Five Loan Programs

One Advisor.
Every Type of Borrower.

From complex specialty loans most brokers can't place to FHA, VA, and USDA programs for first-time buyers — we handle the full range with the same direct, no-pressure approach.

Investment Property Financing

DSCR Loans — Qualify on the Property, Not Your Tax Returns

Debt Service Coverage Ratio (DSCR) loans are the preferred tool for real estate investors who are building a portfolio but whose personal tax returns understate their actual income. Qualification is simple: if the property's rent covers the mortgage payment, you likely qualify.

No personal income verification required — rent rolls do the work
Ideal for investors with multiple properties or aggressive write-offs
Single-family, multifamily (up to 10 units), short-term rentals
Available for purchase, refinance, and cash-out
LLCs and entity-owned properties accepted
Close in as few as 21 days with full documentation

Ask About DSCR Rates →

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DSCR Qualification Snapshot

Typical program parameters

1.0xMin DSCR Ratio

75%Max LTV

680+Credit Score

$100K+Min Loan

Who This Is For Real estate investors scaling a rental portfolio, house hackers, Airbnb/VRBO owners, and anyone whose W-2 doesn't reflect their investment income capacity.

International Buyer Financing

Foreign National Loans — No U.S. Credit History Required

Buying Texas real estate from abroad — or as a non-permanent resident — requires a lender who understands international documentation and foreign asset verification. Most banks simply don't have this program. We do.

No Social Security number or U.S. credit history required
Foreign income and foreign bank statements accepted
ITIN borrowers welcome
Buyer does not need to be present at closing
Investment and vacation properties eligible
Strong relationships with buyers from Mexico, Latin America, Europe, and Canada

Discuss Your Purchase →

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Foreign National Snapshot

Typical program parameters

30%Min Down Payment

$150K+Min Loan

ITINAccepted

RemoteClosing OK

Who This Is For Non-U.S. citizens purchasing Texas investment property, vacation homes, or relocating families — particularly buyers from Mexico, Latin America, and Canada.

Non-QM Income Documentation

Self-Employed Loans — Qualify the Way You Actually Earn

Business owners and independent contractors maximize deductions on their tax returns — which is smart tax strategy but a nightmare for conventional mortgage qualification. Our bank statement and P&L programs use your actual cash flow to qualify you.

12 or 24 months bank statements in lieu of tax returns
Personal or business bank statements accepted
CPA-prepared P&L letters accepted
Asset depletion / asset-based qualification available
1099-only income accepted for freelancers and contractors
Primary residence, second home, and investment property eligible

Check Your Options →

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Self-Employed Snapshot

Typical program parameters

12moMin Bank Stmts

680+Credit Score

90%Max LTV

$3M+Max Loan

Who This Is For Business owners, freelancers, gig economy workers, real estate professionals, consultants, and anyone who writes off enough to show low taxable income on paper.

Builder & Ground-Up Financing

Construction Loans — From Lot to Certificate of Occupancy

Local Houston-area builders need a financing partner who understands draw schedules, construction timelines, and lender relationships specific to this market. We place both spec-build loans for builders and owner-builder construction-to-permanent loans.

Ground-up residential construction for local builders
Lot acquisition and land loans
Construction-to-permanent single-close loans available
Draw-based funding tied to inspection milestones
Spec homes and custom owner-occupied builds
Serving Kingwood, Humble, Spring, Porter, and The Woodlands

Talk to Al About Your Build →

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Construction Loan Snapshot

Typical program parameters

80%Max LTC

12moTypical Term

LocalHouston Area

DrawsMilestone-Based

Who This Is For Local Houston-area builders, developers, and owner-occupants building their primary residence — particularly in the Kingwood, Humble, Spring, and Woodlands submarkets.

FHA · VA · USDA · Conventional

First-Time & Conventional Buyers — Low & No Down Payment Programs

We also serve first-time buyers, veterans, and low-down-payment purchasers through FHA, VA, and USDA programs. Our specialty clients refer family and friends — and we want to be their broker too. Same direct access, same no-pressure approach, across all of Texas.

FHA loans — 3.5% down, flexible credit requirements
VA loans — zero down for eligible veterans and active duty
USDA loans — zero down for eligible rural and suburban areas
Conventional 3% down programs for qualified buyers
Down payment assistance programs where available
Available statewide across all of Texas

Check Your Options →

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First-Time Buyer Snapshot

Common program parameters

0%VA / USDA Down

3.5%FHA Min Down

580+FHA Credit Score

TexasStatewide

Who This Is For First-time homebuyers, U.S. veterans, active-duty military, buyers in rural or suburban Texas, and anyone who wants a low or no down payment path to homeownership.

Free, No-Obligation Consultation

Ready to Talk Through Your Scenario?

Every loan situation is different. Send me the basics and I'll give you a straight answer on where you stand, what program fits, and what rates and terms look like today.

No sales pitch. No call center. You get me — 37+ years, direct access, same day response on most inquiries.

✅ No obligation

✅ Direct access to Al

✅ Responds within 1 business day

📞 281-798-5655

Send Your Scenario

The more detail, the better the answer I can give you.

One Advisor.Every Type of Borrower.

DSCR Loans — Qualify on the Property, Not Your Tax Returns

DSCR Qualification Snapshot

Foreign National Loans — No U.S. Credit History Required

Foreign National Snapshot

Self-Employed Loans — Qualify the Way You Actually Earn

Self-Employed Snapshot

Construction Loans — From Lot to Certificate of Occupancy

Construction Loan Snapshot

First-Time & Conventional Buyers — Low & No Down Payment Programs

First-Time Buyer Snapshot

Ready to Talk Through Your Scenario?

Send Your Scenario

One Advisor.
Every Type of Borrower.