How much do I need for a down payment?
As little as 0% for VA and USDA, 3% for many first-time-buyer conventional programs, and 3.5% for FHA. Down payment assistance can further reduce the out-of-pocket amount for qualifying buyers.
What credit score do I need?
Program minimums range from 580 (FHA) to 620 (Conventional). Best pricing typically starts at 720+.
How long does closing take?
Typical Texas purchases close in 21–30 days from contract. Cash-out refinances usually run 30–40 days.
Can I get pre-approved before I find a house?
Yes — and you should. A written pre-approval tells sellers you're real and tells you your budget.
Do you work with self-employed borrowers?
Yes — extensively. Bank statement, P&L-only, DSCR, and asset-based programs are core to the practice.
Can I use gift funds?
Yes, on most programs. We'll provide a compliant gift letter and walk your donor through what to send.