Loan Options
Conventional
Conventional loans are not backed by the government and are best for buyers with higher credit scores and low debt-to-income ratios. You can buy a home with conventional financing for as little as 3% down.
Government loans
FHA, VA, and USDA are loans backed by a government agency, ensuring the lender’s investment is secure. Each offers less stringent credit requirements, low down payments, and less cash to close.
jumbo loans
A jumbo loan is a mortgage that exceeds the conforming loan limit set by the FHFA for a given area ($766,550 in Texas). Jumbo loans are riskier for the lender. With greater risk comes higher prices and stricter requirements.
Fixed or adjustable rates
Self-employed borrowers must meet the same credit, debt, down payment, and income standards as wage-earning applicants. As long as they can prove steady, reliable cash flow, being self-employed should not stop anyone from buying a home.
down payment assistance
If you’re interested in buying a home but don’t have money for a down payment, we may be able to help. To qualify, you must have a minimum credit score of 620 and meet specific income requirements.
specialty loans
Not everyone qualifies for conventional financing. Bank statement loans, DSCR investor cash flow loans, asset qualifier mortgages, alt-doc/1099 mortgages, and more are available for those who need them.
Why Choose HelpUBuy?
Best Possible Rates
All mortgage brokers have roughly the same wholesale interest rates. They decide how much profit they want on each loan and roll it into the price. The company I work with, Innovative Mortgage, allows its Loan Officers to establish their own pricing. I’ve elected compensation that’s roughly half of what others charge. I earn a fair commission, and you get a great deal on a loan.
No Junk Fees
The reality is this: getting a mortgage involves significant costs, and anyone who tells you otherwise is dishonest. Processors, underwriters, title companies, agents, appraisers, and others all have to be paid out of the proceeds of a real estate transaction. But you won’t be charged one penny more than is required to issue your loan. I won’t try to hide fees with a bait-and-switch scheme like other lenders. I tell it like it is.
Decades of Experience
I’ve lost count of the number of buyers I’ve helped purchase a home either as an exclusive buyer’s agent or a loan officer. After 29 years in the business, I’ve seen it all, and there is literally no situation I won’t be able to handle. I’ll work tirelessly to ensure you have a top-notch mortgage experience and pay as little as possible.
One-on-One Dedicated Service
Working with me means you get your very own dedicated loan officer, not a big corporate or error-prone team member. I’ll be your point of contact from start to finish. Application through funding and beyond.
Wholesale Rates. Ultra Low Fees.