Clear answers before your next decision.

Yes. With a Foreign National Loan you qualify with a valid passport and visa — no U.S. credit history or Social Security Number required. Typical down payment is 25%–30%.

Yes. We work with buyers from Mexico, LATAM, Canada and Europe purchasing or investing in Texas and Florida real estate. The full process is handled remotely, in English or Spanish.

Yes. Nayeli is a native bilingual advisor (Spanish/English) and the full process — pre-qualification, documentation, title communication and closing — can be completed in Spanish.

Debt Service Coverage Ratio: a mortgage that qualifies based on the property's rental cash flow, not your personal income. Applies to short-term rentals (Airbnb/VRBO) and long-term rentals in Texas and Florida. Up to $3M.

Between 20% and 30% depending on program, property type and investor profile. Foreign National and investment typically require 25%–30%; primary residence starts at 3%–5%.

Yes. We offer ITIN programs for buyers living and working in the U.S. without an SSN, with down payments from 15%–20% on primary residence.

Yes. FHA from 3.5% down and VA with 0% down for qualified veterans, both available in Texas and Florida for primary residence.

Yes. We offer rate-and-term and cash-out refinance for homeowners and investors. Texas has specific state rules (Texas A6) for cash-out on primary residence that we walk you through.

Yes. Some Florida condos are non-warrantable due to HOA reserves, associations in litigation or structural inspection requirements. We validate the condo project before closing and have programs for non-warrantable condos when needed.

Yes. For properties in wind zones or FEMA flood zones, lenders require active wind/hurricane and/or flood insurance at closing. We connect you with specialized insurance brokers.

Texas has no state income tax, but effective property tax averages 1.6%–2.3% of value depending on county and is included in your DTI via PITI. We estimate it from the first pre-qualification to avoid surprises.

No. The Texas homestead exemption only applies to an owner's primary residence. Investment or second-home properties are taxed at 100% of assessed value.

Pre-qualification in 24–72 business hours after initial documentation. Typical closing: Conventional/DSCR 21–30 days; Foreign National 30–45 days; Commercial 45–60 days.

NMLS 2791273. You can verify the license at NMLS Consumer Access (nmlsconsumeraccess.org) by searching for number 2791273.