texas mortgage and refinance companySince 2005 we’ve helped people all over Texas buy or refinance homes.

Whether you live in Austin, DFW, Houston, or San Antonio–call us today and get our estimate.

Apply today and close at any title company you want–anywhere in Texas.

~~In addition to having  low rates, we also have the lowest fees  since we only charge a flat $500 lender fee, regardless of your loan amount.  

~~~ Most of the big banks like Bank of America, Wells Fargo or Chase, charge percentage points on a mortgage–therefore the higher your loan size, the more you pay in fees.    

Compare our rates & fees to any other Texas mortgage bank!

  • In Austin, please call 512-996-8194
  • In DFW, please call 972-325-2120
  • In Houston, please call 713-589-2244
  • APPLY HERE…and get your estimate in a few hours. 

Buying a home in Texas:    These days you only need 5% down and a 620 credit score to buy a home.  So if you have 5% down and a 620 credit score…please call us today!

However, if you have a 660+ score you can buy a home–with only 5% down–and avoid the costly avoid mortgage insurance (pmi) with our 80/15/5 mortgage, which is a 95% home loan.

What is an 80/15/5 Mortgage Loan?  80+15=95% home loan.

  • We offer 5% down home loans– up to $517,000– without PMI, with only a 660 credit score.
  • If you have a 700 credit score, we offer a 5% down loan, without PMI, to $567,000. You can avoid jumbo mortgage rates (and higher fees) by utilizing our 80/15/5 mortgage.  
  • We offer 30 year fixed rates, 15 year loans…even 10 year fixed.  However, if you’d like to place your loan on an ARM, call us about our low 10/1, 7/1 or even 5/1 ARM rates.
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