Buying a home can be one of the most stressful times in a person's life. It can also be one of the most rewarding. My goal is for each customer to feel comfortable throughout the loan process. Communication is key to a streamlined process. I take the time to explain the process and keep the customer updated on what stage we are in.
I think it is very important for the borrower to have an advocate at their closing in addition to their Real Estate Agent. I make every attempt to attend all of my closings. I am an Army Veteran who is proud in taking the utmost care of my clients. I have been in the industry for 20 years. Being born raised here in Houston I have raised my family here and have been involved in the community, school and church.
I think it is very important for the borrower to have an advocate at their closing in addition to their Real Estate Agent. I make every attempt to attend all of my closings. I am an Army Veteran who is proud in taking the utmost care of my clients. I have been in the industry for 20 years. Being born raised here in Houston I have raised my family here and have been involved in the community, school and church.
Services
Need financing options on a home, or other real estate? Choosing a purchase loan product that matches your goals and making sure you get a favorable rate doesn't have to be stressful! We're here to make the home loan process easier, with tools and knowledge that will help guide you along the way, starting with a pre-approval letter request.
NEXA Mortgage offers programs and pricing you and your clients will love. With processing, underwritting, and local appraisers that truly know our market. In addition, we have Aggessive Loan programs that you'd be hard pressed to find anywhere else at very aggressive rates. Financing for qualified borrowers who have had a financial hardship such as a short sale or BK.
An FHA loan is a mortgage loan that is insured by the Federal Housing Administration (FHA). Essentially, the federal government insures loans for FHA-approved lenders in order to reduce their risk of loss if a borrower defaults on their mortgage payments.
The FHA program was created in response to the rash of foreclosures and defaults that happened in 1930s; to provide mortgage lenders with adequate insurance; and to help stimulate the housing market by making loans accessible and affordable.We're here to make the FHA home loan process easier, with tools and knowledge that will help guide you along the way, starting with our FHA Loan Qualifier.
The FHA program was created in response to the rash of foreclosures and defaults that happened in 1930s; to provide mortgage lenders with adequate insurance; and to help stimulate the housing market by making loans accessible and affordable.We're here to make the FHA home loan process easier, with tools and knowledge that will help guide you along the way, starting with our FHA Loan Qualifier.
Conventional loans are any mortgage that is not guaranteed or insured by the federal government. Although a conventional loan is not insured or guaranteed by the government, it still follows the guidelines of government sponsored enterprises, Fannie Mae and Freddie Mac. Conventional loans may be "conforming" and "non-conforming".
A VA loan is a mortgage loan in the United States guaranteed by the U.S. Department of Veterans Affairs (VA). The loan may be issued by qualified lenders. The VA loan was designed to offer long-term financing to eligible American veterans or their surviving spouses (provided they do not remarry).
We're here to make the VA home loan process easier, with tools and knowledge that will help guide you along the way, starting with our VA Loan Qualifier.We'll help you clearly see differences between loan programs, allowing you to choose the right one for you whether you're a first-time home buyer or a repeat buyer.
We're here to make the VA home loan process easier, with tools and knowledge that will help guide you along the way, starting with our VA Loan Qualifier.We'll help you clearly see differences between loan programs, allowing you to choose the right one for you whether you're a first-time home buyer or a repeat buyer.
Reviews (1)
Andre P.
Jun 30, 2019
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My Wife and I wanted to thank Toi for working with us to close on a multi-family investment property earlier this month. She provided an excellent service and was very responsive since day one. Multiple phone calls and emails late in the night or over the weekend to make sure that everything was ready on time. We highly recommend Toi and will certainly contact her for our next property.
