Get Started
How would you like to start?
Talk it through with a person, or work through it yourself online. Both get you to the same place.
Kimberli Pham
Licensed Texas mortgage broker · She answers her own phone.
6 of 7 clients come by referral or repeat business.
No unsolicited calls, texts or emails
You reach out when you're ready. Kimberli doesn't cold-call, and there's no auto-dialer.
No credit pull to ask a question
Get a straight answer about your options before anything touches your credit file.
Your information stays in-house
Never sold, never traded. If you don't move forward, it's deleted.
Talk to Kimberli
Ask her anything — what you could qualify for, what a payment would look like, whether now is even the right time to buy. No application, and nothing touches your credit. She's glad to talk if you're only looking.
Replies typically under 15 minutes during business hours, next business day after hours.
Proceed online
Two options, both on the application:
Pre-Qualification
Know what you can comfortably spend before you start touring houses.
Soft credit check · won’t affect your score
Pre-Approval
Make an offer sellers take seriously, at your real rate in writing.
Hard credit check · shows on your report
To our secure application portal.