Get Started Today
Ready to discuss your Texas home loan? I'm here to help.
Send Me a Message
Fill out the form below and I'll get back to you within 1 business day. For immediate assistance, call me directly at 936-727-4534.
Direct Contact
Office Hours
After-hours appointments available by request for urgent situations.
Licensed Professional
NMLS #921561
Texas licensed mortgage professional with 20+ years of experience helping families achieve homeownership.
Fast Response Time
I respond to all inquiries within 1 business day. For urgent matters, calling is always the fastest way to reach me.
Frequently Asked Questions
How quickly can I get pre-approved for a mortgage?
With complete documentation, I can provide pre-approval within 1-3 business days. For urgent situations, same-day pre-approval is often possible. Call me directly at 936-727-4534 if you need expedited service.
What documents do I need to apply for a mortgage?
Typically: 2 years tax returns, 2 recent pay stubs, 2 months bank statements, photo ID, and proof of any other assets. The exact requirements vary by loan type. I'll provide a complete checklist specific to your situation during our initial consultation.
Do you charge for pre-approval or consultation?
No. Initial consultation and pre-approval are completely free with no obligation. I'm compensated by the lender only if you choose to close a loan with me. There are no upfront fees or charges for my services.
What credit score do I need to qualify for a mortgage?
It depends on the loan type. FHA accepts scores as low as 580 (sometimes 500 with 10% down), VA typically 620+, USDA 640+, and conventional 620-680+. I work with multiple loan programs to find options even if your credit isn't perfect. Let's discuss your specific situation.
Do you help with down payment assistance programs?
Absolutely! I'm an expert in Texas down payment assistance programs including My First Texas Home, Hometown Heroes, and county-specific programs. Many of my clients purchase homes with less than $3,000 out of pocket by stacking these programs strategically.
How long does it take to close a mortgage loan?
Typical purchase loans close in 35-45 days from application. Refinances often close faster, in 25-35 days. DSCR investor loans can close in as little as 15-21 days. Timeline depends on loan type, appraisal turnaround, and how quickly you provide documentation.