House keys and closing paperwork on a sunlit table

Real Estate Financing

Fund Your Future.

Q: What credit score do I need to buy a house?

While conventional loans typically require a 620 minimum, FHA loans can go down to 580 (or even 500 with a larger down payment), and VA loans often don't have a strict minimum but lenders usually look for 580-620.

Q: How much down payment do I actually need?

You don't need 20%! VA and USDA loans offer 0% down. FHA requires 3.5%, and some conventional programs allow as little as 3% down for first-time buyers.

Q: What is PMI and how do I avoid it?

Private Mortgage Insurance (PMI) is required on conventional loans with less than 20% down. You can avoid it by putting 20% down, using a VA loan, or reaching 20% equity and requesting its removal.

Q: Should I get pre-qualified or pre-approved?

Always get pre-approved! Pre-qualification is just an estimate based on what you tell the lender. Pre-approval involves verified documents and credit checks, making your offer much stronger to sellers.

Q: Does Texas offer down payment assistance?

Yes. Programs through TSAHC and TDHCA offer grants or forgivable loans toward your down payment and closing costs, with dedicated options for teachers, first responders, and veterans. Income and purchase price limits apply. Ask our lenders which programs you qualify for.

Whether you're a first-time buyer, a veteran using your VA benefits, or an investor scaling your portfolio, we connect you with the capital to make it happen.

Get Pre-Approved

Loan Solutions Compare Loans Pre-Approval Your Rate Trusted Lenders Down Payment Help Credit Report FAQ

Lending Solutions

VA Loans

0% down, no PMI, and competitive rates for our active duty military and veterans. Maximize your hard-earned benefits.

VA Loan Guide VA Calculator Adapted Housing Grants

Conventional

Flexible terms and great rates for buyers with strong credit and a down payment of 3% or more.

FHA Loans

Accessible financing with lower credit score requirements and down payments as low as 3.5%.

DSCR Loans

Investor-focused lending based on the property's cash flow rather than your personal income.

Bank Statement

Perfect for self-employed buyers. Qualify using your business or personal bank deposits instead of tax returns.

Jumbo Loans

High-balance financing for luxury properties that exceed standard conforming loan limits.

Loan Comparison

An at-a-glance breakdown of the most popular loan programs to help you find the perfect fit and maximize your purchasing power.

Loan Type	Down Payment	Credit Score	PMI	Key Advantage	Ideal For
VA Loan Government Backed	0%	580+ (Flexible)	No	No down payment & no monthly mortgage insurance	Veterans & Active Duty
FHA Loan Government Backed	3.5%	580+	Yes (MIP)	Easier to qualify with lower credit scores	First-Time Buyers
Conventional Private Loan	3% - 5%	620+	If <20% Down	Cancel PMI once 20% equity is reached	Strong Credit Profiles
Jumbo Non-Conforming	10% - 20%	680+	Varies	Finance properties above standard loan limits	Luxury / High-Balance
DSCR Investor Loan	15% - 20%	640+	No	Qualify based on property cash flow, not personal income	Real Estate Investors

Download The Ultimate Loan Guide

The Pre-Approval Process

Initial Consultation

We discuss your goals, timeline, and current financial picture to determine the best loan products for your specific situation.

Document Collection

You provide the necessary financial documents (W2s, tax returns, bank statements, or alternative income verification).

Credit Analysis

Our lending partners review your credit profile and debt-to-income ratio to establish your maximum purchasing power.

Pre-Approval Letter

You receive a rock-solid pre-approval letter, giving you the green light to shop for homes with absolute confidence.

What Sets Your Rate

National averages don't buy houses. Your rate is built from four levers, and we help you pull every one of them before you lock.

Credit Score

The biggest lever you control. Pricing improves in credit-score tiers, which is why we sometimes fix credit before we shop for a home.

Down Payment

More down generally means better pricing, and 20% ends mortgage insurance on conventional loans. VA buyers still price strong at 0% down.

Loan Type

VA, FHA, conventional, and DSCR each price differently for the same buyer. Choosing the right program is the real rate shopping.

Property Type

A single-family home you live in prices best. Condos, multi-family, and investment properties each carry their own adjustments.

Get Your Custom Rate

Trusted Lenders

We partner with the best local lenders who move fast, communicate clearly, and fight to get you the lowest rate possible.

Matthew Stansbury

REV Mortgage

Specialty: VA & First-Time Buyers

Direct: (210) 417-3043

Get Approved with Matt!

Cody Wakefield

Megamerica Mortgage

Specialty: FHA, VA & Investments

Direct: (210) 279-5036

Get Approved with Cody!

Matt Tellez

Truehold Financial

Specialty: Self Employed & Investor Loans

Direct: (210) 548-1201

Get Approved with Matt!

Down Payment Assistance

The down payment is the wall between most renters and their first home. Texas actively helps you over it, and most buyers have never heard of these programs.

Homes For Texas Heroes

Teachers, police, firefighters, EMS personnel, corrections officers, and veterans qualify for grants or forgivable loans toward down payment and closing costs through TSAHC.

My First Texas Home

The state's TDHCA program pairs down payment and closing cost help with a competitive first mortgage for first-time buyers. Repeat buyers have options through My Choice Texas Home.

They Stack With Your Loan

Assistance pairs with FHA, VA, USDA, and conventional loans. Income and purchase price limits apply and change over time, so we verify current numbers with our lenders before you shop.

Military or veteran? Your VA benefit stacks on top of these programs. Start at the Veterans hub, or ask any of our lenders above which programs fit your situation.

Know Your Score. For Free.

No hard inquiries. No hidden fees. See exactly what lenders see before you even start the pre-approval process.

Get Your Free Report

Credit Holding You Back?

A low credit score isn't a life sentence. It's just a starting point. We partner with elite credit repair specialists who aggressively dispute inaccuracies, optimize your debt-to-income ratio, and build a customized roadmap to get you mortgage-ready.

Rapid Rescoring Strategies
Derogatory Mark Disputes
Debt-to-Income Optimization
Personalized Action Plan

FIX my credit

Target Credit Score

740+

Mortgage Ready

PoorFairGoodExcellent

Late Payments

<10%

Credit Usage

Financing FAQ

While conventional loans typically require a 620 minimum, FHA loans can go down to 580 (or even 500 with a larger down payment), and VA loans often don't have a strict minimum but lenders usually look for 580-620.

You don't need 20%! VA and USDA loans offer 0% down. FHA requires 3.5%, and some conventional programs allow as little as 3% down for first-time buyers.

Private Mortgage Insurance (PMI) is required on conventional loans with less than 20% down. You can avoid it by putting 20% down, using a VA loan, or reaching 20% equity and requesting its removal.

Always get pre-approved! Pre-qualification is just an estimate based on what you tell the lender. Pre-approval involves verified documents and credit checks, making your offer much stronger to sellers.

Yes. Programs through TSAHC and TDHCA offer grants or forgivable loans toward your down payment and closing costs, with dedicated options for teachers, first responders, and veterans. Income and purchase price limits apply. Ask our lenders which programs you qualify for.

Ready to Lock It In?

Don't guess what you can afford. Get pre-approved today and start shopping with the power of a cash buyer.

Connect With A Lender