Start Your Mortgage Application
Secure online application processed by Ken Harmon
NMLS #921561 | Typically processed within 1-3 business days
Secure Platform
Bank-level encryption protects your information
Fast Processing
Pre-approval in 1-3 days with complete documents
All Loan Types
FHA, VA, USDA, Conventional, DSCR, and more
Personal Service
Work directly with Ken from start to finish
Choose Your Application Type
Residential Mortgage
Purchase or refinance your primary residence, second home, or investment property
- FHA, VA, USDA, Conventional loans
- DSCR investor loans (no income verification)
- Jumbo loans for high-value properties
- Self-employed and bank statement loans
Typical Documents Needed:
2 years tax returns, 2 recent pay stubs, 2 months bank statements, photo ID
HELOC Application
Home Equity Line of Credit - tap into your home's equity for any purpose
- Access up to 80-90% of your home equity
- Variable rate line of credit
- Use for renovations, debt consolidation, or any expense
- Pay interest only on what you borrow
Popular Uses:
Home improvements, college tuition, emergency fund, debt consolidation
Start Your Application at Loan Factory
Click below to access our secure mortgage application system
Start Your Application at Loan FactoryPrefer to Talk First?
Call me directly and I'll walk you through the application process
Call Ken: 936-727-4534Ken Harmon, NMLS #921561
Licensed Texas Mortgage Professional
What Happens After You Apply?
Immediate Confirmation
You'll receive an email confirmation that I've received your application. I personally review every submission within 24 hours.
Initial Consultation Call
I'll contact you within 1 business day to discuss your application, answer questions, and explain the next steps. We'll review which loan program best fits your situation.
Document Collection
I'll provide a complete checklist of required documents and guide you through uploading them securely. Most clients provide all documents within 2-3 days.
Pre-Approval Letter
Once I have your documents, you'll typically receive your pre-approval letter within 1-3 business days. This shows sellers you're a serious, qualified buyer.
House Hunting & Closing
With pre-approval in hand, you can confidently shop for homes. When you find your dream home, I'll guide you through final underwriting and close your loan in 35-45 days.
Questions Before Applying?
I'm happy to discuss your situation, explain loan options, and answer any questions before you submit your application. No pressure, just helpful guidance.