real estate investors, these loans qualify you based on the property's rental income and its ability to cover the mortgage payment. This is ideal for those looking to invest in the thriving Texas real estate market.

Bridge Loans:

Short-term loans that provide a financial bridge between selling your current home and purchasing a new one, or for managing immediate financial needs.

P&L Loans:

Use your business's profit and loss statements to qualify, making them suitable for self-employed individuals and business owners in Texas.

Foreign National Loans:

Catered to non-U.S. residents, these loans offer financing options without requiring a U.S. credit history. This can be helpful for international investors looking to purchase property in Texas.

Investor Cash Flow Loans:

Specifically for property investors, these loans assess your qualification based on the anticipated cash flow generated by the rental property.

ITIN Loans:

Enable borrowers with an Individual Taxpayer Identification Number (ITIN) to purchase homes, even if they are not U.S. citizens or permanent residents.

Jumbo Non-QM Loans:

Provide financing for high-value properties exceeding conforming loan limits, tailored to borrowers with unique financial situations. This is particularly relevant in areas like Austin, Dallas, and Houston, where luxury real estate is common.

No Ratio Loans:

For borrowers with substantial assets, these loans may not require income verification, focusing instead on your overall financial strength.

Interest-Only Non-QM Loans:

Allow you to make interest-only payments for a set period, providing flexibility and potentially lower initial payments.

Rate-and-Term Refinance:

Secure a lower interest rate or shorten your loan term to reduce your overall interest costs and potentially build equity faster. This is a popular option in Texas, where mortgage rates can fluctuate.

Cash-Out Refinance:

Access your home equity to fund home improvements, consolidate high-interest debt, or finance major expenses. This can be a helpful tool for Texas homeowners looking to make upgrades or consolidate debt.

Significant Savings:

Lower your monthly payments and potentially save thousands of dollars over the life of your loan.

Increased Equity:

Accelerate your equity building by potentially paying off your mortgage faster.

Debt Consolidation:

Simplify your finances and potentially lower your interest rates by consolidating high-interest debt into a single, manageable payment.

Home Improvement Funding:

Finance home renovations or upgrades to enhance your living space and potentially increase your property value.

Conventional Loans:

These loans offer competitive rates and flexible terms for borrowers with strong credit profiles and established financial histories.

FHA Loans:

Backed by the Federal Housing Administration, FHA loans require lower down payments and have more lenient credit requirements, making them ideal for first-time homebuyers in Texas.

VA Loans:

Available to eligible veterans, active-duty military personnel, and their surviving spouses, VA loans offer favorable terms, including no down payment options and no private mortgage insurance requirements. Texas has a large military presence, making VA loans a popular choice.

FHA Loans:

Ideal for first-time homebuyers and those with less-than-perfect credit, FHA loans require lower down payments and have more lenient credit score requirements.

VA Loans:

Available to veterans, active-duty military personnel, and eligible surviving spouses, VA loans offer competitive rates, no down payment options, and no private mortgage insurance requirements.

USDA Loans:

Designed to promote homeownership in designated rural areas of Texas, USDA loans offer zero-down payment options and flexible credit guidelines.

Jumbo Loans:

For high-value properties exceeding conforming loan limits, jumbo loans offer financing solutions for luxury homes and unique properties. This is relevant in many Texas cities with high property values.

Renovation Loans:

Combine your home purchase or refinance with funding for renovations, allowing you to create your dream home from day one.

Investment Property Loans:

Finance the purchase of rental properties or vacation homes to build your investment portfolio and generate passive income. The Texas real estate market is attractive for investors, making these loans a popular choice.