Loan programs
Every major program. None of the jargon.
Most buyers qualify for more than one program. The right one depends on your down payment, credit, the property, and what you’re optimizing for — which is exactly the comparison Trey runs in your first conversation.
Conventional Loans
The workhorse of home financing — flexible terms, competitive costs, and down payments as low as 3% for first-time buyers.
Learn more →FHA Loans
The first-time buyer favorite — 3.5% down, friendlier credit requirements, and forgiving guidelines for real-life finances.
Learn more →VA Loans
For those who served — $0 down, no monthly mortgage insurance, and some of the strongest terms in all of lending.
Learn more →USDA Loans
$0 down for homes in eligible smaller communities — many towns on the edges of the Houston metro qualify, and most buyers have no idea.
Learn more →Jumbo Loans
Financing above conforming loan limits for higher-priced homes — with the same guidance and straight answers.
Learn more →Down Payment Assistance
Texas has real down payment help — TSAHC and TDHCA programs can put up to 5% of the loan amount toward your down payment and closing costs for qualified buyers.
Learn more →Refinancing
Lower the payment, drop mortgage insurance, tap equity, or shorten the term — when the math works, Trey will show you. When it doesn’t, he’ll tell you.
Learn more →Not sure which one?
Text Trey what you’re trying to do. He’ll tell you which program fits and why.
Text 254-760-8121 →Have a question? Just text the team.
No pressure, no jargon, no obligation — a straight answer from a team that has closed more than 650 Texas loans. Text, call, or apply whenever you’re ready.