Let's navigate your path to homeownership together.
Friendly, education-first guidance for first-time buyers and DFW families, with clear answers, no pressure, and a team that has your back from hello to keys.
The right loan for where you are right now
Whether it's your very first home or your next chapter, we'll walk every option with you in plain English and help you choose with confidence.
First-Time Buyers
A guided, no-pressure path from "can I even do this?" to keys in hand, our specialty.
Refinance
Lower your payment, shorten your term, or tap equity. We'll show you if and when it makes sense.
FHA & USDA
Low-down-payment and rural options that open the door for more Texas buyers.
VA Home Loans
Honoring those who served with $0-down options and a team that knows the process.
Conventional
Flexible, competitive financing for buyers with steady credit and a plan.
Jumbo
Financing for higher-value DFW homes, structured around your bigger picture.
Texas Pre-Approval
Shop with confidence and a real budget. Get pre-approved before you fall in love with a listing.
Hi, I'm Kimi, and I'd love to help you home.
I've been guiding Texas families through the mortgage process since 2008, and I still believe the same thing I did on day one: buying a home shouldn't feel scary or salesy. It should feel like having a friend in the business who explains everything, answers every question, and genuinely has your back.
As a Producing Branch Manager with Legacy Mutual Mortgage, a FirstHomeIQ ambassador, and a Homes for Heroes affiliate, my mission is bigger than one loan. It's helping our community build lasting, generational wealth through homeownership, one front porch at a time.
Warmly, Kimi
Homes for Heroes®, because you serve us every day
If you serve our community, you deserve to be served right back. Through the Homes for Heroes program, eligible local heroes earn meaningful savings when they buy or refinance. It's our way of saying thank you.
- Firefighters, law enforcement & EMS
- Active military, reserves & veterans
- Teachers & healthcare professionals
Local heroes can save on their home purchase or refinance through Homes for Heroes.
Eligibility and savings vary by program. Ask Kimi for details specific to your situation, no pressure, just answers.
From "hello" to keys, simplified
A complicated process, broken into four clear steps, with a real person beside you at each one.
Say hello
A relaxed conversation about your goals, your timeline, and your questions. No commitment.
Get pre-approved
We review your numbers and hand you a clear, confident budget to shop with.
Find & finance
Found the one? We lock in your loan and keep every step on schedule.
Close & celebrate
Sign, smile, and grab those keys. Welcome home. We'll be cheering you on.
A whole team in your corner
You're never just a file number. Meet the people who keep your loan moving and your questions answered.
Kimi Ortega
Garrett Nall
Sabrina Martin
Lily Ortega
"Kimi and her team are absolutely the very best. I am a teacher and they just helped me refinance my house and took care of me so well. Anyone who is looking to buy, sell or refinance their house, please contact them."
"Kimi and her team are AMAZING!! They went over and beyond for me, didn't lie to me or give me false hope. I love that they were straightforward and to the point."
"Working with Kimi and her incredible team was one of the best decisions we made throughout our home-buying journey. From day one, she and her team were always there, answering every question and guiding us through each step with patience."
Proudly serving the DFW metroplex & all of Texas
"Buying a home in DFW can feel overwhelming until someone walks it with you. My job is to make the complicated parts simple, and to never push you toward a decision that is not right for your family."
Kimi OrtegaLoan Officer, NMLS #495946 · Producing Branch Manager, Legacy Mutual Mortgage · Serving Texas since 2008
Common questions from DFW buyers
Quick, honest answers. For anything else, just ask.
How much do I need for a down payment in Texas?
Often far less than you think. Conventional loans can start at 3% down, FHA at 3.5%, and VA and USDA offer $0 down for eligible buyers. Down payment assistance may lower it further.
What credit score do I need to buy a home?
It depends on the loan program, and FHA is the most forgiving. If you are still building credit, we will give you a clear plan to get there.
Should I get pre-approved before I start looking?
Yes. A pre-approval tells you your real budget and makes your offer stronger in a competitive DFW market.
How long does it take to close?
Many buyers close in about 30 to 45 days once under contract. We keep every step on schedule.
Do you only work with first-time buyers?
Not at all. We help first-time buyers, move-up buyers, refinances, and local heroes across Fort Worth and all of Texas.
Ready to start your homeownership journey?
Tell us a little about your goals and we'll reach out with clear next steps, no pressure, no obligation, just real answers.