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Reach out to us today to start your journey towards financial flexibility and homeownership. Fill out the form below to schedule a no-obligation consultation, or get in touch with us via phone or email. We’re committed to providing you with timely, personalized solutions that meet your unique needs.

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We’re more than just a mortgage company; we’re your partner in realizing your dream home. Contact us today and take the first step toward making that dream a reality.

Frequently Asked Questions

What's the difference between a Conventional Loan and an FHA Loan?

Conventional loans usually require a higher credit score and can have a faster approval process. FHA loans are backed by the government and are a good option for those with lower credit scores or minimal down payment resources.

How do VA Loans work?

VA Loans are designed for veterans and active-duty military service members. They require little to no down payment and generally offer more favorable terms compared to conventional loans.

What is refinancing, and when is a good time to refinance my home?

Refinancing means replacing your existing mortgage with a new one. The best time to refinance varies based on your financial situation and current interest rates, but it is generally beneficial if you can lower your interest rate by at least 1%.

Can I qualify for a USDA Loan if I don't live in a rural area?

USDA loans are primarily for properties in rural or suburban areas. However, ‘rural’ is defined loosely and you might be surprised what qualifies. It’s best to check with us to determine your eligibility.

What is a JUMBO Loan, and how does it differ from a conventional loan?

JUMBO Loans are designed for homebuyers looking to purchase luxury homes that exceed the conforming loan limits. They usually require a higher down payment and offer different interest rates than conventional loans.

Do you offer programs for first-time homebuyers?

Yes, we have special programs designed to help first-time homebuyers navigate the complexities of purchasing their first home, including lower down payment options and educational resources.

What is Down Payment Assistance and how can it benefit me?

Down Payment Assistance provides financial aid to help cover the initial payment of a home. This can make homeownership more accessible to people who may not have enough savings for a sizable down payment.

What are Mortgage Credit Certificates (MCC), and how can they save me money?

MCCs are tax credits that can reduce your federal income tax liability, thereby increasing your net earnings and potentially aiding in qualification for other types of financing.

What type of loan should I consider if I'm self-employed or have irregular income?

Our Bank Statement Loans and Self-Employed Loans are designed to accommodate those with variable income streams, making it easier to qualify for a mortgage.

Can I apply for a renovation loan for a fixer-upper?

Absolutely! Our Renovation Loans allow you to combine the purchase price and renovation cost into a single mortgage, streamlining the financial process of turning a fixer-upper into your dream home.

Ready to get started?

Ready to make the move? Our streamlined application process is designed to get you one step closer to homeownership. Click below to apply now and begin your journey with us. Secure, simple, and swift—take the first step in turning your dream home into a reality.

NMLS# 2151259 | NMLS# 1428697

HomeTrust Financing: Your go-to source for customized mortgage solutions in Sugar Land, TX. Let us guide you through traditional to specialized loan options. Built on Integrity, Driven by Expertise.

NMLS# 2151259 | NMLS# 1428697

CONSUMERS 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’S 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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