Mortgage Resources

Mortgage Resources

Loan Options

Finding the perfect home loan can be overwhelming, and we don't want you to feel lost in the process. That's why we offer a range of well-lit loan options to guide you on your journey.


Whether you're a first-time homebuyer or facing credit challenges, our mission is to empower individuals like you, helping you unlock your financial potential and achieve your homeownership dreams.

Construction Loans

Are you looking to build your dream home? Construction loans offer a flexible and convenient way to fund the construction of your new house. Here's a breakdown of key details:


  • VA One Time Close Construction Loans
  • Zero Down Construction Loans
  • FHA Construction Loans
  • Expert guidance from Steve Placker, your Texas mortgage specialist
  • And more!

Discover the construction loan that suits your needs and take the first step toward building your dream home.

Learn More About Construction Loans

Conventional Loans

We're here to make your homeownership dreams a reality. From first-time buyers to experienced homeowners, our range of conventional loan options caters to a wide spectrum of qualified borrowers.


  • Only a 3% down payment required
  • Minimum credit score of 620

Discover the right conventional loan for you and start your journey toward owning your dream home.

USDA Loans

The USDA home loan program collaborates with lenders to facilitate homeownership for low and moderate-income families in rural areas. By providing affordable homeownership opportunities, we contribute to prosperity, thriving communities, and an improved quality of life in rural regions.


  • Ideal for first-time homebuyers
  • No down payment required
  • Minimum credit score of 620
  • Offers low fixed rates
  • Features low monthly mortgage guarantee fees

Explore how the USDA home loan program can help you realize your dream of rural homeownership.

VA Loans

Your military service can lead you to your dream home. VA loans are an exceptional option designed to assist active military and veterans in achieving homeownership.


  • Perfect for active military and veterans
  • No down payment required
  • Minimum credit score of 620

Discover how VA loans can help you secure your dream home.

FHA Loans

We're committed to making homeownership accessible and affordable for everyone. The FHA loan is an excellent product that empowers many individuals to become homeowners, especially those without perfect credit or substantial down payments.


  • Ideal for first-time homebuyers
  • Requires just a 3.5% down payment
  • Minimum credit score of 600
  • Up to 6% seller's assistance available

Explore the benefits of FHA loans and take the first step towards owning your dream home.

Items Needed for Pre-Approval

Before you begin the pre-approval process, ensure you have these documents ready for a smoother experience.


Essential Items:

  • W2s from the last two years
  • 1040 Federal Tax Returns from the last two years (all pages)
  • Business tax returns and K1s (for business owners only)
  • 2 most recent paystubs
  • 2 months of recent statements for all assets (checking, savings, money market, retirement, etc.)
  • Driver's license or passport


Additional Documentation (as needed):

  • Offer letter for employment
  • School transcripts
  • Social security or pension award letters
  • Divorce decree
  • Bankruptcy papers
  • Short sale documentation


Preparing these documents in advance will help expedite your pre-approval process.

Calculate Your Monthly Payments

Have you ever been curious about what your monthly mortgage payment might be on a future home? Check out our great mortgage calculator tool to help start the conversation about homeownership!

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