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, just a starting point.
Get pre-approved
We review your numbers and hand you a clear, confident budget to shop with, so you know exactly what you can offer.
Find & finance
Found the one? We lock in your loan, coordinate with your agent, and keep every step on schedule.
Close & celebrate
Sign, smile, and grab those keys. Welcome home. We'll be cheering you on.
What to have handy
You don't need to gather everything before we talk. But when you're ready to apply, these are the usual documents that keep things moving:
Income
Recent pay stubs, W-2s or 1099s, and tax returns if you're self-employed.
Assets
Recent bank and retirement statements to show your down payment and reserves.
Identity
A government-issued photo ID and your Social Security number.
Common questions
How long does the whole process take?
Every situation is different, but many buyers go from pre-approval to closing in about 30 to 45 days once they're under contract. We'll give you a realistic timeline for your scenario.
Does getting pre-approved cost anything?
Getting pre-approved is a no-pressure, no-obligation step. We'll be upfront about any costs before anything happens.
What credit score do I need?
It depends on the loan program, and the answer is often lower than buyers expect. If you're still building credit, we'll show you exactly what to work toward.
Should I buy now or wait?
An honest question deserves an honest answer. We'll lay out the real trade-offs for your situation so you can decide with confidence, never pressure.
Pre-qualification vs pre-approval
They sound the same, but sellers treat them very differently.
Pre-qualification is a quick estimate based on what you tell us. It is a helpful starting point. Pre-approval is the real thing: we verify your income, credit, and assets and give you a letter that shows sellers you are ready. In a competitive DFW market, that letter can be the difference between winning a home and losing it.
Your pre-approval is typically good for 60 to 90 days, and easy to refresh if your search runs long.
Get pre-approved →What does it cost to close in Texas?
For buyers, closing costs usually run about 2% to 5% of the purchase price, on top of your down payment.
Loan and lender fees
Origination and processing to set up your loan. We give you a clear, written estimate up front, with no surprises at the table.
Third-party services
Appraisal, title, and inspection costs paid to outside companies.
Prepaids and escrow
A few months of property taxes and homeowners insurance set aside in your escrow account.
One Texas advantage: there is no state transfer tax on your home title. We estimate your closing costs early, and our team meets the closing-cost estimate 92.6% of the time.
"A strong pre-approval is the most powerful thing a buyer can bring to the table in this market. It turns a hopeful offer into a serious one."
Kimi OrtegaLoan Officer, NMLS #495946 · Producing Branch Manager, Legacy Mutual Mortgage · Serving Texas since 2008
A lending partner who makes you look good
When your buyer is pre-approved with us, you gain a teammate who communicates, solves problems, and closes on time. Here is what you can count on.
We communicate, every step
You and your client always know where the loan stands. No chasing us for updates, no radio silence in the days before closing.
We solve problems
When a file gets complicated, we find a path forward instead of handing you a headache. You hear about issues with a solution already attached.
We close on time
Our team meets the closing date 95.7% of the time, so your contract stays on track and your seller stays happy.
We make your job easier
Pre-approvals you can trust, fast answers when an offer is on the line, and a process your clients actually enjoy going through.
We value the partnership
Your client is your client. We are here to support the relationship you have built, never to compete for it.
You always know the process
One clear point of contact and a full team behind the file: pre-approval, processing, and contract to close, each handled by someone whose name you will know.
Ready to take the first step?
It starts with a simple, friendly conversation. No commitment required.
Start With Hello →