Other Loan Programs

The perfect mortgage depends on what works best for you.   Choosing the right mortgage loan is key to your lifestyle and success.   We have plenty of loan options to choose from to compliment your financial goals. 

Full doc, Low doc, No doc, stated income,,   We have it all!   Together we will make sure that the loan you choose is the perfect loan for your financing success.  

We are your Go To Experts! 

We offer portfolio loans to compliment our self employed borrowers with flexible alternative no income qualifying options.  No tax returns, no k1s, etc.  

True No Doc loans, asset only loans, Bank statement cash flow loans, and more.   

A jumbo loan, or non-conforming loan, are home loans for amounts higher than $647,200 for 2022.  We offer Jumbo loans up to 90% Loan to value and 95% for our medical and legal professionals.   Learn more about jumbo loans by contacting us today.

Full Doc loans -  80% loan to value.  Qualify with income plus subject property market rent income x 75% for extra income !   

No Doc Investor loans - No income docs. 

80% loan to value.  Qualify based on market rents 1 to 1  of Mortgage Payment .  No ratio loans at 75% loan to value

A popular loan type, conventional fixed rate loans feature a constant interest rate for the life of the loan.. Generally speaking, monthly Principal and Interest payments remain the same.  Almost all conventional loans conform to the standards of Fannie Mae and Freddie Mac and are thus labeled "conforming": mortgages  Available terms generally range from 10, 15, 20, 25 and 30 years.

FHA loans are private loans insured by the federal government. These loans are popular with borrowers because it's often easier to qualify with lower down payments, less reserves,  higher debt-to-income ratios and less than perfect credit.  Lenders who wish to offer these loans must be approved by the Department of Housing and Urban Development FHA loans offer a wealth of benefits for many home buyers.  Please contact us today to find out if a FHA loan is right for you.

VA loans are private loans insured by the VA.    VA loans are available to qualified military veterans and have some favorable terms and advantages .  No down payment, No PMI.  Lower credit scores.    For information on  VA loans. please give us a call today.

Home equity Cash out loans  for conforming and Jumbo loans are are available up to 80% loan to value in Texas.    Your home equity is an asset you can put to good use.  Whether you're looking to make improvements to your home, payoff and consolidate debt, pay for education, or make other investments.  It's all yours to enjoy.  With fixed low rates and longer terms, a cash out home equity loan may be  the perfect loan.  We are here to help you understand your best home equity loan options and work the numbers! 

Adjustable rate mortgages are loans where the interest rate is recalculated  based on market indexes.  As interest rates are adjusted so is the the monthly principal and interest payment. While interest rates on ARM loans  generally  start lower than fixed rate loans, they can eventually become higher. Various types of ARM loans include Hybrid ARMs such as 10/1 year, 7/1 year, 5/1 year and 3/1 year programs. Contact us for more information on adjustable rate mortgage loans.

Reverse mortgage loans, also known as reverse equity loans, are only available to homeowners 65 or older. Like its name indicates, this program pays the homeowner either a one-time large payout or monthly installments.  Reverse mortgage loans are great options for seniors looking to increase their monthly income and requires no monthly mortgage payment..  Contact us for more details.