How do I get pre-approved for a mortgage?

Getting pre-approved starts with a quick application where we review your income, credit, and financial documents. Pre-approval helps you know your budget and shows sellers you are a serious buyer.

Can I refinance my current mortgage?

Yes. Refinancing may help you lower your interest rate, reduce your monthly payment, or tap into home equity. We offer Conventional, FHA, and VA refinance options in Houston and across Texas.

Do you help first-time homebuyers?

Yes. We specialize in helping first-time buyers with FHA, VA, and Conventional loans that offer flexible credit guidelines and low down payment options. We also guide you through the process step by step.

What is a Jumbo Loan?

A Jumbo Loan is used to finance homes that exceed conforming loan limits. These loans are designed for higher-priced properties and may require a stronger credit profile and larger down payment.

What are the credit score requirements for FHA loans?

FHA loans require a minimum credit score of 580 with 3.5% down, or as low as 500 with 10% down. Borrowers must also show no late payments in the last 12 months.

Do VA loans require a down payment?

VA loans typically require no down payment and offer flexible credit requirements. They are available to veterans, active-duty service members, and eligible surviving spouses.

A DSCR loan, or Debt Service Coverage Ratio loan, is designed for real estate investors. Instead of using personal income, it qualifies based on the cash flow of the investment property.

What is a Bank Statement Loan?

Bank Statement Loans are ideal for self-employed borrowers who may not have traditional income documentation. Instead of tax returns, these loans use 12 to 24 months of personal or business bank statements to verify income.

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Rick Carrier Branch Manager | Loan Officer

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Rick Carrier

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Monthly Payment