Foreign National Program without:
Residency, Social Security or Income in the US
All Government Programs
First-Time Buyer, Rural and Veterans Programs
Ask us about our program
To improve your credit scores...
Starting with only...
580 Credit Scores!!!
Don't worry and submit your information
We will help you.
Contact us to analyze your options.
Don't worry and submit your information
We will help you.
Upto 90% financing for
Purchases of up to $830,000.
USDA Loans for moderate income Families
0% down payment - 100% financing
Here’s how you can be sure to be ready to buy your dream home in the year 2022! Searching for the best mortgage lender in houston or real estate professional is not an easy task. Below are some of our best tips that you can use to efficiently plan out your home purchase:
1. First and before even begin searching for homes, you need to make sure that you check your credit scores. Keep in mind well known and heavily advertised online companies offering your scores are often misleading as scores are just estimates, not the Tri-Merge Scores used in the mortgage banking industry. Your credit score is crucial towards you being approved for a home loan since the lender takes a close look at not only your income, assets or employment history but also your middle credit score. Search for a lender which will allow you purchase a copy of Tri-Merge credit score so you don’t have to pull credit at several institutions to obtain a quote.
CONGRATULATIONS HOMEOWNERS 
2. Second and no matter how appealing the thought of buying anything new might seem to be at that moment specially during the holidays, our recommendation is to wait. Doing so may eliminate your chance to purchase a house for another 2 or 3 more years. Buying on credit even with the stores’ promise of delayed future payments, the balance of your purchase and its monthly payment show up almost immediately under your credit report. So, if your desire is to become a home owner consult first with us whether your intended future purchases will affect your qualification chances.
3. Third save money at closing by asking your loan officer about available special incentive programs from preferred real estate agents and/or brokers which may help you save in some cases even $2,500 which you would need to otherwise pull from your pocket. Only one question may get you enough money to buy brand new appliances for free!
4. Be humble and loyal once you chose the lender and/or real estate professional you feel gives you best value after your complete a thorough research about market options. Buying a house is almost a full-time job for a brief period of time. In certain occasions, buyers’ bossy attitudes may discourage loan officer and/or real estate agents from going the extra mile searching incentives they could have obtained if had a nicer and humble attitude.
5. Last but certainly not the least, always research for the best mortgage lender in Houston and/or real estate agents offering best value. We cannot stress on the importance of this because as a homebuyer, there are a lot of things that you might not be aware of, therefore getting an agent who is trustworthy, informative and reputable is key!
FROM GOOGLE: We were first time buyers and did not know how much work it was when purchasing a new home but Joan went above and beyond to get us into our dream home. He educated us on the process, kept us up to date with our account, made himself available day or night if we had questions and was very patient with us. He made an experience that can be tiresome as smooth as possible. Our family is forever grateful for all his hard work and we will definitely refer him and this company to our friends looking to purchase a new home.
FROM GOOGLE: I wanted to thanks Mr.Joan and his staff for everything! Rolando and I are veryyy happy. Thank you for being so patient and for always be there and help us with our new home, Patricia is just the best also she was always there whenever I had any question, and they will always have an answer for it. Thanks again for everything.
They were organized, fast, communicative, transparent and customer friendly. All this qualities contributed to me closing earlier than anticipated plus they got the best rates and no junk fees. I will be coming back to refinance plus refer them my family to them. Special thanks to Joan and Patricia for being available at all times.
