Meet Lorena castro

Meet your trusted Texas loan officer, the seasoned expert you've been searching for! With years of experience and a passion for personalized service, we're here to make your financial goals a reality. Whether you're buying your first home or refinancing, count on us to provide guidance, transparency, and solutions tailored just for you. Let's turn your dreams into achievements together!

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Loan Types

Conventional

FHA - VA - USDA

ITIN

First Time Homebuyers

DACA

Investment

Bank Statement

keys of the house next to the alle

FAQs

Your Mortgage Questions Answered Clearly and Concisely

What documents do I need to apply for a mortgage

Youll need to provide proof of income, proof of assets, credit history, and personal identification.

How do I know which type of mortgage is best for me?

This depends on your financial situation, how long you plan to stay in the home, and your risk tolerance. We offer personalized consultations to explore your options.

What is the difference between a fixed-rate and an adjustable-rate mortgage?

A fixed-rate mortgage has a constant interest rate and monthly payments that never change, while an adjustable-rate mortgage has a rate that may change periodically depending on changes in a corresponding financial index associated with the loan.

Can I qualify for a mortgage if I'm self-employed?

Yes, you can qualify. You may need to provide additional documentation such as two years of tax returns and bank statements to verify your income and stability.

What should I do to prepare for the home buying process?

Start by checking your credit score, set a budget, gather financial documents, and get pre-approved.

How long does the loan approval process take?

The loan approval process can take a few weeks to a couple of months. However, this can vary depending on several factors, including your financial situation and the lender's processing time.