Home loans
Every loan I work on, and where I focus
You will not find rates, payments or loan terms quoted anywhere on this site. Those depend on you, the property and the day — so I would rather talk them through with you than post a number that turns out not to be yours.
Where I focus
Non-QM, home equity and VA
Non-QM loans in Texas: bank statement, DSCR and asset-based
Bank statement, 1099, P&L, DSCR and asset-based programs for strong borrowers with non-standard paperwork.
Self-employed owners, investors, retirees with assets, and anyone whose tax return undersells them.
Read moreHome equity in Texas: HELOCs, home equity loans and cash-out
HELOCs, fixed home equity loans and cash-out refinancing under the Texas constitution's own rules.
Renovations, debt consolidation, tuition, a business, or a down payment on the next property.
Read moreVA home loans in Houston and across Texas
VA home loan guidance for service members, veterans and military families across Texas.
Built around PCS timelines, not around a generic mortgage calendar.
Read moreBuying a home
From a first home to a jumbo purchase
Texas 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 moreBank 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 moreAlready own
Refinancing and later-life options
Refinancing 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 moreInvestors and business owners
Rental property and the building your business runs from
Bridge 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 moreNot sure which one you are?
That is a normal place to start, and it is a short conversation. Tell me what you are trying to do and I will tell you plainly what the next step looks like. Buying outside Texas? Here is how that works.