Steve Bray was a fantastic lender to work with as first time home buyers. He went above and beyond to answer our barrage of questions in a timely manner, thoroughly addressing all of our concerns. We would highly recommend him to anyone!
Mimi S. and Scott S.
Austin, TX

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5 Ways Buyers Are Getting Into Homes without A Big Down Payment

Don’t Ask ‘How Much House Can I Afford?’ Ask This Instead


First Time Homebuyers Class

* Webinar *

Discover what the first-time homebuyer mistakes are and how you can avoid them by signing up for this FREE class. Buying your first home is likely the biggest financial decision you will have to make in your life. Make sure you're fully prepared.


Be Your Own Builder

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


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.


You Can Keep Your Low Mortgage Rate and Still Consolidate Debt

Landing page campaign that encourages consumers to act on excess debt even if they have a low first-mortgage interest rate.


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.


No Money Down Construction Loan

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


Buy a home without using tax returns!

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


Boost Your Tax Refund with Mortgage Interest Tax Credit

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


Texas Homebuyers: Get Down Payment Assistance

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


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.


Use Your Home Equity

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


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.


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

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


Commission-only?
You can buy a home!

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


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.


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.


Not Sure What to Do About Holiday Debt?
Start With a Checkup

Landing page campaign focused on the consumer's pain point of excess holiday debt.


Buy rental property the easy way

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


One Conversation Can Simplify Your Debt

Landing page campaign that encourage consumers with excess debt to have a no-pressure conversation.


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.


You're eligible for a VA loan

Discover the special features that make it easier to qualify for a VA loan.


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.