Loan Officer · All Western Mortgage, Inc.
Straight answers for Texans whose mortgage needs explaining
Self-employed and your tax return undersells you. Sitting on equity and wondering what Texas lets you do with it. A veteran who wants the benefit used properly. That is where I do my best work — and fifteen minutes on the phone usually settles it.
No rates or payments are quoted on this site. Applications are taken by All Western Mortgage.
- Individual NMLS ID
- 1401382
- Company
- All Western Mortgage, Inc. · NMLS #14210
- Licensed in
- Texas
Where I focus
Three kinds of loan I would like to be known for
- Non-QM loansFor the borrowers a standard checklist was never written forBank statement, 1099, P&L, DSCR and asset-based programs for strong borrowers with non-standard paperwork.Read the guide
- Home equityUsing what your home has earned, the Texas wayHELOCs, fixed home equity loans and cash-out refinancing under the Texas constitution's own rules.Read the guide
- VA borrowersYour VA benefit, used properly — buying, refinancing or cashing outVA home loan guidance for service members, veterans and military families across Texas.Read the guide
Start here
Which of these sounds most like you?
Pick the one that fits. I will tell you what it means, and where to read more.
That is what non-QM programs are for — bank statements, a P&L, the rent a property earns or the assets you hold can stand in for the standard checklist. First I check whether you need one at all.
Read the page written for thisTexas has its own constitutional rules for this — an 80 percent limit, a 12-day wait and more. A HELOC, a home equity loan and a cash-out refinance each fit different plans.
Read the page written for thisStart before you arrive. Sorting eligibility while you still have orders in hand is the one thing that makes a PCS purchase calm rather than frantic.
Read the page written for thisThen the question is which documentation route fits your business, not whether you qualify at all. Bank statements and other alternative documentation exist precisely for this gap.
Read the page written for thisTexas runs statewide assistance for exactly this, and the figure people assume they need is usually out of date. Worth checking the programs before you rule yourself out.
Read the page written for thisA reverse mortgage can help, with real obligations — taxes, insurance and upkeep stay yours. It deserves an unhurried conversation, ideally with family in the room.
Read the page written for thisThen the exit matters as much as the acquisition. Short-term financing is only a good idea when the take-out was planned before you made the offer.
Read the page written for thisOwner-occupied commercial property is underwritten on the business, the building and your track record. SBA-backed structures are often part of the conversation.
Read the page written for this
None of them? Tell me the actual situation — most of what I do does not fit neatly into a box either.
Everything else I do
First homes to commercial buildings
FHA, conventional and jumbo, Texas down payment assistance, refinancing, reverse mortgages for homeowners 62 and older, investment property and financing for the building your business runs from.
Bank statement and alt-doc loans for self-employed buyers
Bank statement and alternative-documentation options for business owners, contractors and 1099 earners.
Built for how Houston actually earns: energy, healthcare, construction, trades and gig work.
Read moreTexas down payment assistance for first-time buyers
Texas down payment assistance explained without the jargon, including who actually qualifies.
For buyers who have been told to "come back when you have twenty percent".
Read moreFHA loans in Texas: flexible credit, smaller down payments
FHA-insured loans with lower down payment options and more flexible credit guidelines.
Often paired with Texas down payment assistance for first-time buyers.
Read moreConventional home loans in Texas, including jumbo
Conforming and jumbo loans for primary homes, second homes and investment property.
Flexible down payment choices, with mortgage insurance that can come off.
Read moreRefinancing your Texas home: when it makes sense
Rate-and-term, cash-out, VA IRRRL, FHA streamline and removing mortgage insurance.
A clear break-even answer before you pay a single closing cost.
Read moreReverse mortgages in Texas for homeowners 62 and older
Reverse mortgage guidance for Texas homeowners 62 and older, including HECM for Purchase.
Plain answers about obligations, repayment and heirs — before anyone signs anything.
Read moreBridge and private financing for Texas investors
Private and bridge financing to win the deal, then a planned exit into longer-term financing.
For investors who need certainty of close and a lender who understands the second step.
Read moreCommercial real estate loans for Texas business owners
Owner-occupied commercial property, mixed-use buildings and business-purpose real estate.
For Texas business owners who would rather build equity than pay a landlord.
Read moreBuying outside Texas?
I am licensed in Texas only, but All Western Mortgage has licensed loan officers in other states. Tell me where you are buying and I will introduce you to a colleague who can help.
How it goes
What working with me actually looks like
No surprises, and no stage where you are left wondering what is happening. The application itself is made on All Western Mortgage systems — I am the person who gets you ready for it and stays with you through it.
A conversation
Fifteen minutes, no documents needed. You tell me what you are trying to buy and how you earn; I tell you plainly whether the timing works and what the path looks like.
Documents
I send a short, specific list — not a generic checklist. If you are self-employed or paid on 1099, that list looks different, and I explain why each item matters.
Pre-approval at All Western
Your application, credit and pricing are handled on All Western Mortgage systems. I walk you through what the pre-approval letter says and what your agent needs from it.
Under contract
Once you are in escrow I give you and your agent a weekly written update, so nobody has to chase me for a status.
Closing and beyond
We sign, you get the keys, and I stay in touch — an annual review, and a note from me if something changes that is worth your attention.
Verification
Check me before you call
You were probably referred here by an agent or by someone who used me. Either way, you should confirm that I am who I say I am. It takes about a minute and I would rather you did it.
How to verify me in about a minute
- Open NMLS Consumer Access (opens in a new tab), the official registry run by state regulators.
- Search my individual NMLS ID, 1401382, or search my name and filter to Texas.
- Confirm that my record shows All Western Mortgage, Inc. (NMLS #14210) as my employer, and that my license status is active in the state where you are buying.
If anything on this site does not match what the registry says, trust the registry and tell me — I want to know.
In their words
What clients say
Reviews
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Reviews reflect the individual experience of the person who wrote them. Every borrower's situation is different and results vary.
Watch first
Answers to the questions I get most
Videos
The video library will live here — one educational video a week, answering the questions agents and buyers actually ask.
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For real-estate agents
Your client gets an answer the same day
I work with a small number of agents rather than a long list. That means a same-day pre-approval turnaround, a written weekly update on every file in escrow, and a lender who will pick up the phone on a Sunday when an offer is due Monday.