Ron's Texas Home Loans

Exploring the possibilities of buying a home or refinancing?

I'm here to turn those possibilities into realities.

With over 15 years of experience in the mortgage industry, I am here to guide you through every step of your loan process. Whether you're buying your first home, refinancing, or looking for a unique loan solution, you can trust my expertise to make your dream home a reality.

How I Can Help?

Personalized Loan Guidance

Finding the right loan can be complex, but I am here to simplify it for you. I take the time to understand your unique financial situation and goals, offering personalized guidance to match you with the perfect loan. Together, we’ll navigate the options and find a solution that aligns perfectly with your home ownership dreams.

Streamlined Application Process

Applying for a home loan should be straightforward and stress-free. I ensure a smooth, efficient process by handling the details and keeping you informed every step of the way. From initial application to final approval, I'm committed to making your path to homeownership as seamless as possible.

Financial Education and Support

Empowering you with knowledge is a key part of my approach. I focus on providing you with essential financial education needed to navigate the complexities of home loans. This means breaking down loan terms, making sense of interest rates, and helping you understand every aspect of your mortgage. My goal is to equip you with the insights necessary for a confident and informed journey into homeownership.

Let’s find the loan that fits you.

Conventional Loans

Conventional loans, mortgages not backed by the government, can be either conforming or non-conforming and typically have 15, 20, or 30 year terms. They allow as low as a 3% down payment for most buyers. You only need a minimum credit score of 620 to qualify, which provides some leeway based on your circumstances.

FHA Loans

FHA loans, backed by the government, are ideal for first-time buyers or those with lower credit scores and minimal down payment capabilities. They offer 15 or 30 year terms with low credit and down payment requirements, plus a higher debt-to-income ratio for increased flexibility, making homeownership more accessible.

VA Loans

Exclusively for our nation's heroes - veterans and active military members. These loans feature no down payment and no private mortgage insurance, making home ownership more attainable.

Ready to Start the Process?

Start your home buying journey by completing a client profile.

This will help us explore your home loan options, establish your budget, and review key details like interest rates, monthly payments, and cash-to-close requirements.

FAQs

  • I offer a diverse range of specialized options. This includes USDA Loans for rural and suburban homebuyers, One-Time Close New Construction Loans for streamlined building and financing, and various Non-QM loans such as bank statement, and DSCR, tailored for unique financial situations. Additionally, I provide Down Payment Assistance programs, grants, and Buydown options to make homeownership more accessible.

  • Start by completing your client profile, here.

  • Common documents include the last two years of W-2 forms, pay stubs, two-month bank statements, state-issued ID, and credit history. Depending on your situation, additional documentation may be required.

  • The duration of the loan process varies depending on the loan type and your financial circumstances. Pre-approval is often quick, just a matter of hours. The complete loan process, including document submission, appraisal request, title acquisition, and insurance arrangement, can often be accomplished in 21 days or less. I am committed to streamlining your application, providing regular updates, and ensuring a smooth path to loan approval

  • We can assess your current mortgage and explore how refinancing can help you achieve your financial goals. This could mean lowering your interest rate, reducing your monthly payments, or tapping into your home equity.

  • Your interest rate is influenced by various factors like market trends, loan term, property type, credit score, and down payment amount. I provide personalized advice to secure the best rate based on your profile.

Let’s Get In Touch