WHAT CLIENTS ASK THE MOST

Click the "APPLY" at the top of this page. Our secure online application will open in a new window. On that page, you can select the "Apply Now" at the top of the page to begin. You will be asked to create an account to follow your application throughout the process.

Because our mortgages are a form of seller financing, they have lower barriers to financing approval. If you're free from tax liens, you can meet our basic credit requirements and have sufficient down payment, we can generally make a loan work.

Guidelines can be unique for each borrower and property. Completing the initial online application is free and only takes about 10 minutes. Within 3 business days, you will be provided with an approval letter or a prequalification letter if you haven't yet selected a property.

Standard terms are a 5-year initial interest rate guarantee on a 30-year amortization. Interest rates are tied to the Wall Street Journal Prime rate plus a set markup amount. Markup amount may vary based on borrower(s) track record, borrower credit, property location and condition.

There are no pre-payment penalties on our loans.

No, mortgage insurance is not needed for our loans.

A payment estimate will be provided with your initial disclosures following the submission of your application. The initial disclosures are provided within 3 business days of us receiving your application and all required documents. Actual payment amounts are not known until the final property contract price is negotiated, a tax certificate is received and your insurance binder is received. You may use our calculator page to get a rough estimate for closing costs and monthly payment amounts for our wraparound mortgages.

1/12th of your annual property taxes and annual homeowner’s insurance will be collected and reserved for you with each monthly payment. Borrowers are required to escrow property taxes and insurance with our third party loan servicing company.

Single family residential Mostly constructed properties Multi-family rental properties (2-4 units) Town homes

We are a direct lender. We deal directly with borrowers and their realtors. We have many sources that refer business to us, but we provide financing directly to each borrower.

We extend loans between $135,000 and $1,000,000, but most of our loans are between $150,000 and $400,000. We will consider every opportunity individually based on the property specifics and borrower's credit and history.

You may finance our Funding Fee into your loan, but because our loans have almost none of the closing costs charged by a traditional lender, borrowers are required to pay the down payment and the remaining closing costs such as pre-paid interest, taxes and insurance at closing. Additionally, we do not allow for the financing of any fees paid to a 3rd party in the transaction.

Yes, we accommodate the special provisions for lending to Self Directed IRA borrowers.

No, we do not provide any financing outside of a first lien position.

The property will be transferred in the borrower’s name. Ownership will be transferred by a Special Warranty Deed with a Vendor’s Lien at closing. Loan documents will be recorded at the county clerks office and loans are secured with a Promissory Note and Deed of Trust just like a traditional mortgage

Yes, We require your entity documents and you must be in good standing with the Texas Secretary of State, but the title can be held by any legal entity.

We approve most loans within 3 business days of receiving all required information. Expect 21 days from the day you receive the loan approval to close on the property. Closings requiring less than 21 days are often possible based on the circumstances.