Your Path to Homeownership Starts Here with a Local Lender

SEE WHAT YOU QUALIFY FOR TODAY

Traditional Loans Don’t Work for Everyone - Turn ‘No’ Into ‘Approved’ with Non-QM Loan Options. Standard lenders can’t always accommodate unique financial situations such as if tax write-offs or complex income structures are getting in the way, we have solutions designed just for you.

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

About Non-QM Loans

Non-QM loans provide alternatives that allow more flexibility and options for many borrowers, especially those who are self-employed, as they do not conform to the strict guidelines set by government-sponsored enterprises like Fannie Mae and Freddie Mac. The following are some of many Non-QM loan options and their basic requirements.

For most Non-QM (but varies): as low as 620 FICO Score and as low as 10% Down

Primary, Second, and Investment Properties Eligible (LTV may vary)

Other requirements may apply such as reserves

Bank Statement Loan

12 or 24 Months of Personal or Business Bank Statements - deposits used as qualifying income
No tax returns required

P&L Only Loan

Use profit and loss statement used for qualifying income

1099 Only Loan

Use recent 1 or 2 years of 1099's with low expense ratio for qualifying income

DSCR Loan (Debt Service Coverage Ratio) Loan

Uses potential or effective rental income of the property rather than borrower's personal income to qualify

Asset Qualifier/Asset Depletion Loan

Qualify using liquid and near-liquid assets

1 Year Tax Returns for the Recently Self Employed Loan

Accepts just 1 year of returns for the recently self employed as opposed to the generally required 2 years

No Doc (Community) Loan

Only down payment and reserves required, no qualifying income used

And many more Non-QM and Specialty Mortgage Loans available

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

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

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

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.