We're Building Something Amazing!
Calculate your monthly payments, see when your mortgage will be paid off, and explore how extra payments can save you money.
LOAN PRODUCTS
Teaming up with Merrily Brown, an independent mortgage broker, will help you meet your needs with technology and speed. With one credit review and a mortgage application, Merrily can shop multiple lenders to find the loan to fits your needs.
As an independent broker, Merrily has direct access to some of the most competitive wholesale rates in the country, potentially enabling you to get a bigger, more expensive home with a lower monthly payment.
Once the mortgage that meets your needs is chosen, Merrily utilizes her industry expertise to guide you through the process. With safe and secure technology, Merrily offers digital mortgage tools that empower you to securely communicate and submit documents from anywhere.
DSCR Loans: Let the Property Qualify, Not Just You
A DSCR (Debt Service Coverage Ratio) loan is designed specifically for real estate investors. Instead of focusing on your personal income, this loan type looks at how much rental income the property generates compared to its monthly debt payments.
If the property brings in enough to cover the loan, you may qualify — even without traditional income documentation. It’s a powerful way for investors to
leverage income-producing properties
to grow their portfolio.
Bridge Loans: Buy Before You Sell
A Bridge Loan helps you purchase your new home before your current one sells — giving you the flexibility to move forward without waiting.
When the loan term ends, you’ve got options:
Bridge loans are perfect for homeowners who need speed and flexibility in today’s competitive market.
FAQS
Big-box lenders often offer a “one-size-fits-all” experience and you may feel like just a number. As a local Texas mortgage broker, I shop multiple lenders to find the best fit for you, not just a single offering. I also guide you personally through every step and don’t disappear after the pre-approval letter. Think of me as your mortgage matchmaker, cheerleader, and problem-solver—all rolled into one.
Not necessarily. Homeownership and debt management can coexist with the right strategy. The key is how your debt impacts your DTI (Debt-to-Income) ratio. Sometimes paying down debt improves your chances, but other times it makes more sense to keep your cash for a down payment or reserves. Every financial situation is unique—let’s map yours out together and see if now is the right time or if a 90-day plan gets you there faster.
Not at all—and I’m glad you asked! Mortgage rates can feel like a mystery, but they’re actually based on dozens of factors: your credit score, loan amount, property type, down payment, and even the day you lock. Your cousin’s situation might look similar on paper, but behind the scenes? Totally different story.
As your broker, I shop multiple lenders, not just one, to find the best pricing for your exact scenario. And I’ll break it all down for you so there’s no confusion—just clarity and confidence. We’re not here to play rate roulette. We’re here to win smart.
Bring it on. I don’t mind being compared—but here’s what you need to know: online quotes are often just marketing bait. They assume perfect credit, zero hiccups, and a unicorn loan profile. Once you apply, poof! The rate changes. The fees show up. The service disappears.
With me, you’re not a lead in a spreadsheet—you’re a real person with a real goal. I’ll give you the full picture upfront, with options tailored to you. No bait-and-switch. Just straight talk, smart strategy, and a process you won’t dread. Let’s do it better, together.
Not necessarily. Homeownership and debt management can coexist with the right strategy. The key is how your debt impacts your DTI (Debt-to-Income) ratio. Sometimes paying down debt improves your chances, but other times it makes more sense to keep your cash for a down payment or reserves. Every financial situation is unique—let’s map yours out together and see if now is the right time or if a 90-day plan gets you there faster.
OUR TEAM