A Manor Mortgage Lender That Looks Past the Rate
We help buyers and borrowers in Manor pick a home loan that still fits five or fifteen years from now. That means weighing the rate, the closing costs and the mortgage insurance together, then showing you the numbers in plain terms.
How We Work, and Why
A low rate on a quote can hide a lot. Points paid at closing, lender fees and monthly mortgage insurance all change what a loan really costs. We put those pieces on one page so you can see them before you sign anything.
Our loan officers start with your plans, not a product. How long you expect to stay. How steady your income is. How much cash you want left after closing. A buyer planning to move in four years and a family settling in for twenty should not get the same advice. Sometimes paying points makes sense. Often it doesn't, and we'll say so.
You can meet us at our office in Manor, or work with us by phone and video if that's easier. Most borrowers never need to take time off to get a pre-approval. We handle conventional, FHA, VA and USDA loans for buyers, along with refinancing, HELOC options, bank statement loans for self-employed borrowers, and hard money and bridge loans for investors and people buying before they sell.
What You Can Count On From Us
- 01
The break-even math, written out
If a lower rate costs more at closing, we show how many months it takes to earn that money back. If you won't stay that long, we'll tell you the cheaper option up front is the better deal.
- 02
Mortgage insurance in the full picture
FHA and conventional loans treat mortgage insurance differently. One may cost less today and more over the years. We lay out when it can come off and what it adds in the meantime.
- 03
No pushing the bigger loan
Qualifying for an amount doesn't mean you should borrow it. We look at the payment next to your real monthly budget, with taxes and insurance included.
- 04
Paperwork named early
We tell you at the start which documents we need, from pay stubs to bank statements to a DD-214. Fewer surprises late in the process makes for a calmer closing.
Serving Manor and the Towns Around It
We work with borrowers in Manor and nearby, including Pflugerville, Hutto, Round Rock, Elgin, Taylor and Hornsby Bend. Phone and video meetings make it just as simple for buyers in Wells Branch, Brushy Creek, Wyldwood and West Lake Hills. If you're looking at property out past the edge of town, some areas may qualify for USDA financing, and we'll check the address with you before you make an offer.
- Manor
- Pflugerville
- Wells Branch
- Elgin
- Hornsby Bend
- Round Rock
- Hutto
- Brushy Creek
- Taylor
- Wyldwood
- West Lake Hills
Talk Through Your Numbers With Us
Tell us what you're buying or refinancing and how long you plan to keep it. We can take your loan application by phone, or start with pre-qualification and rate quotes you can compare side by side.