Xanadu Home Loans helps Texas families and first-time buyers find the right mortgage — with straight answers, transparent numbers, and a broker who actually picks up the phone.
We shop dozens of wholesale lenders on your behalf so you don't have to. One application, many options — and one broker who owns the outcome.
Conventional, FHA, VA, USDA and jumbo financing for primary homes, second homes and investment properties across Texas.
Lower your rate, shorten your term, drop mortgage insurance, or tap equity with a cash-out refinance that actually pencils out.
Down-payment assistance programs, credit prep, and a step-by-step timeline so nothing catches you off guard at closing.
FHA 203(k) and conventional renovation options that roll purchase and remodel costs into a single mortgage.
Zero-down financing and dedicated support for Texas veterans, active-duty service members, and eligible surviving spouses.
Bank-statement and 1099 programs for business owners, contractors and gig-economy earners who don't fit the standard box.
Founded in Smith Point by Pedro Mooney, Xanadu Home Loans keeps things small on purpose. You'll work directly with the person underwriting your file — from soft credit pull to closing table — with real answers instead of scripted callbacks.
Every borrower is different. Below are the programs we most often place — but if you have an unusual scenario, that's usually where we shine.
As little as 3.5% down with flexible credit guidelines. Great for buyers who are still building their credit profile or savings.
Drop your rate or shorten your term without pulling equity. We handle the appraisal, title and payoff details end to end.
Financing above conforming limits for larger Texas homes, with common-sense underwriting and competitive jumbo pricing.
We talk goals, timeline, and comfort zone. No credit pull yet, no pressure.
Soft credit review and a clear letter you can shop with — usually within 24 hours.
We compare 40+ wholesale lenders to find the pricing and program that actually fit.
We coordinate with your realtor and title company so you sign, get keys, and celebrate.
"Pedro walked us through every line of the loan estimate. We came from a big-box lender that had ghosted us for two weeks — Xanadu closed us in 21 days."
"Self-employed and thought we'd never qualify. Pedro found a bank-statement program that worked and saved us over $340 a month vs our old lender's quote."
"First-time buyer, zero clue what we were doing. Xanadu made it feel like we were being coached by a friend who happened to be an expert."
A quick conversation and a soft credit pull — that's all it takes to get a real answer, not a marketing quote.
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