Having been a Texas Mortgage Strategist for a little over 25 years, I've learned that it is more important to find out what your financial goals are first. A 30 year fixed home loan can be a valuable product to offer, but not if it hinders your goal of owning a home and being debt free in less time. I need to be able to offer the product that best fits your specific situation. I am able to provide aggressive Conventional, FHA, VA, and USDA loan options, with great pricing, that will get you into a new home in less than 30 days. I am also able to offer Alternative Income home loan products that do Not require income tax returns to verify income. My wide range of products cover just about any purchase, straight refinance, or cash-out refinance that you might need for your primary residence, second home, and/or investment property. I look forward to building a home loan strategy that enhances your unique financial requirements soon. https://www.sml.texas.gov/residentialmortgageloanoriginator/documents/rmlo_compliance_reporting/rmlo_80_200_b_recovery_fund_notice.pdf