Patriot Bank Mortgage
Denese Weems is one of my favorite all purpose loan originators. She provides low cost mortgage origination and excellent service.
Principle Mortgage Group
Buddy Estrella is especially good with Investor Loans and New Construction Loans. He can also do State Bond Money Loans and USDA 100% Loans.
Envoy Mortgage
Tommy Xintaris providing Conventional, FHA, Jumbo, and VA loans throughout Texas.
Josh Kohl for Jumbo Mortgages, Austin Condo Loans and USDA 100% Loans.
- Envoy Mortgage is a Direct Fannie Mae Endorsed Bank.
- Have a Paperless loan process with our E-Sign technology.
- Have In-House underwriting and processing, which allows us to have control of our loan process from mortgage pre-approval all the way to closing.
First Capital Commercial Finance
First Capital Commercial Finance is a nationwide asset-based lender, commercial mortgage banker and broker specializing in placing non-bank financing for real estate investors, entrepreneurs, property owners, builders and developers. They also offer specialized consulting services for clients needing more complex financing strctures and equity placements.
Capital Farm Credit
Capital Farm Credit is a customer-owned cooperative, providing financing to rural landowners, country homeowners, agricultural operators and agribusiness firms throughout Texas. It is the state’s largest cooperative rural lender.
Neighborhood Assistance Corporation of America
NACA is a non-prifit HUD certified credit counciling agency that provides a 30 year fixed mortgage program with no money down and zero closing costs. The applicant has to jump through lots of hoops but if this is the only way you can buy a house, it may be worth it.
USDA Rural Development Direct Loan Program
This is a 100% financing (NO DOWNPAYMENT), no Mortgage Insurance, government subsized loan program! Under the Direct Loan program, individuals or families receive direct financial assistance from the Housing and Community Facilities Programs in the form of a home loan at an affordable interest rate. The payment is subsidized based on the buyer's adjusted gross income and number of household members. Payments can be reduced to a level that would be equal to a Principal and Interest payment as low as 1% interest rate, plus property taxes and home owners insurance. These loans have no Mortgage Insurance. The subsidy amount is recalculated each year but the payment can never go higher than the full market rate at the time the home was purchased.
Due to high demand, it is now taking 4-6 months to process these loans. Unfortunately, funding isn't always available for these loans, so sometimes buyers have to wait until funding is available. Once funding becomes available you have to move quickly to find a home that is located in an eligible area for this program.
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