Talk to a licensed Texas mortgage broker.

What actually happens when I call?

You get me — not a queue, and not a form that routes you to whichever loan officer happens to be free that afternoon. We spend ten or fifteen minutes on what you are actually trying to do: buy, refinance, or simply find out where you stand. Then I tell you honestly whether I can help, and what it would look like.

Sometimes the honest answer is that you should wait a few months and pay down a card first. I would rather tell you that than sell you something you will regret. It is a small industry and a long career, and I would like you to call me again.

Do I need to know my credit score before I call?

No, and do not let that be the reason you put it off. A rough idea helps, but the number on a free credit app is often not the number a lender will use. Mortgage lenders pull a tri-merge report from all three bureaus and work from the middle of the three scores, which can sit meaningfully above or below whatever your phone has been showing you.

Come with an estimate or with nothing at all — either way, we will work out where you genuinely stand.

Will talking to you affect my credit?

Not by itself. A conversation is only a conversation — no credit pull, no application, nothing reported anywhere. A hard inquiry happens only once you decide to move forward and give me permission for it.

And when you do shop, mortgage inquiries made within a short window are generally treated by the scoring models as a single event rather than several. Comparing lenders properly does not punish you in the way people are afraid it will.

What should I have ready?

For a first conversation, nothing at all. If you would like to be efficient about it, know roughly what you earn before tax, roughly what your monthly obligations come to, and roughly what you have set aside. Round numbers are perfectly fine at this stage.

Documents come later, and I will tell you precisely which ones apply to you. You will not be handed a generic checklist of every form a lender has ever asked for and left to work out which half is yours.

How quickly will I hear back?

I answer my own calls and texts between 8:00 AM and 6:00 PM, Monday through Saturday. If you catch me while I am with a client, I will come back to you as soon as I am free rather than hand you off to somebody else.

Outside those hours, leave a message or send a text, and it will be waiting for me. A short question is always worth asking — it is usually a short answer.

Can we meet in person?

Yes, by appointment. The office is at 2877 Commercial Center Blvd, Ste D in Katy. Most of my clients handle everything by phone, text and email simply because it is faster — but if you would rather sit across a table from the person arranging your mortgage, say so, and we will find a time.

Do you only work with buyers in Katy?

Katy is home, and it is where I know the ground street by street — which subdivisions fall in Harris, Fort Bend or Waller, where the MUD rates change the payment more than the rate does, and which builder's preferred lender is worth comparing against.

But I'm licensed across Texas, and I write loans anywhere in the state — I've funded recently in Mansfield, New Braunfels and Angleton. If you're buying in Texas, distance isn't the obstacle.

Is there any obligation?

None. Getting started does not require a credit pull, and nothing you tell me on a first call commits you to anything at all.

Your details are shared with lender partners only as far as working your loan requires, and they are never sold for someone else's marketing. That should be unremarkable, and it is not — a great many mortgage enquiries are auctioned the moment the form is submitted, which is why filling one in online tends to be followed by a dozen calls in an hour. That does not happen here.