Residential Loans
FHA Loan
Low downpayment options and flexible requirements for income, debt, and credit. This is ideal for home buyers with low savings, higher debt to income ratios or first time buyers.
Conventional Fixed Rate Loan
This loan offers flexibility with mortgage insurance requirements and escrow options. This is ideal for buyers with higher credit scores and lower debt to income ratios.
HELOC
For Borrowers that are looking for a home equity line of credit
Jumbo Loan
This loan is for buyers that need larger loan amounts. There are several options such as interest-only, adjustable rate, and fixed rate options.
Fix and Flip Loans
For borrowers who are looking to purchase a property that is in distress and renovate it. This can be utilized for residential and commercial real estate.
Investment DSCR Loans
Investors purchase properties to rent may obtain financing to grow their rental portfolio with no personal income verification. This can be utilized for single family, multifamily, mixed use and commericial properties.
832 301 6541
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Figure: 7 TAC § 80.200(b) CONSUMER WISHING TO FILE A COMPLAINT AGAINST A COMPANY OR A RESIDENTIAL MORTGAGE LOAN ORIGINATOR SHOULD COMPLETE AND SEND A COMPLAINT FORM TO THE TEXAS DEPARTMENT OF SAVINGS AND MORTGAGE LENDING, 2601 NORTH LAMAR, SUITE 201, AUSTIN, TEXAS 78705. COMPLAINT FORMS AND INSTRUCTIONS MAY BE OBTAINED FROM THE DEPARTMENT WEBSITE AT WWW.SML.TEXAS.GOV. A TOLL-FREE CONSUMER HOTLINE IS AVAILABLE AT 1-877-276-5550. THE DEPARTMENT MAINTAINS A RECOVERY FUND TO MAKE PAYMENTS OF CERTAIN ACTUAL OUT OF POCKET DAMAGES SUSTAINED BY BORROWERS CAUSED BY ACTS OF LICENSED RESIDENTIAL MORTGAGE LOAN ORIGINATORS. A WRITTEN APPLICATION FOR REIMBURSEMENT FROM THE RECOVERY FUND MUST BE FILED WITH AND INVESTIGATED BY THE DEPARTMENT PRIOR TO THE PAYMENT OF A CLAIM. FOR MORE INFORMATION ABOUT THE RECOVERY FUND, PLEASE CONSULT THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV.
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