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.