Are you ready to become a homeowner?
We specialized in first-time homebuyers, second homes, investments, and other loan products. My two decades of experience will ease your worries. Inquire about the best home loan programs in Texas that we can offer.
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Ready to apply? Click "Apply Now" to start the process
Because It’s Time To Seek Financial Assistance From an Expert
Down-payment Assistance
Inquire now for the assistance program
Fixed-rate Loans
Fixed-rate conventional mortgages
Specialty Loans
ITIN, Non-QM Loans
Hablamos Español
De nemos expertas que su idioma
Whatever the case may be, it's best that you inquire and talk to me. Let's see how I can help you and explore your options.
What are the Common Loan Programs?
Inquire for the best loan options that you can get.
FHA Home Loan
FHA home loans are mortgages which are insured by the Federal Housing Administration (FHA), allowing borrowers to get low mortgage rates with a minimal down payment.
VA Loans
The VA Loan provides veterans with a federally guaranteed home loan which requires no down payment. This program was designed to provide housing and assistance for veterans and their families.
USDA Loans
If you're looking to buy a home in a rural or suburban area with no down payment and minimal investment, you might consider the USDA Rural Development Loan.
Jumbo Loans
Jumbo Loans are used to finance properties that are too expensive for a conventional conforming loan. There's maximum amount for a conforming loan as determined by the Federal Housing Finance Agency (FHFA).
With me, there's no compromise.
2 Decades of experience
As an experienced loan officer in Texas, you can count on me to guide you through the mortgage process. Whether you are a first-time homebuyer, a current homeowner wanting to refinance an existing mortgage or add an investment property to your rental portfolio, my focus is on providing a five-star customer experience. Texans Mortgage Group - powered by Barrett Financial offers competitive interest rates and a wide range of loan products from fixed-rate conventional mortgages to FHA, VA, Jumbo loans as well as down-payment assistance programs.
NMLS# 262973 Co. NMLS #181106
No-hassle loan applications
Step-by-step guide in closing your loans
Home buying journey in 5 simple steps!
01: Find Out How Much you can Borrow
The first step in obtaining a loan is to determine how much money you can borrow. In case of buying a home, you should determine how much home you can afford even before you begin looking. By answering a few simple questions, we will calculate your buying power, based on standard lender guidelines.
02
: Select the right loan program
Home loans come in many shapes and sizes. Deciding which loan makes the most sense for your financial situation and goals means understanding the benefits of each.
03
: Apply for a loan
After figuring out which loans is the most beneficial for you. You can go ahead and start the application process.
04
: Begin loan processing
Although lenders conform to standards set by government agencies, loan approval guidelines vary depending on the terms of each loan.
05
: Close your loan
After your loan is approved, you are ready to sign the final loan documents. You must review the documents prior to signing and make sure that the interest rate and loan terms are what you were promised.
No Compromise, Just Maximize
Read our guides and more -- check out our blogs!
Programas de asistencia para el pago inicial: hacer que la propiedad de vivienda sea asequible para los compradores de Texas
“Los programas de asistencia para el pago inicial pueden cerrar la brecha entre el alquiler y la propiedad, haciendo que el sueño de ser propietario de una vivienda sea más alcanzable para los compradores primerizos.” - Anónimo
Introducción:
Ahorrar para el pago inicial es uno de los mayores obstáculos para los compradores de vivienda por primera vez. Afortunadamente, existen numerosos programas de asistencia disponibles en Texas para ayudarlo a superar este desafío. En esta parte de nuestra serie, exploraremos los programas de asistencia para el pago inicial y cómo pueden hacer que ser propietario de una vivienda sea más asequible.
Corporación de Vivienda Asequible del Estado de Texas (TSAHC): conozca los programas de TSAHC que ofrecen subvenciones y préstamos para asistencia con el pago inicial.
My First Texas Home: Descubra cómo este programa proporciona asistencia con el pago inicial y los costos de cierre para compradores elegibles.
Envíe su solicitud: complete la solicitud de aprobación previa con información precisa y completa.
Requisitos de elegibilidad: comprender los criterios de elegibilidad para diferentes programas de asistencia.
Proceso de solicitud: obtenga una guía paso a paso sobre cómo solicitar asistencia para el pago inicial.
Combinación de programas: aprenda cómo combinar múltiples programas de asistencia para maximizar sus beneficios.
Términos de pago: comprenda los términos y condiciones de los préstamos y subvenciones de asistencia para el pago inicial.
Impacto en la hipoteca: vea cómo la asistencia para el pago inicial puede afectar los términos generales de su hipoteca y sus pagos mensuales.
Conclusión:
Con los programas de asistencia para el pago inicial a su disposición, está en el buen camino para convertirse en propietario de una vivienda. A continuación, profundizaremos en la comprensión de los costos de cierre, otro aspecto financiero importante de la compra de una casa en Texas. El Próximo blog se publicará el 24 de julio de 2024, a las 11:00 horas.
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Hear What Our Clients Say
Reviews were imported from Google & Facebook
Jackeline Deleon Gonzalez
The best trio! I had the pleasure of working with Patricia and she has been of great assistance throughout the entire process. Even after we closed on our home she is there to answer any questions. Highly recommended, the best. Rudy and Team, thank you!!!
Jen Perez
Rudy and the staff are so nice you get the good vibe when you walk in very sweet front desk girl I’m very blessed to have friends like Rudy se los recomiendo *5
Angie Zamora
Rudy and the rest of the staff are so helpful and welcoming. They make you feel like family even after the whole process is over. Everyone knows that the home buying process is not a walk in the park, it’s stressful, it’s frustrating at times but with Texas Mortgage Lender you never feel that way. They help you every step of the way, best decision I ever made. I have been in my home since 2017.
Ernesto Ortega
Best customer service at this location
Address: 16821 Buccaneer Lane, Suite 200, Houston, TX 77058
COMPANY NMLS: 181106
RUDY ZARATE | NMLS #262973 | Barrett Financial Group, L.L.C. | NMLS #181106
View complaint policy at www.barrettfinancial.com/texas-complaint
This is not a commitment to lend. All loans are subject to credit approval.
Our Houston, TX Office:
(281) 747-6699
Our McAllen, TX Office:
(956) 255-0454
Operating Hours:
Mon 08:30 am – 05:30 pm
Tue 07:30 am – 04:30 pm
Wed 07:30 am – 04:30 pm
Thu 08:30 am – 05:30 pm
Fri 07:30 am – 04:30 pm
Weekends Closed
