Here is a quick summary of the major programs that we offer to our clients in Texas.  Click on the loan program heading for more information about the program.

VA Home Purchase Program
This popular program offers loans to eligible and qualified veterans for the purchase of a primary, owner-occupied residence. These loans typically enable the veteran to obtain 100% financing with no down payment and no mortgage insurance up to a loan amount of $417,000 and the program can be used multiple times. The current minimum credit score required with our VA investors is 620. Our VA team is not only VA approved to originate, process, underwrite, and fund your VA loan, but that is what we do best. Click here for more information about the VA Home Purchase Program. If you are ready to go, click here to apply online or call us for pre-approval by phone.

Texas Veterans Housing Assistance Program
This special Texas-only program gives eligible Texas Veterans the option of a potentially reduced interest rate if they are already pre-approved for financing through a Texas Veterans Land Board (TVLB) participating lender. The pre-approval can be for a VA, FHA, or Conventional loan, but our current minimum credit score for this program is 620. To be considered a “Texas Veteran”, you simply need to be living in Texas at the time that you apply for the program. Be sure to ask about discounted interest rates for disabled veterans and activated Reservists and National Guard soldiers. The maximum loan for this program is $325,000, even when used with a VA loan. Click here for more information. If you are ready to be pre-approved, click here to apply online or call us to apply by phone. (Note, this program cannot be used for refinancing.)

VA Streamline Refinance Loans
This program is specifically for veterans who want to refinance from an existing VA loan to a new VA loan with a lower interest rate, or a shorter term, or from an Adjustable Rate Mortgage (ARM) to a Fixed Rate Mortgage, or vice versa. In order to take advantage of this program, you must currently have a VA loan with no past due balances and no late payments in the last 12 months and a minimum credit score of 640 for everyone on the loan. Click here for more information regarding the VA Streamline Refinance program. To obtain a Free Refinance Analysis to determine the potential costs and benefits of refinancing your specific loan, simply complete this form online.

VA Jumbo Loans
Are you looking for a VA loan, but you need to borrow more than $417,000? No problem! A Texas VA jumbo loan is what you are looking for. Texas VA jumbo loans allow you to exceed the conforming loan limit of $417,000 without incurring a higher interest rate typically associated with jumbo loans. A small down payment will be required when you exceed $417,000, but it sure beats putting down 20% on a conventional jumbo loan at a higher interest rate. This program can be used for purchasing a house with a VA loan or for refinancing a house you already have financed with a VA loan. Click here to read more about this BIG program or call us if you would like to discuss it right now.

FHA Purchase Loans
This program has one of the lowest down payment options available at only 3.50%.  This is perhaps the most popular home loan program for folks who are not military veterans and are trying to keep their down payment to a minimum.  This program does have mortgage insurance, so on a monthly basis it will cost more than most other programs, but if your down payment options are limited, this is a great way to go.  Click here for more information on FHA purchase loans. If you are ready to be pre-approved for an FHA loan, then simply complete this online application.

FHA Reverse Mortgages
A loan whose features make it essentially the reverse of a traditional forward mortgage. Instead of paying your lender, your lender pays you. Instead of reducing your debt as the loan term progresses, you increase it. Instead of turning your income into equity, you turn your equity into income.  Reverse mortgages turn the equity in your home into cash without you having to move or repay the loan each month. It is not a complicated program, but it does take some time to figure out the pros and cons for your specific situation, which is why it is important to work with an experienced reverse mortgage specialist.   Click here for more information or give us a call and we will get you all of the information you need to make an informed decision about all of your options.  You can even request a quote with this form.

Other Loan Programs
Unfortunately we currently do NOT offer Commercial Loans, Construction Loans, or Land Loans, but we do have lending partners who can help with some of these programs. Call us and we will be happy to assist you.