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Loan Programs
Every loan program. One broker who knows all of them.
I have access to conventional, government, jumbo, investor, and specialty programs across my entire lender network. I match you with the right one and the right lender for your situation.
Conventional
Solid credit, money to put down. Competitive rates and the most flexibility on property types. The workhorse of mortgage lending.
Conventional loans →
FHA
Flexible credit, low down payment options, wider qualifying ratios. Built for first-time buyers and anyone who needs more room to qualify.
FHA loans →
USDA
Zero down for eligible rural areas. More areas near Austin qualify than people expect. I check eligibility on every property.
USDA loans →
Jumbo
Above $832,750 in Texas. Pickier underwriting, but rates are more competitive than people expect. I handle these regularly.
Jumbo loans →
Bank Statement Loans
Skip the tax returns, qualify off 12 to 24 months of bank deposits instead. Built for business owners whose returns understate their real income.
Bank statement loans →
DSCR / Investment Property
Qualify based on the rental property's income, not yours. No tax returns, no W-2s. If the rent covers the payment, you're in the conversation.
DSCR loans →
Refinance (Rate and Term)
Lower your rate, lower your payment, or change your term. I run the numbers and tell you straight whether the math works for your situation.
Refinance options →
Cash-Out Refinance
Tap your equity for renovations, debt payoff, investing, or another property. I show you the real numbers and whether it actually makes sense.
Cash-out refi →
Construction Loans
Finance a new build from the ground up. One closing, converts to a permanent mortgage when the house is done. I manage the draw schedule and lender coordination.
Construction loans →
Renovation Loans (FHA 203k)
Buy a fixer and roll the renovation costs into one loan. Purchase and rehab financed together. I handle the bids, inspections, and draws.
Renovation loans →
Non-QM / Alternative Documentation
For borrowers who don't fit the standard boxes. If a conventional or government loan doesn't work, there's almost always another path. I know where to find it.
Non-QM options →
HomeReady (Fannie Mae)
Fannie Mae's affordable program. Flexible down payment sourcing, broader income, non-occupant co-borrowers. Built for buyers below area median income.
HomeReady details →
HomePossible (Freddie Mac)
Freddie Mac's affordable program. Similar to HomeReady but sometimes prices better depending on your profile. I run both side by side and tell you which wins.
HomePossible details →
Adjustable Rate Mortgages (ARMs)
Not for everyone, but sometimes the smartest play. Lower initial rate if you plan to sell or refinance within a few years. I show you the full picture.
ARM details →
Bridge Loans
Short-term financing so you can buy before you sell. No contingencies, no stalling. I coordinate the timing between transactions.
Bridge loan details →
FHA Streamline Refinance
Already have an FHA loan? Drop your rate with minimal paperwork and no appraisal in most cases. The whole point is speed.
FHA Streamline details →
VA IRRRL (Streamline Refinance)
Already have a VA loan? Lower your rate with minimal documentation and no appraisal. One of the simplest refinances in the industry.
VA IRRRL details →
Debt Consolidation Refinance
Roll credit cards, car notes, student loans, and medical bills into your mortgage. One payment instead of five. I run the comparison so you see exactly what changes.
Debt consolidation details →
Interest-Only Loans
Pay only interest for a set period. Maximizes cash flow during a hold, renovation, or stabilization. Built for investors with a clear exit strategy.
Interest-only details →
Asset Depletion
You have the money, just not a paycheck. Converts liquid assets into qualifying income without liquidating. Built for retirees and high-net-worth borrowers.
Asset depletion details →
Foreign National Loans
Non-US citizens buying in Texas. No SSN required. Smaller lender pool, different documentation. I know which lenders do these and how they underwrite.
Foreign national details →
ITIN Loans
ITIN instead of SSN. Legitimate path to homeownership with lenders who specialize in it. I know the programs and which lenders actually close these.
ITIN loan details →
Home Equity / Second Lien
Tap equity without touching your first mortgage rate. A second lien sits behind your existing loan. I run the math on second lien vs cash-out refi and tell you which wins.
Home equity details →
Not sure which program fits? Tell me your situation and I'll match you.
Send Me Your Scenario →