Houston, TX · NMLS# 667008
Licensed in Texas with over 20 years in lending. I help Houston-area buyers and homeowners with purchase, refinance, VA, FHA, new construction, and self-employed loan options.
Questions first? Call (520) 495-8989
Applying online is not a commitment to lend or a guarantee of approval. Terms subject to credit approval and underwriting.
Loan programs
First-time and move-up buyers. Compare conventional, FHA, and VA options side by side.
Zero down options for eligible veterans and active duty families.
Flexible credit guidelines and 3.5 percent minimum down payment.
Lower your rate, change your term, or tap equity when the numbers work.
Build or renovate with a loan designed for the project.
Documentation options beyond traditional tax returns.
Process
Where I lend
Houston · Katy · Cypress · Sugar Land · The Woodlands · Pearland
Read what clients say on my Experience.com reviews, or see the mortgage calculator.
FAQ
Yes. I am licensed in Texas, Arizona, and California through Neighborhood Loans. You can verify NMLS 667008 at nmlsconsumeraccess.org.
Yes. I help buyers and homeowners in Houston and across Texas, including the surrounding Houston-area communities.
Texas has its own home equity rules, often called a Texas 50(a)(6) loan, with specific limits and waiting periods. I will explain how the rules apply to your home before you decide.
Conventional loans can start as low as 3 percent down for qualified buyers, FHA starts at 3.5 percent, and VA loans can allow zero down for eligible veterans.
Often, yes. There are documentation options beyond traditional tax returns depending on your situation. Let us review your scenario together.
Yes. I can help you compare builder incentives against outside financing and walk through construction loan options.
