All our loans are tailored to each individual and their specific situation. If you don't see a loan here that exactly meets your needs,
we'll work with you to customize one that will.

Loan Types

Conventional
Fannie Mae or Freddie Mac

  • Most Common Loan Type
  • You have good or excellent credit
  • You have at least 5% of your own funds available for down payment
  • You have a "non-purchasing spouse"

FHA
Federal Housing Administration

  • Most common loan type for first time buyers
  • The entire down payment (3.5% minimum) can be gift from a blood relative
  • You need more flexible approval guidelines

VA
Veteran Affairs

  • You are a veteran, reservist, active duty service member, or a surviving spouse of such a person with a Certificate of Eligibility
  • You would like to buy your home with little to no money down
  • You want the peace of mind of stable principal and interest monthly payments

Jumbo
Portfolio and/or Larger Loans

  • You are looking to buy a home over the conforming limit in your area ($424,100 in Texas)
  • You want great service with your larger loan
  • You want assistance navigating the more detailed underwriting of jumbo lending

Reverse Mortgage

  • For homeowners 62 years or older who own their home
  • You can convert home equity into tax free proceeds
  • You can pay off your existing mortgage or other non-real estate debts
  • You can purchase a new property with the reverse for purchase program
  • Minimal income or credit qualifications

Rate Types

Fixed Rate

  • You prefer consistent principal and interest mortgage payments
  • You plan to be in your home for a long time
  • You are unsure of how long you plan to be in the home

Adjustable Rate Mortgage (ARM)

  • You plan to relocate or refinance in the next 5-7 years
  • You anticipate major lifestyle changes such as an increase in income or substantial principal reduction
  • You are willing to accept the risk of future interest rate changes
  • Interest-Only ARMs available for qualified borrowers/properties