Loan programs for buyers in Texas and Florida.
A clear breakdown of every program I work with — conventional, FHA, VA, jumbo, self-employed, and first-time buyer options.
Financing to buy your next home — first purchase, move-up, jumbo, or a second home.
Conventional
The most widely-used residential loan in the country. Flexible on property type, competitive on overall cost, and available as low as 3% down for qualified buyers.
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FHA
Backed by the Federal Housing Administration. Lower down payment, flexible credit guidelines, and broadly available to first-time and repeat buyers.
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VA
Benefits-backed financing for eligible service members, veterans, and surviving spouses. No down payment required for qualifying borrowers.
ExploreVA Jumbo
The VA benefit, scaled up. Finance a higher-value home with the strengths of a VA loan — often little to no down and no monthly mortgage insurance.
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Jumbo
Financing for loan amounts above conventional conforming limits. Built for higher-value purchases in Texas and Florida markets where conforming caps fall short.
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First-Time Buyer
Buying your first home in Texas or Florida. Conventional, FHA, and down payment assistance options — built for buyers new to the process.
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Second Home
Finance the lake house, beach condo, or getaway — with better terms than an investment property.
ExploreLower your rate, shorten your term, or turn your home's equity into cash.
Refinance
Lower your rate, change your term, drop mortgage insurance, or take cash out of your equity — when the numbers actually work.
ExploreCash-Out Refinance
Turn your equity into cash — for debt consolidation, home improvements, or your next investment.
ExploreVA IRRRL
Already have a VA loan? Lower your rate the fast, low-cost way — usually with no appraisal and no income documentation.
ExploreVA Cash-Out Refinance
Tap your equity with the power of the VA benefit — often at a higher LTV than conventional, with no monthly mortgage insurance.
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HELOC
Tap your home's equity as a flexible line of credit — without touching the first mortgage and rate you already have.
ExploreFlexible, alternative-documentation loans for the self-employed, investors, and non-traditional income.
Self-Employed
Bank-statement and alternative-documentation loans for 1099 contractors, freelancers, and business owners. Qualify with deposits instead of tax returns.
ExploreBank Statement
Qualify on your deposits, not your tax returns. Built for self-employed and 1099 borrowers whose write-offs hide their real income.
ExploreAsset Depletion
Qualify on your assets, not your income. Built for retirees and high-net-worth buyers who are asset-rich but income-light on paper.
ExploreCrypto-Backed
Put your digital assets to work. Use bitcoin and other crypto as reserves or a down-payment source without liquidating everything.
ExploreRSU
Get credit for your full compensation. Use restricted stock unit (RSU) income to qualify — not just your base salary.
ExploreRetirement
Retiring doesn't mean you can't get a mortgage — it just changes how you qualify. Use your retirement income and assets.
ExploreTailored programs for high-earning professionals and those who serve.
Physician
Built for doctors — low or zero down, no PMI, and student loans counted the way they should be.
ExploreProfessional
Doctor-loan-style benefits for high-earning professionals — low down payment, no PMI, and student debt handled realistically.
ExploreCPA
Professional-loan benefits built for accountants — low down payment, no PMI, and smart handling of student and business debt.
ExploreAttorney
Built for lawyers — low down payment, no PMI, and law-school debt handled realistically alongside your earning power.
ExploreHero
A thank-you to those who serve. Favorable terms and cost savings for first responders, healthcare workers, teachers, and military.
ExploreBuy Before You Sell
Move on your next home without waiting to sell first — and make a stronger, non-contingent offer.
ExploreMost buyers don't know which program is right — that's my job.
Tell me where you are and I'll walk you through the programs you actually qualify for. No pressure, no application required to start.