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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
Agency underwriting, property-type flexibility, and a conforming structure when the loan amount fits the annual limit. 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 the Texas conforming loan limit. Pickier underwriting, more documentation, and pricing that can vary sharply by profile. 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 supports the modeled PITIA, we can review the DSCR path.
DSCR loans →
Refinance (Rate and Term)
Review whether a rate-and-term refinance improves the structure enough to justify the costs. I run the numbers and tell you straight whether the math works.
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 →
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 →
Construction Loans
Educational guide for ground-up builds and major rebuilds. I do not originate construction loans, but I explain the financing path and where to look next.
Construction 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 →
Foreign National Loans
Non-US citizens buying property in Texas. Financing may be possible without a Social Security number. The lender pool is small, so file structure matters.
Foreign national loans →
ITIN Loans
For borrowers who file US taxes with an ITIN instead of a Social Security number. These are portfolio programs, and I know who runs them.
ITIN loans →
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 the fit can differ by profile. I run both side by side and explain the trade-offs.
HomePossible details →
Adjustable Rate Mortgages (ARMs)
Not for everyone, but sometimes worth comparing if you plan to sell or refinance within a few years. I show you the full adjustment 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? Review whether a streamline refinance fits, with minimal paperwork and no appraisal in many cases.
FHA Streamline details →
VA IRRRL (Streamline Refinance)
Already have a VA loan? Review whether an IRRRL streamline refinance fits, with minimal documentation and no appraisal in many cases.
VA IRRRL details →
Debt Consolidation Refinance
Compare whether consolidating cards, car notes, student loans, or medical bills into a mortgage structure actually improves your full picture.
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 →
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 →