Steve Bray was introduced to me by my mother, as he handled the mortgage on her family daycare facility 15 years ago. I was a first time home buyer so really kind of deer in the head lights throughout the process. Steve was really calming and frankly quite gifted at keeping messy situations like home buying as painless and stress-free as possible.   (Read more)
Deborah S.
Elgin, TX

Avoiding Trigger Leads

When to use a temporary interest rate buydown

5 Ways to Lower Your Mortgage Payment

5 Best Days to Buy a Home

5 Surprising Factors That Affect Your Loan Approval


Buy a home without using tax returns!

Business owners can buy a home without using their tax returns to qualify.


RE Agents: You can buy
your own dream home!

Real estate agents can qualify to buy a home without using tax returns. Inconsistent income is okay.


Don't let gig work stop you from buying a home!

Gig workers can qualify to buy a home without using tax returns.


Buy a Bigger Home with Mortgage Interest Tax Credit

A mortgage interest tax credit can add thousands of dollars to your income to qualify for a larger mortgage.


Buy your own short-term rental

Buy a short-term rental property without proving income or employment. Use the property's potential rental income to qualify.


Use Your Home Equity

Use our Home Equity Calculator to decide which home equity solution is right for you.


Limited Time Lower Rates!
Refinance Your VA Loan

Use our simplified refinance program to lower your VA mortgage rate. Find out how much you can save using our short quiz.


Be Your Own Builder

You can build your own dream home and get a construction loan to build it.


Buy an investment condo the easy way

Buy a rental condo without proving income or employment. Condotel features - hotel operations, rental pools - don't matter.


Texas Homeowners: Overwhelmed by Credit Card Debt?

Use your home equity to consolidate debts into one lower monthly payment. Try our debt consolidation tool to see how much you could save.


An easy way to acquire more rentals

Expand your rental portfolio. Buy more rentals without proving income or employment. Use the property's potential rental income to qualify.


You're eligible for a VA loan

This campaign allows an LO to drip loan program flyers weekly onto consumers.


Buy a small apartment the easy way

Buy a small apartment building without proving income or employment. Use the property's potential rental income to qualify.


Texas Homebuyers: Get Down Payment Assistance

Can you qualify for down payment assistance to buy a home? Take this short quiz to find out.


Boost Your Tax Refund with Mortgage Interest Tax Credit

A mortgage interest tax credit can boost your income tax refund by thousands of dollars.


No Money Down Construction Loan

You may be able to build your dream home with little to no money out of your pocket.


When is Consolidating Debt a Good Idea?

Interest rates are rising. Consolidate debt before the Fed hikes your credit card rates again. Try our debt consolidation tool to see how much you could save.


Buy rental property the easy way

Buy a rental property without proving income or employment. Use the property's potential rental income to qualify.


Commission-only?
You can buy a home!

Commission-only salespeople can qualify to buy a home even if they're new to commission income.


Limited Time Lower Rates!
Refinance Your FHA Loan

Use our simplified refinance program to lower your FHA mortgage rate. Find out how much you can save using our short quiz.