Finance Home America LLC
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Finance Home America LLC
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Company NMLS 2446613

Texas Lending Made Easy

Texas Lending Made EasyTexas Lending Made EasyTexas Lending Made Easy

 Guiding You Home, One Step at a Time

(979) 733-3358

Apply Now

Company NMLS 2446613

Texas Lending Made Easy

Texas Lending Made EasyTexas Lending Made EasyTexas Lending Made Easy

 Guiding You Home, One Step at a Time

(979) 733-3358

Apply Now

Services

Home Purchases & Refinances

 

Whether you’re buying your first home, refinancing, or exploring investment opportunities, we’re here to make the mortgage process simple, transparent, and stress-free. At Finance Home America, we believe in more than just finding you a great loan—we believe in building lasting relationships. You’ll get personalized guidance, clear communication, and a partner who’s with you every step of the way. Your goals are our priority, and we can’t wait to 

help you open the door to your next chapter.

Lending Solutions for Every Buyer

Conventional Loans

Conventional Loans

Conventional Loans

 A Conventional Loan is one of the most common mortgage options for homebuyers and homeowners. With flexible terms and competitive interest rates, conventional loans can be a great choice for buyers with good credit and stable income. They often require a down payment as low as 3% (Normally 5%)  and can be used for primary residences, second homes, or investment properties. 

FHA

Conventional Loans

Conventional Loans

FHA loans are designed to make homeownership more accessible, especially for first-time buyers or those with less-than-perfect credit. Backed by the Federal Housing Administration, these loans allow for lower down payments—as little as 3.5%—and more flexible credit requirements. They’re a great option if you’re looking for a little extra help getting into your first home or need a loan program that’s more forgiving.

USDA

Conventional Loans

USDA

 USDA loans are a great option for buyers looking to live in eligible rural or suburban areas. Backed by the U.S. Department of Agriculture, they offer 0% down payment and low interest rates, making them perfect for families who want more space without stretching their budget. If you’re open to a country or small-town lifestyle, a USDA loan could be your ticket home. 

VA

Construction Loans

USDA

 VA loans are an amazing benefit for eligible veterans, active-duty service members, and certain military spouses. Backed by the U.S. Department of Veterans Affairs, these loans offer 0% down payment, no private mortgage insurance (PMI), and competitive interest rates. They’re designed to honor your service by making homeownership more affordable and achievable. 

JUMBO

Construction Loans

Construction Loans

 Jumbo loans are designed for high-value homes that exceed conventional loan limits. Perfect for buyers in competitive markets or purchasing luxury properties, these loans often require strong credit, higher income, and a larger down payment. They provide the flexibility to finance your dream home without being limited by standard loan caps. 

Construction Loans

Construction Loans

Construction Loans

 Construction loans help you finance building your new home from the ground up. These short-term loans cover the cost of land, labor, materials, and permits, and then can convert into a permanent mortgage once the home is complete. They’re ideal if you want full control over your home’s design and features. 

DSCR

Renovation Loans

Bank Statement

 Debt Service Coverage Ratio (DSCR) loans are tailored for real estate investors. Instead of qualifying based on personal income, these loans focus on your property’s cash flow to cover the mortgage. They’re an excellent solution for building your rental portfolio without traditional income documentation requirements. 

Bank Statement

Renovation Loans

Bank Statement

 Bank statement loans are perfect for self-employed borrowers or business owners whose tax returns may not reflect their true earning power. Instead of W-2s or pay stubs, lenders use your bank statements to verify income. This gives you the flexibility to qualify based on real deposits rather than adjusted taxable income. 

Renovation Loans

Renovation Loans

Renovation Loans

 Renovation loans allow you to roll the cost of home repairs or upgrades into your mortgage. Whether you’re buying a fixer-upper or updating your current home, these loans make it possible to finance improvements without taking out a separate loan. They’re ideal for turning potential into the perfect home. 

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Connect With Us


CONTACT US:

(979) 733-3358

Denise@FinanceHomeAmerica.com


Company NMLS 2446613

Equal Housing Opportunity


 Disclaimer: All loan products are subject to credit approval. Terms, conditions, and eligibility requirements may vary. Not all applicants will qualify. Programs, rates, and guidelines are subject to change without notice. 


Copyright © 2025 Finance Home America LLC - All Rights Reserved. 

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