The things people ask us most.

A broker shops your loan across many lenders to find the best rate, program, and terms for your situation, rather than offering the single menu one bank happens to carry. You fill out one application and we bring you competing options — often at better pricing, always with personal guidance.

Typically within 24 hours of submitting your information — often much sooner. A pre-approval reviews your income, credit, and assets so you know exactly what you can borrow before you shop.

It depends on the program. Conventional loans can start at 3% down, FHA at 3.5%, and VA and USDA can be $0 down for those who qualify. We’ll match you to the right structure for your goals and budget.

Many programs start around 620, and FHA can go lower. A stronger score earns a better rate, but there are paths for a range of credit profiles — we’ll show you exactly where you stand and how to improve it if needed.

Closing costs cover lender, title, appraisal, and prepaid items like taxes and insurance — typically 2–5% of the purchase price. In some cases sellers can contribute, and we always explain every line before you sign.

We’re licensed throughout the State of Texas and actively serve the Dallas–Fort Worth, Austin, Houston, and San Antonio metros and beyond. If you don’t see your city listed, just ask — we likely serve it too.

No. Information and estimates provided are for illustrative purposes and are not a commitment to lend. Final approval is subject to underwriting, appraisal, and other standard conditions — but a pre-approval gives you and sellers real confidence in your budget.

Request a pre-approval through our contact form or begin your secure application directly with our lending partner. A loan officer will reach out within 24 hours to talk through your goals.