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Transparent Pricing. Fast Closings.

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  • No documents required.
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  • Purchase

    30-Year Fixed

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    15-Year Fixed

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    30-Year Fixed FHA

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    30-Year Fixed VA

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    30-year & 15-year conventional, purchase, 780 credit, $575,000 sales price, $460,000 loan amount
    VA 30-year, purchase, 780 credit, $575,000 sales price, $575,000 loan amount
    FHA 30-year fixed, purchase, 680 credit, $475,000 sales price, $458,375 loan amount

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    Lower Rate Guarantee

    As a licensed Texas mortgage broker, we have access to dozens of wholesale mortgage lenders to find you the best deal.

    Our system quickly comparison shops, delivering the best live pricing results in under a minute—saving you hours of manual searching.

    We are so confident in our mortgage pricing that if you find better, we’ll beat it by $500 or pay you $500.

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    On-time Close Guarantee

    Ask any Realtor and they’ll confirm that great rates mean nothing if you don’t close on time. If a sales contract expires without closing, it can cost money and you’re at the mercy of the seller.

    If your lock expires, you might lose the rate or pay fees to extend it.

    Our team specializes in fast closings and most of our closings are clear to close in 15 days, or less.

    We are so confident in our ability to close on time that if we don’t, we’ll pay $1,500.00, which helps make your offer stand out.

    What Influences Your Mortgage Interest Rate and Monthly Payment?

    These factors impact the mortgage interest rate you receive and your monthly payment. Click on each topic to discover more information.

    Your credit score typically has the most significant impact on the interest rate you qualify for. The higher your credit score, the more likely you are to receive lower interest rates. Our loan experts are skilled in analyzing your credit and can provide quick tips to help boost your score, ensuring you qualify for the best possible rate.ttis.

    Rates matter, but they’re just one part of your total financing costs. Keep in mind, lenders might offer lower interest rates at the cost of higher fees, and they might not always make this clear. Sometimes, paying more upfront for a lower rate can work out, but it’s crucial to be cautious. You’ll want to carefully consider all the fees, understand how much the lower rate saves you each month, then calculate how long it takes to recoup any extra upfront costs. By doing so, you can make a savvy decision that genuinely benefits your finances. Our team will provide you with three financing options and work alongside you to identify the best choice for your specific goals and situation.

    We offer a broad range of loan programs to ensure you receive the best financing options available. Conventional loans are an excellent choice if you have a high credit score. For those with lower credit scores or more debt, FHA loans may provide better interest rates. Veterans can benefit from VA loans, which offer fantastic rates and low down payments. Additionally, we have special programs tailored for first-time homebuyers, landlords, investors, and higher-priced homes. Our experienced mortgage professionals will explore various programs to guarantee you secure the best rate and terms tailored to your unique needs.

    Down payments can be as low as 1% of the purchase price. The minimum down payment required from you will depend on factors such as your income, location, and whether you’re a first-time homebuyer. The amount you choose to put down can influence the program, interest rate, and mortgage insurance costs available to you. We’re here to help you find your best options!

    In addition to the key factors already highlighted, it’s important to remember that your home’s price, the loan amount, your debt-to-income ratio (how your monthly debt stacks up against your income), the length of your repayment period, your mortgage insurance premium (if down payment is less than 20%) and prevailing market conditions can significantly impact your mortgage interest rate and payments. Our expert team specializes in strategically structuring loans to ensure you receive the most advantageous mortgage rates and costs. Let us help you make your dream home more affordable.

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    No Lender Fee Refinances

    Secure your peace of mind for the next 3 years! If rates fall, we’ve got you covered with a no-lender fee refinance.

    Say goodbye to origination fees, underwriting, processing, and admin fees. While there are still third-party fees like title, you could save an average of $1500, based on typical Texas lender fees.

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    Our Amazing Team

    The most important asset to our company, is our people. Our team was built with you as our focus.

    Bobby Welch Headshot

    Bobby Welch

    Mortgage Broker
    NMLS#: 1052802
    Aaron Williams Headshot

    Aaron Williams

    Mortgage Broker
    NMLS#: 1269821
    Spencer Comstock Headshot

    Spencer Comstock

    Sr. Loan Coordinator
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