My Approach to Mortgage Lending
I’m more than just a mortgage broker—I’m a guide, strategist, and educator in your homebuying journey. As a husband and father of two, I understand what it means to want stability, clarity, and a future you can be proud of.
My approach is simple: education first, no pressure, honest answers, and fast service.
Whether you’re a first-time homebuyer or purchasing your fifth home with VA benefits, I’ll help you understand every option and make confident decisions.
NMLS #2012593 | HomeTown Lending NMLS #2712965
Why veterans choose to work with me:
- 24-48 hour pre-approval turnaround
- Closings in as fast as 8 days
- Direct communication—no call centers
- Deep expertise in VA loan guidelines
- Local presence in Dallas-Fort Worth
VA Loan Benefits: Zero Down, No PMI, Lower Rates
VA loans are the most powerful mortgage benefit available to those who’ve served.
Here’s why:
Zero Down Payment Required
Finance 100% of your home’s value. No 3%, 5%, or 20% down payment needed—keep your savings where they belong.
No Private Mortgage Insurance (PMI)
Unlike FHA and conventional loans with less than 20% down, VA loans never require PMI. This saves you $100-300+ per month.
Lower Interest Rates
VA loan rates typically run 0.25-0.5% below conventional rates. Over a 30-year loan, this saves tens of thousands of dollars.
Flexible Credit Requirements
Past credit challenges? VA loans are more forgiving than conventional financing, with most lenders accepting scores of 580+.
Reusable Benefit
Your VA loan benefit doesn’t expire and can be used multiple times throughout your lifetime.
Serving Veterans Across the Dallas-Fort Worth Metroplex
Whether you’re stationed at one of DFW’s military installations, recently transitioned to civilian life, or relocating to Texas, I help veterans purchase homes throughout the region:
- Dallas
- Fort Worth
- Plano
- Frisco
- Irving
- Arlington
- McKinney
- Garland
- Grand Prairie
- Carrollton
- Denton
- Richardson
- Allen
- Lewisville
- And all surrounding communities
Get Pre-Approved in 24 Hours
Ready to use your VA benefit? The first step is pre-approval. I’ll verify your eligibility, obtain your Certificate of Eligibility (COE), and give you a clear picture of what you can afford—often within 24 hours.
What you’ll need:
- DD-214 or Statement of Service
- Recent pay stubs
- 2 years of W-2s/tax returns
- 2 months of bank statements
Don’t have everything ready? No problem. Schedule a call and I’ll walk you through exactly what’s needed.
Schedule Your Free Consultation
Call directly: (817) 690-9677
Email: carloss@hometownlend.com
