Your Path to Homeownership Starts Here with a Local Lender

SEE WHAT YOU QUALIFY FOR TODAY

Buying your home doesn't have to be stressful, let me and my team deal with the complexities. Take advantage of and see what you qualify for!

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Join other Texas home buyers that got access to a wider range of loan options, better rates, tremendous savings, and much more.

About Government and Agency Loans

Government and Agency Loans are your traditional loans which include FHA, Conventional, VA, and USDA

Basic requirements outlined below

FHA

Primary residences only
Single Family, 2-4 Units, Manufactured Homes, and more eligible
Minimum 580 credit score required but can go as low as 500
Minimum 3.5% down payment, must be from own funds, gift from a family member, or in the form of assistance or grant
Many down payment assistance and grants available for up to 101.5% CLTV to help with down payment/closing costs
FHA loans are generally less strict on their credit and debt-to-income ratio requirements
No credit history or score? We can build and use a non-traditional credit profile
Myth: FHA is only for first time home buyers

To check FHA county loan limits visit FHA Mortgage Limits and enter criteria

Conventional

Primary residences, second homes, and investment properties
Single Family, 2-4 Units, Manufactured Homes, and more eligible
Minimum 620 credit score required
Minimum 3% down payment (for eligible primary residence transactions only; ask about down payment requirements for your scenario), must be from own funds, gift from a family member, or in the form of assistance or grant
Many down payment assistance and grants available
Conventional loans are usually more favorable to stronger credit score applicants, let's check your scenario

To check county conforming loan limits, visit FHFA.gov or search via google for fannie mae or freddie mac resources

VA

Primary residences only
Single Family, 2-4 Units, Manufactured Homes, and more eligible
Available to veterans, active duty, surviving widows, etc.
Minimum 580 credit score required
As low as 0% down for eligible borrowers
We can help you determine your overall eligibility by requesting your COE from the VA using your DD-214

Myth: You can only have 1 VA loan active at a time - not true. Let's find out what your entitlement is and if you qualify for another home with a VA loan

USDA

Primary residences only
Single Family, 1 Unit, PUD, or Condo in rural areas only
Minimum 620 credit score required
As low as 0% down
Income limits apply and are based on household size and area

To check if a property is eligible for USDA financing, use the USDA Property Eligibility Lookup Tool

Let's gather your information and documents to see which loan(s) you qualify for

CALL OR TEXT NOW: 713-444-7459

Take Advantage of

Exclusive Access to Our Selectively Chosen Network of Loan Options

Competitive Interest Rates At The Wholesale Level

Speed - While the Industry Average to Close and Fund a Loan is 30 Days, My Average is 15 Days and My Fastest is 5 Days

Leverage Our Network of Carefully Selected Preferred Partners such as Real Estate Agents, Insurance Brokers, and More

Limitless Opportunities: Exclusive Loan Options and Flexible Loan Requirements as well as First Time Home Buyer perks and programs

Accuracy: Many lenders tend to falsely deny or over-approve borrowers - I'm very thorough and think like an underwriter

What is a Mortgage Broker and What Makes Us Better

We don't work for any lender but instead, we have a network of lenders we do business with that compete for your loan. This competition creates more opportunity and flexibility for borrowers when it comes to lending requirements and rates being offered at the wholesale level. Brokers also have a wider range of loan options—many that banks and direct lenders simply can’t offer—while still having access to all the same programs they do.

ABOUT WHO I AM

I’m a proud Houston, Texas native and graduate from the University of Houston where I earned a degree in Finance. I started my career as an analyst for a real estate firm focused in multifamily investing and property management. My responsibilities included working with property management, lenders, servicers, investors, and equity partners, as well as handling acquisitions, revenue management, and financial analysis for a growing portfolio with a valuation over $650MM.

This experience instilled the passion I have for real estate and finance but I still desired to make a more personal impact so, I transitioned to mortgage lending where I've been able to combine my expertise and help people achieve homeownership.

I work with buyers of all types all over Texas and there’s nothing more fulfilling than guiding people through one of the biggest decisions of their lives. Something I’m proud to say is - because of the way we operate and the experience I bring, I've been able to help many individuals that almost lost an opportunity at homeownership for various reasons close on their home. My primary goal is to make homeownership achievable whether that's figuring the numbers out or making a customized game plan.