Reach a Smithville Loan Officer by Phone

What Happens When You Call

We start by looking at your file the way an underwriter will. That means income type, debt-to-income ratio, credit history and the cash you have for a down payment and closing costs. You hear what we find in plain terms, including anything that could slow an approval, such as a recent job change or a large deposit with no paper trail.

Only then do we talk programs. That might mean pre-qualification for a purchase, rate quotes on a refinance, or starting a loan application for conventional, FHA, VA or USDA financing. Investors and self-employed borrowers can ask about hard money, bank statement and bridge loans on the same call. We meet by phone or video with buyers in Smithville and nearby towns such as Bastrop and La Grange.

What to Have Ready Before You Call

1. Your two most recent pay stubs and two years of W-2s, or two years of tax returns if you are self-employed.
2. A rough total of monthly debts such as car payments, student loans and credit card minimums.
3. How much you have saved for a down payment and which accounts hold those funds.
4. Your DD-214 or Certificate of Eligibility if you plan to use VA benefits.

Hours

Mon-Sun

8am-5pm