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Home · Loan Programs

One brokerage, dozens of loan programs.

Because we work with more than 40 wholesale lenders, we can match you to the program built for your exact situation — not the one a single bank happens to sell.

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Conventional Loans

Fannie Mae and Freddie Mac loans with as little as 3% down for qualified buyers. Great for borrowers with stronger credit who want flexibility on property type.

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FHA Loans

3.5% down and more forgiving credit guidelines make FHA a go-to for first-time buyers or anyone rebuilding credit.

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VA Loans

Zero-down financing for eligible veterans, active-duty service members and surviving spouses. No monthly mortgage insurance.

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USDA Rural Loans

Zero-down financing for eligible rural and suburban Texas properties, with income-based qualification.

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Jumbo Loans

Financing above conforming limits with competitive pricing and common-sense underwriting for higher-value Texas homes.

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Rate & Term Refinance

Lower your rate, shorten your term or drop mortgage insurance without pulling cash out.

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Cash-Out Refinance

Turn equity into liquid cash for renovations, debt consolidation, education or investment — when the math genuinely works.

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Renovation Loans

FHA 203(k) and conventional renovation programs let you finance the purchase and the remodel in a single closing.

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Bank-Statement / 1099

Non-QM programs for self-employed borrowers who show real income on statements but not on tax returns.

Not Sure Which Fits?

That's exactly what a broker is for.

Instead of guessing between FHA and Conventional, or wondering if a VA loan will actually save you money, share your goals with us. In a single conversation we can typically narrow nine programs down to the two or three that make real sense for your situation.

  • Compare total cost — not just rate
  • Weigh down-payment vs. monthly-payment tradeoffs
  • Check first-time buyer and DPA program eligibility
  • Model long-term equity and refinance scenarios
Get a Program Match →
Modern Texas home financed through Xanadu Home Loans

See real numbers on your scenario

A soft credit pull and a 15-minute call is all we need to give you honest pricing.

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