The Texas Loan Lady |
Independent mortgage guidance
(with no lender fees or last-minute surprises)
I give homebuyers clarity and control through every step of a process that can feel like anything but.
I put your best home loan options
in simple terms
so you can move in (and forward) with confidence
I work with a wide range of home loan and refinancing programs, from low down payment options for first-time buyers to specialized loans for investors and homeowners refinancing to reach new goals. Every recommendation is based on your specific financial picture and long-term plans, backed by honest guidance that helps you make informed, tailored-to-you decisions.
Tap below to learn more about some of the most common loan types I work with—and who they’re best for.
I put your best home loan options
in simple terms
so you can move in (and forward) with confidence
I work with a wide range of home loan and refinancing programs, from low down payment options for first-time buyers to specialized loans for investors and homeowners refinancing to reach new goals. Every recommendation is based on your specific financial picture and long-term plans, backed by honest guidance that helps you make informed, tailored-to-you decisions.
Tap below to learn more about some of the most common loan types I work with—and who they’re best for.
Most Common Loan Options
Classic loan programs most buyers start with.
They’re flexible, accessible, and ideal for a range of goals and budgets.
First Time Homebuyer Loans
Buying your first home should feel doable, not daunting! First time homebuyer loans are designed for buyers who have limited savings or no prior homeownership history. You’ll find programs with 1-3% down, down-payment assistance options, and flexible credit requirements, so you can build equity instead of paying rent.
✓ Simple qualification process
✓ Perfect for renters ready to buy
✓ Low down payment or down payment assistance
FHA Low Down Payment Loans
FHA loans are one of the most accessible options for buyers who have steady income but limited cash savings. With low down payments and easier credit standards, they’re ideal for families and individuals who want to buy sooner instead of saving for years. I’ll guide you through the details—like mortgage insurance and appraisal standards—so you know exactly what to expect from start to finish.
VA Loans for Veterans
VA loans are one of my favorite programs to work with because they’re set up to honor the people who’ve served. With no required down payment, no lender fees, and exceptional terms, they’re also some of the best loans available to those who qualify, including veterans, active-duty members, and eligible spouses.
✓ As little as 3.5% down
✓ Flexible qualification guidelines
✓ Perfect for renters ready to buy
✓ No down payment required
✓ Competitive rates and fewer fees
✓ Built-in benefits for active duty and veterans
Most Common Loan Options
Classic loan programs most buyers start with.
They’re flexible, accessible, and ideal for a range of goals and budgets.
First Time
Homebuyer Loans
Buying your first home should feel doable, not daunting! First time homebuyer loans are designed for buyers who have limited savings or no prior homeownership history. You’ll find programs with 1-3% down, down-payment assistance options, and flexible credit requirements, so you can build equity instead of paying rent.
✓ Simple qualification process
✓ Perfect for renters ready to buy
✓ Low down payment or
down payment assistance
FHA Low Down
Payment Loans
FHA loans are one of the most accessible options for buyers who have steady income but limited cash savings. With low down payments and easier credit standards, they’re ideal for families and individuals who want to buy sooner instead of saving for years. I’ll guide you through the details—like mortgage insurance and appraisal standards—so you know exactly what to expect from start to finish.
✓ As little as 3.5% down
✓ Flexible qualification guidelines
✓ Perfect for renters ready to buy
VA Loans for Veterans
VA loans are one of my favorite programs to work with because they’re set up to honor the people who’ve served. With no required down payment, no lender fees, and exceptional terms, they’re also some of the best loans available to those who qualify, including veterans, active-duty members, and eligible spouses.
✓ No down payment required
✓ Competitive rates and fewer fees
✓ Built-in benefits for active duty
and veterans
Specialized Loan Options
Programs designed for unique goals, income types, and investment strategies.
Investor Loans
(for Rental & Flip Properties)
Investment and DSCR (Debt Service Coverage Ratio) loans help you grow wealth through real estate, even if you don’t fit traditional income requirements. Instead of looking at your W-2s or tax returns, loan qualification is based on the property’s projected rent and expenses. Whether you’re building a rental portfolio or financing your next flip, I’ll help structure a loan that fits your investment goals, budget, and long-term plan.
Self-Employed
and Business Owners
Traditional underwriting doesn’t always recognize the earnings of business owners, entrepreneurs, and freelancers. But a handful of loan programs use bank statements instead of tax returns to verify eligibility, offering more realistic qualification paths for individuals with consistent cash flow from non-traditional sources.
Home Loan Refinancing
Whether you’re ready to renovate, consolidate debt, save with a better interest rate, or reduce your monthly mortgage payment, refinancing is like a financial reset. If you have some equity built up, I’ll review your current mortgage and goals, compare options across multiple lenders, and help you make sure now’s the best time to tap into it. Whatever your end goal, I’ll help you get there as smoothly and cost-effectively as possible.
✓ Finance multiple properties
✓ Use projected rent to qualify
✓ Options for renovation funding and short-term holds
✓ Flexible income verification
✓ Qualify using bank statements instead of tax returns
✓ Programs for freelancers and entrepreneurs
✓ Lower your monthly mortgage payment
✓ Customize terms to match your goals
✓ Access equity for renovations or debt payoff
Specialized
Loan Options
Programs designed for unique goals, income types, and investment strategies.
Investor Loans
(for Rental & Flip Properties)
Investment and DSCR (Debt Service Coverage Ratio) loans help you grow wealth through real estate, even if you don’t fit traditional income requirements. Instead of looking at your W-2s or tax returns, loan qualification is based on the property’s projected rent and expenses. Whether you’re building a rental portfolio or financing your next flip, I’ll help structure a loan that fits your investment goals, budget, and long-term plan.
✓ Finance multiple properties
✓ Use projected rent to qualify
✓ Options for renovation funding and short-term holds
Self-Employed
and Business Owners
Traditional underwriting doesn’t always recognize the earnings of business owners, entrepreneurs, and freelancers. But a handful of loan programs use bank statements instead of tax returns to verify eligibility, offering more realistic qualification paths for individuals with consistent cash flow from non-traditional sources.
✓ Flexible income verification
✓ Qualify using bank statements instead of tax returns
✓ Programs for freelancers and entrepreneurs
Home Loan Refinancing
Whether you’re ready to renovate, consolidate debt, save with a better interest rate, or reduce your monthly mortgage payment, refinancing is like a financial reset. If you have some equity built up, I’ll review your current mortgage and goals, compare options across multiple lenders, and help you make sure now’s the best time to tap into it. Whatever your end goal, I’ll help you get there as smoothly and cost-effectively as possible.
✓ Lower your monthly mortgage payment
✓ Customize terms to match your goals
✓ Access equity for renovations
or debt payoff
I shop so you can save.
As an Independent Mortgage Broker, I help you get the best loan value and interest rate for your unique needs, so you have more cash for closing.
Once you apply, you’ll get a reliable pre-approval letter with clear, easy-to-understand numbers, so you know exactly what you can offer. I compare rates across multiple lenders to find the right loan fit and eliminate the fees that add unnecessary cost and stress. Throughout the process, I stay in touch, answer questions before you even think to ask them, and keep everyone—from your agent to the title company—on track.
From here out, you can relax knowing someone’s watching out for you and your loan every step of the way.
❋
No Lender Fees
Which can save you thousands in closing costs.
❋
Faster Closings
Barring paperwork or inspection delays, most home loans can be closed in as little as two weeks.
❋
Honest
Guidance
Through the terms, paperwork, and process, so it’s simple and stress-free.
Three steps to a smooth
homebuying experience
from first conversation to quick close.
01
Start the
process
Submit your online application below. I’ll review your details, talk through your goals, and send your pre-approval letter so you can start your home search knowing exactly what you can offer.
02
Secure your
terms
Once you’re under contract, I shop multiple investors to help you get the best interest rate and loan terms. I’m on top of every detail—both documents and deadlines—so you can move forward without delays.
03
Settle into
Home Sweet Home
Close on time with clear numbers and a new mortgage that fits your financial goals—in weeks, not months.
Starting the process takes less than 10 minutes. Tap below to find out what you qualify for. ↓
I truly care for the families behind the figures.
Less fees =
more square footage.
Keep more of your money for what really matters with a home loan experience that’s free of lender fees and full of honest guidance.