You are welcome to use ANY mortgage lender who suits your needs, even if they’re not listed here. If you are looking for a smooth loan process, it could be to your benefit to work with a loan officer who already knows how your REALTOR® does business. REALTORS® follow a strict Code of Ethics, so we expect the same level of service from the vendors and contractors we recommend to our clients.

[LISTED IN ALPHABETICAL ORDER – BY LAST NAME]
(updated 05/21/2019)

I’ve worked with Daylon for over 12 years. He is affiliated with the Texas Veterans Land Board. Daylon has worked in several positions in the mortgage industry, so he’s very knowledgeable about various loan programs and about what it takes to qualify. Daylon’s credit consultation is a FREE service for my clients. If you don’t qualify today, he will provide FREE counsel to help get you ready for a home loan.

MINIMUM CREDIT SCORE: 580 with conditions

LOAN TYPES:

• Jumbo Loans (up to $5 million): First home, second home or investment properties

• FHA financing ($50,000-$327,000 – BEXAR COUNTY):
  • 3.5% down payment
  • Down payments can be gifted by family members or your employer

• Conventional loans: 
  • 3% down payment – primary homes
  • 10% down payment – second homes
  • 15% down payment – investment property

• Lot & Construction Loans

• USDA loans (for homes outside city limits): 100% Financing (ZERO DOWN) (with income limits)
• VA loans (military veterans/active duty military): ZERO DOWN PAYMENT
• Texas Vet loans (special rates for Texas Veterans): ZERO DOWN PAYMENT
• FHA 203K (rehab loans): Roll in expenses for rehab/remodel
• GRANTS & BOND PROGRAMS: Programs to help with Down Payment and/or closing costs.

James has over 15 years experience in the lending business. When I first met James, he impressed me with his vast knowledge and attention to details. Gold Financial has the added benefit of having their Processing and Underwriting Departments in the same building. With in-house collaboration, deals get done with teamwork!

I’ve just recently added James to my short-list of preferred mortgage loan officers. I’m excited to close deals with James! James knows that real estate doesn’t stop at 5 pm, so like me, his phone is on after normal business hours.

Val J Aranda, REALTOR® & Certified Home Marketing Specialist