832-400-5093
We constantly work on delivering the best loan services to our clients. Our officer will walk you through every step of the loan application and approval process
We guide you from first questions to clear next steps—fast.
Call or text – A live conversation is best.
Goals & docs – Tell us your price range and how you’re paid; upload paystubs or bank statements.
We run numbers and show payments, cash to close, and rate choices.
Pre-qualification or plan – You’ll leave with a letter or a clear path to get there.
We constantly work on delivering the best loan services to our clients. Our officer will walk you through every step of the loan application and approval process
Learn the steps from pre-qual to closing, typical timelines, and what costs to expect before you make an offer. We’ll explain inspections, appraisals, and down-payment options in plain English so there are no surprises. Get a clear plan for your budget and next steps.
Qualify using 12–24 months of bank statements—no W-2s needed. We’ll average eligible deposits, review business write-offs, and show you what loan amounts and payments look like. You’ll know exactly which documents to upload and how long each step takes.
Purchase an owner-occupied home with your ITIN. We’ll outline the required documents, acceptable IDs, and typical timelines, then compare down-payment options so you know what’s realistic. Transparent guidance from application to closing—no guesswork.
Qualify by property cash flow (DSCR) instead of personal income. We’ll estimate rent, explain common DSCR thresholds, and map out down-payment and reserve requirements. See sample payments and learn how rates change with different DSCRs.
Photo ID (and SSN or ITIN).Most recent 30 days paystubs or 12–24 months bank statements (self-employed).Last 2 months of bank/asset statements.W-2s/1099s or last 2 years tax returns (when applicable).Purchase contract (once you’re under contract).Not sure what applies to you? We’ll walk you through it in minutes.
Your buying journey starts here! Get a free estimate on your monthly payment before you make an offer.
Get your pre-qualification today and tour homes with a solid number.
JOIN OUR NEWSLETTER