Based in Houston · Lending in all of Texas
Texas home loans from a Houston lender who’s also an investor.
I’ve been in Houston real estate since 2007, as an investor with more than 50 flips and as a top-producing loan officer. From Houston to anywhere in Texas, I shop your loan with multiple lenders, tell you the real numbers up front, and get you to closing on time.
The application takes about 15 minutes. You can save it and finish later.
Experience you can check
2007
in Houston real estate since
50+
homes flipped
20+
rentals we own
100+
lenders we shop for you
— Pick your path
Where are you in the move?
For buyers
I’m Buying
First home or next home. See what you can afford and what help is out there.
For agents
I’m a Realtor
Verified pre-approvals for your buyers and updates at every step.
For investors
I’m Investing
DSCR, investment property, and cash-out loans from someone who owns Houston rentals.
For homeowners
I’m Refinancing
Lower your rate, drop mortgage insurance, or pull cash out. I’ll tell you if it’s worth it.
— Better Rates And Verified Eligibility
We stand behind our pre-approvals.
Most pre-approvals are a quick credit pull and a guess. Ours aren’t. We do the hard work up front, before you write an offer, so buyers and agents can shop with confidence. Everyone loves surprises, just not with their mortgage.
Employment verified
We confirm your job and income before the letter goes out, not after you’re under contract.
Credit issues solved early
A person reviews your full credit report and works through problems while there’s still time to fix them.
Credit score boosts
When paying down a balance or correcting an error can raise your score, we can request a rapid rescore at our expense to update it in days.
Agents kept in the loop
Your agent can call me about any letter I issue. If anything changes, both of you hear it from me right away.
A pre-approval is not a commitment to lend. Final approval depends on the property appraisal, title, underwriting, and no material change in your credit, income, or assets before closing.
— Start here
Guides that answer the real questions.
— Not ready to apply?
Get a free loan game plan.
Tell me where you are and I’ll call you back with a clear plan. No credit pull for this step.
- Your budget: a realistic price range and monthly payment
- Your options: which loan programs fit you
- Your cash to close: down payment and closing costs, plus any assistance you can use
Get my game plan
Thank you for your response. ✨
— For Realtors
A preferred lender that’s actually preferred.
I was a Realtor for 12 years and co-founded a RE/MAX brokerage. I built Brave to be the lender I always wanted for my own buyers.
- Verified pre-approvals, so fewer deals fall apart
- Letters customized to each offer, fast
- Status updates to you and your buyer at every milestone
- A direct line to me, not a call center
Become a referral partner
Thank you for your response. ✨
— Meet Tim
Realtor, investor, lender, and a Houston dad of four.
Sugar Land raised, Texas A&M trained, and all in on Houston real estate. Real estate changed my family’s life, and my why is helping yours do the same.
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Ready when you are.
Apply online in about 15 minutes, or call me first. No pressure either way.
