Unlock Your
Buying Power
Helping Texans navigate home financing with confidence, clarity, and creative mortgage solutions.
A finance background.
A relationship-first approach.
Solutions that actually close.
Before mortgages, Mike Keys built a career in finance — where numbers had to be right and clients had to be heard. He brings that same discipline to every file: fast communication, creative structure, and a plan you can actually understand.
First-time buyers. Move-up families. Investors building a portfolio. Self-employed Texans whose tax returns don't tell the whole story. Whatever the path, the goal is the same: unlock the opportunity in front of you.
deserves a lender
who answers the phone."
Nine ways to unlock the door.
From first-time buyers to seasoned investors — the right structure for your file, not a one-size product.
Conventional
The classic path to ownership — flexible, fast, and competitive.
FHA Loans
Low down payment, forgiving credit — ideal for first-time buyers.
VA Loans
Earned by service. Zero down, no PMI, exceptional terms.
USDA Loans
100% financing for eligible rural and suburban Texas homes.
Bank Statement Loans
Qualify on deposits — built for self-employed Texans.
DSCR Loans
Qualify on the property's income. Grow a portfolio without W-2s.
Non-QM Loans
Creative structures for borrowers outside the traditional box.
Down Payment Assistance
Programs that help Texans get to the closing table sooner.
Commercial Financing
Multifamily, mixed-use, and commercial acquisitions across Texas.
A partner who moves at the pace of your life.
Fast, direct communication
Real answers, quickly. No portal hide-and-seek — you'll always know where your file stands.
Creative financing
When the standard box doesn't fit, we structure around it: Non-QM, DSCR, bank statement, bridge.
Personalized strategy
Every file starts with your goals — not a product menu. The loan should serve the plan.
Texas expert
Every market in the state — Houston, Dallas, Austin, San Antonio, Fort Worth and everywhere between.
Responsive service
Nights, weekends, closing day. The moments that matter most rarely happen 9-to-5.
Relationship first
Most of my business comes from repeat clients and referrals. That's the standard.
See the number before you fall in love with the house.
The measure is how it felt to close.
Mike made our first home feel achievable. He answered every question, at every hour, and delivered.
As a self-employed borrower, I'd been turned down twice. Mike found a bank statement structure that worked.
Our fourth investment property with Mike. DSCR done, on time, at the number we needed.