I've helped hundreds of borrowers across many industries qualify for their homes through the right programs. From first-time homebuyers to seasoned investors, I have a program for you.
National average rates, updated daily.
Call for today's rates — 832-997-1527
Who I Work With
Whatever your situation, I will find the right loan for you.
Step-by-step guidance through your first home purchase
Bank statement loans, no tax returns needed
DSCR, portfolio, and investment property loans
VA loans, $0 down, no PMI
Lower your rate or tap into your home equity
Not sure which fits? Most of my clients start with a bank statement loan when they are self-employed, a DSCR loan for a rental property, or a foreign national loan when they are buying from outside the U.S. You can compare every option on the Houston loan programs page.
Not sure which program fits your situation? This free guide walks you through the real approval paths, so you know your options before you apply.
Mortgage Calculator
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Estimates for informational purposes only. Actual rates and payments may vary.
Common Questions
Quick answers to help you get started
For most borrowers: recent pay stubs, W-2s from the last 2 years, bank statements, and a valid ID. Self-employed? I can work with 12-24 months of bank statements instead of tax returns. I will tell you exactly what is needed for your specific situation.
Most pre-approvals are ready the same day, often within a few hours. I move fast because I know in competitive markets, timing matters. Once I have your documents, I will get you an answer quickly.
Absolutely. This is one of my specialties. I offer bank statement loans that use your deposits instead of tax returns. If you have strong income but lots of write-offs, this program is perfect for you. Learn more on the self-employed mortgage Houston page.
It depends on the loan program. FHA loans can go as low as 580. Bank statement loans typically need 620+. Conventional usually requires 620-640. Even if your score is not perfect, let us talk. I often find solutions for challenging credit situations.
Có! Tôi nói tiếng Việt. I am fluent in Vietnamese and happy to explain the entire loan process in your preferred language. Feel free to call or text me in Vietnamese anytime.
A bank can only offer their own products. As a broker, I shop your loan across 100+ lenders to find you the right loan and terms. One application, multiple options. Plus, I am available 24/7, not just during banker's hours.
Ready to get started? Have questions? I am here. Reach out however works best for you.
Fill this out and I will reach out within 24 hours (usually much faster).
Rates shown are national averages from the Optimal Blue Mortgage Market Indices via the Federal Reserve (FRED), updated daily. Not a quote, offer, or commitment to lend; not a guarantee of any rate or terms. Rates change daily and are subject to change without notice. Your actual rate will vary by credit, loan amount, loan-to-value, occupancy, and program. Brandon Huynh NMLS #2522494 · Swift Home Loans NMLS #2075228 · Equal Housing Opportunity.