You are welcome to use ANY mortgage lender who suits your needs and fits your budget, even if they’re not listed here. Keep in mind, with today’s hot market, it might not be beneficial to select a mortgage lender, bank, or credit union whose hours are only Monday-Friday 8:00 AM – 5:00 PM. As you’ll learn early on, situations and/or questions arise around the clock, so you’ll want a team who will work along side you when you need them!
REALTORS® also follow a strict Code of Ethics, so we expect the same level of service from the lenders, vendors, and contractors we recommend to our clients.
AGENT VAL’S PREFERRED LENDERS
[LISTED IN ALPHABETICAL ORDER – BY LAST NAME]
(updated 07 OCT 2020)
Quality and personalized service you can trust.
I’ve worked with Daylon for over 16 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 complimentary service for my clients. If you don’t qualify today, he will provide a complimentary consultation to help get you ready for a home loan.
MINIMUM CREDIT SCORE: 600 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.
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.
*** *** ***
FRED CAMARILLO, BROKER/OWNER
SmartRate Mortgage Brokers
email: juli.coen@northpointe.com
Texas law requires all real estate license holders to provide the Information About Brokerage Services to all prospective clients. TREC’s Consumer Protection Notice.
One thought on “My Favorite Mortgage Loan Officers”