BUY YOUR TEXAS HOME WITH A TOP LOCAL LENDER

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

CALL OR TEXT NOW: 713-444-7459

Texas Homebuyers' Experiences

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"Adrian is awesome! He helped me obtain the best loan for my home, and had my best interest at heart."

- Cypress, TX Homebuyer on Google

"My real estate agent referred me to Adrian which he gave me great advice and knowledge on loan options. The process was smooth."

- Atascocita, TX Homebuyer on Facebook

"Thanks for all the help and effort you put to help us get our dream home!!"

- Austin, TX Homebuyer on Facebook

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.

CALL OR TEXT NOW: 713-444-7459

HERE'S WHAT THE PROCESS LOOKS LIKE

Let's Find Out What Your Plans Are

This will give me insight on how I can help you make your plans successful and answer all of your questions as best as possible.

Begin the Pre-Approval Process

We'll work together to gather the necessary information and documents needed for me to review and get you ACCURATELY pre-approved for a mortgage. Once pre-approved, we will go over the numbers together so that you know the details of everything involved.

HOUSE HUNTING BEGINS!

If you're working with a real estate agent already, I'll will let them know you're pre-approved and send them your pre-approval letter. If you don't have an agent, you can leverage our network of preferred and highly qualified agents in the area you're buying in.

UNDERWRITING & LOAN PROCESSING

Once you've found your home and your offer has been accepted by the seller, the underwriting process will begin. This includes provide any additional documentation needed for the loan to be 100% approved along with getting an appraisal, and more! As a trusted mortgage professional, I like to think ahead of the underwriters so that I know what they need and what they're looking for.

CLEAR TO CLOSE!

Once underwriting has cleared all of the outstanding items, we will be in the Clear to Close status. This means closing day can be scheduled where everyone signs, you get the keys to your new home!

CALL OR TEXT NOW: 713-444-7459

DON'T MISS OUT ON

Exclusive Access to Our Selectively Chosen Network of Loan Options

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

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

Competitive Interest Rates At The Wholesale Level

Whether you're a first time or a repeat homebuyer, you’ll benefit from my expertise, industry knowledge, and network—built not just through mortgages, but from my overall experience in real estate and finance.

CALL OR TEXT NOW: 713-444-7459

GENERAL OVERVIEW

What I work with

• Primary Residences, Second Homes, and Investment Properties

• Single Family Homes, 2-4 Units, Up to 10 Units

• Manufactured Homes, Barndominiums, and more

• Construction and Renovation

• Down Payment Assistance, Grants, Purchase Money Seconds, and More

• As low as 500 FICO Scores

• Competitive rates and incentives for strong credit and first time homebuyers

Government and Agency (Traditional) Loans

FHA – minimum 580 FICO | as low as 3.5% Down Payment

• Down Payment Assistance, Grants, and up to 101.5% CLTV Financing Available

• Can go as low as 500 FICO, other requirements may apply

• No FICO allowed with use of non-traditional credit profile

• Primary Residences Only

Conventional – minimum 620 FICO | as low as 3% Down Payment

• Down Payment Assistance and Grants Available

• Primary, Secondary, and Investment Transactions

USDA – minimum 620 FICO | as low as 0% Down Payment

• Primary Residences Only

• Rural Properties Only

VA – minimum 580 FICO | as low as 0% Down Payment

• Primary Residences Only

• Available to veterans, active duty, surviving widows, etc.

Jumbo – minimum 660 FICO | as low as 10% down

• Primary, Secondary, and Investment Transactions

• For above county conforming loan limits

Non-QM (Specialty) Loans
For most NonQM loans (varies): minimum 620 FICO | as low as 10% Down Payment

• Bank Statement – qualifying income based on bank statements only (no tax returns)

• DSCR – no income investment property loan, uses potential rental income to qualify

• 1099 Only – use income on 1099 forms for qualifying

• W2 or WVOE Only – When necessary, avoids using all required documents such as paystubs

• 1 Year Tax Returns for the recently Self Employed

• P&L Only – use profit and loss statement as qualifying income

• Asset Qualifier/Asset Depletion – use of assets both liquid and assets easy to liquidate

• And More

Renovation and Construction Loans

• FHA 203(k) Limited and Standard – minimum 620 FICO | as low as 3.5% Down Payment

• Conv’l HomeStyle and CHOICERenovation – minimum 620 FICO | as low as 3% Down

• USDA Renovation – minimum 580 FICO | as low as 0% Down Payment

• VA Renovation – minimum 580 FICO | as low as 0% Down Payment

• Hard Money Fix/Flip – minimum FICO varies | down payment varies on risk and experience

• One Time Close Construction Loans: Finance the purchase of land/lot and construction all in one (lower down payment) - FHA, Conventional, USDA, and VA Financing Available - Finance manufactured homes, site built, barndominiums, and more

CALL OR TEXT NOW: 713-444-7459

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.