Our Mission Statement

"Accountable. Experienced. Always Available."

As a professional Mortgage Consultant and Advisor with over 9 years of financing experience, I

am here to offer you a personalized financial strategy, not just a generic mortgage program.

The mortgage we will plan together will be based on your unique situation, your attitude and

preferences, and most importantly, your financial goals. It will be designed to account for

change, both in the market and in your daily life.

As we move along the process, my mission is to help you make informed decisions through

professional advice, individualized planning, sound risk management, and personal, efficient service.

My approach to residential financing is simple and straightforward:

To make things as simple as possible, and to make everyone involved happy.

Rest assured that each and every decision we make together will be focused on achieving the results that YOU want.

The services I guarantee to provide YOU:

Trying to find the right home loan can be difficult. Finding the right company to help you get your loan can be even more confusing. With literally thousands of lenders to choose from, borrowers can easily become overwhelmed. See why people like YOU choose US!

Fortunately, at TexasVeteransHomeLoan.com, our mission is to set a high standard in the mortgage industry. We are committed to quality customer service - putting the people we serve first. Take advantage of our expertise in the residential lending industry by applying online today (hyperlink please to app page).

You will find that the skill, professionalism, and consideration we give to each of our clients make getting your loan a successful endeavor.

Give us a call today at 832-212-6969 for a free, personalized consultation. You can also apply online. It is fast, secure, and easy.

Why wait? Let us go to work for you!

While many people deciding on a loan product rely exclusively on their lenders recommendation, you should understand the basic difference between a VA loan and a Conventional Loan. The term Conventional Loan includes all loans under the current FNMA and FHLMC lending limits.

Most people that have heard of VA loans tend to associate them with purchase money transactions. While purchases are the most common use, VA loans are also available for rate and term refinance loans as well as Cash Out refinances in some states.

The main advantage of an VA vs. Conventional loan is that the credit qualifying criteria for a borrower are not as strict as conventional loan financing and the down payment or Equity requirements are less. In comparing a purchase money VA loan against a Conforming or A paper loan, the VA loan will generally have a lower payment. VA loans will allow the borrower who has had a few "credit problems" or those without a credit history along with those with great credit to buy a home. A VA Underwriter will require a reasonable explanation of derogatory items, but will approach a person's credit history with common sense credit underwriting. Most notably, borrowers with extenuating circumstances surrounding bankruptcy that was discharged 2 years ago can be approved for maximum financing. Conventional A Paper financing, on the other hand, would require 4 years to have passed to be eligible for consideration.

If a borrower does have past credit issues a VA loan may have a significantly lower rate than the alternative conventional loan. Conventional programs generally have higher interested rate of require a larger down payment or Equity position. Many of these alternative loan products have Pre Payment penalties where as a VA loan do not have such penalties. In fact VA mortgages can be easily refinanced under the VA Streamline refinance program.

Even though VA charges an initial funding fee starting at around 2%, it is financed into the loan and because of this, you will have no PMI.

Conventional financing does not require an upfront mortgage insurance premium when a borrower closes on the loan. With VA mortgage financing, the first use of a VA loan has an initial fee of 2.15%. This fee is not charged by Conventional Mortgages, however, you will pay much, MUCH more in the long run by possibly having PMI and a higher interest rate. Plus, it is wrapped into the mortgage so you do not have to come up with it out of pocket.