Serving North Texas borrowers since 1984Dallas · Fort Worth
Experience you can trust.
A future worth building.
More than a loan. A clear plan, honest answers, and personal guidance from first conversation to closing day.
1984Decades of real-world
mortgage experience
LocalNorth Texas guidance
PersonalDirect access to your lender
ThoroughDetails explained clearly
Family OwnedPersonal care across generations
Common mortgage programs
What does it really take to qualify?
Each program solves a different problem. These practical starting points can help you recognize which conversations are worth having.
Flexible, widely used
Conventional
Often a strong fit for borrowers with established credit, dependable income, and some savings.
3%Possible starting down payment
on certain programs
- Credit, income, monthly debts, and assets are reviewed
- 5% or more down is common
- Mortgage insurance generally applies below 20% down
- Options may exist for primary, second, or investment homes
Explore Conventional ↗
Lower down payment
FHA
Designed to offer a more flexible path when savings or credit history make conventional financing harder.
3.5%Minimum down payment
with a 580+ FHA score
- 10% down may apply with FHA scores from 500–579
- Lenders may set higher credit requirements
- Primary residence and FHA property standards required
- Upfront and annual mortgage insurance apply
Explore FHA ↗
Military benefit
VA
A valuable option for eligible service members, Veterans, and certain surviving spouses.
0%Down payment often available
for qualified borrowers
- Certificate of Eligibility and lender approval required
- The home must generally be your primary residence
- No monthly private mortgage insurance
- A one-time VA funding fee may apply
Explore VA ↗
Eligible rural areas
USDA
Not just for farms—many qualifying communities outside major urban centers may be eligible.
0%Down payment possible
when program rules are met
- The property address must be USDA-eligible
- Household income must fit current area limits
- The home must be your primary residence
- USDA upfront and annual program fees apply
Explore USDA ↗
Higher loan amounts
Jumbo
Used when the needed loan amount exceeds the conforming limit for the property’s county.
Limit+Financing above the current
county conforming limit
- Credit and down-payment standards are lender-specific
- Cash reserves commonly receive closer review
- Income, assets, and debts require thorough documentation
- Comparing complete scenarios is especially important
Explore Jumbo ↗
Investor-focused financing
DSCR Loans
Designed for real estate investors, with qualification centered primarily on the property’s expected rental cash flow.
DSCRProperty income helps support
loan qualification
- Available for qualifying investment properties
- Expected rent and property expenses receive close review
- Down payment and reserve requirements vary by lender
- Rates, fees, and documentation may differ from conventional loans
Explore DSCR ↗
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