Xanadu Home Loans isn't a franchise, a fintech or a national call center. It's a Smith Point, Texas mortgage brokerage run by one broker who cares more about doing right by clients than about volume charts.
Pedro Mooney spent his early career inside two of the largest retail mortgage banks in Texas. He watched borrowers get quoted one thing on the phone and something very different at the closing table, and he watched loan officers get rewarded for volume instead of outcomes.
In 2018 he opened Xanadu Home Loans as an independent brokerage from a home office overlooking Trinity Bay. The idea was simple: shop many wholesale lenders for each client, share the raw numbers openly, and take on only as many files as one broker can personally underwrite.
Today Xanadu closes purchase, refinance, VA, FHA, USDA, jumbo and bank-statement loans for families across Chambers, Harris, Galveston and Jefferson counties — and increasingly across the rest of Texas by referral.
No jargon walls. If a document matters to your loan, we'll walk you through it line by line.
We compare 40+ wholesale lenders on your specific file — not a generic rate sheet.
Same-day pre-qual letters. Most purchase files clear-to-close in 18–24 days.
If the numbers don't help you, we'll say so. Sometimes the best advice is "wait."
Every Xanadu client works directly with Pedro. Support staff assist behind the scenes but never take over your file.
NMLS-licensed with 17+ years in Texas mortgage lending. Bilingual (EN/ES).
Keeps paperwork moving so closings actually stay on schedule.
Answers your texts, coordinates with your realtor, and books your closing.
No obligation, no credit hit — just a straight answer about what you might qualify for.
Talk to Pedro