Loan Options

A range of mortgage solutions to fit different needs, situations, and goals.

Conventional Loans

Traditional mortgage loans not backed by a government agency. A common fit for borrowers with solid credit and stable income.

  • Down payments as low as 3%
  • Competitive interest rates
  • Flexible terms (15, 20, 30 years)
  • No upfront mortgage insurance premium

Best for: Buyers with good credit (680+) and stable income

FHA Loans

Government-backed loans designed for first-time homebuyers and those with lower credit scores.

  • Down payments as low as 3.5%
  • Lower credit score requirements
  • Flexible debt-to-income ratios
  • Gift funds allowed for down payment

Best for: First-time buyers or those with credit challenges

VA Loans

Exclusive loans for veterans, active-duty military, and eligible surviving spouses.

  • No down payment required
  • No private mortgage insurance
  • Competitive interest rates
  • Limited closing costs

Best for: Veterans and active military members

DSCR Loans

Investment property financing qualified by the property's rental income — not the borrower's personal income or tax returns.

  • Qualify based on rental cash flow
  • No personal income or employment verification
  • Available for 1–4 unit and short-term rentals
  • Designed for real estate investors

Best for: Real estate investors building a rental portfolio

Jumbo Loans

For loan amounts that exceed conventional loan limits — a fit for higher-priced homes.

  • Higher loan amounts available
  • Competitive rates
  • Various term options
  • Primary and secondary homes

Best for: Buyers of high-value properties

Refinance Options

Lower your rate, reduce your term, or tap into your home's equity.

  • Rate-and-term refinance
  • Cash-out refinance
  • Streamline refinance options
  • Home equity solutions

Best for: Current homeowners looking to optimize

Texas Veteran Guide

VA Loans in Texas: limits, costs & funding fee

County loan limits, who pays closing costs at a Texas closing table, the VA funding fee, and Texas Veterans Land Board programs — all in one guide.

Read the Texas VA loan guide

Not Sure Which Loan is Right for You?

Gena will walk you through the options and help you find the loan that actually fits.

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