A bank with one product will tell you about that product. Supreme Lending hands me more than 66, which changes the question entirely: not "do you qualify," but "which of these fits your life best." I listen first, match second, and never sell the easy one over the right one. Here is the whole shelf in plain English.
Tell me your situation, 60 seconds →The loan most homeowners are made with. Strong credit gets rewarded, the 20% down idea is a myth you are free to ignore, and the mortgage insurance is removable once you build equity. First-time buyer options like HomeReady and Home Possible drop the entry bar even lower.
See if conventional fits you →Built for the comeback. Government-insured, forgiving on credit history and debt load, and patient with savings that are still growing. Start here now, and when rates move your way later, the streamline refinance is one of the fastest moves in the business.
FHA or conventional? Read the honest comparison →You earned this one. Zero down, no monthly mortgage insurance, competitive rates: often the strongest loan in the building. I handle the entitlement math and the paperwork, because you should not have to fight for a benefit you already paid for.
Check your VA path →The best-kept zero-down secret in the outer ring. More addresses around DFW qualify than people expect, but eligibility is decided address by address and income-capped. Before you assume you need a down payment, let me run yours. It takes minutes.
Buying out east? Rockwall area loans →When the house outgrows standard loan limits, jumbo takes over. I carry multiple jumbo programs with different credit and reserve rules, which is why a "no" from one bank is an opinion, not a verdict.
Shopping Frisco and the 121 corridor? →The property qualifies, not your tax return. Rental income carries the file, your W-2 stays out of it, and there are options for short-term rentals. Built for investors who would rather scale the portfolio than explain it.
Run your next rental by me →For everyone whose tax return undersells the truth. Bank statement programs, profit-and-loss qualifying, asset-based options, ITIN borrower programs. You built a real business; there is a loan that respects how you actually earn.
Tell me how you earn →Buy the ugly house on the best street, on purpose. Purchase plus renovation in one loan, FHA 203(k) or conventional HomeStyle, plus one-time-close construction options. The block's eyesore becomes your equity play.
Pencil out a project →Real Texas programs that cover part of the cash to close for eligible buyers. Two honest warnings: funds can run out, and the fine print matters. I will tell you straight whether assistance genuinely helps your deal or just dresses it up.
Ask what you qualify for →Your equity is just sitting there, and using it does not have to cost you your current rate. Pull it for improvements, consolidation, or a bridge between homes, with a line or fixed second lien sized to the plan, not to the maximum.
Run your numbers first →Good. Picking the program is my job, not yours, and I have done it a few hundred times. Start with the form or start with a phone call, either road ends in the same place: you, knowing your real options, your likely payment, and your next step. No credit pull. No obligation. No pitch.
Show me where I stand →