Welcome to Home Loans of Texas

Thank you for taking the time to visit our website.  I will personally guide you through each step of the loan process, and guarantee that it will be smooth, and that there will be no surprises at closing. Tom Nutt Loan Officer License 53757

...where it's all about you!

 

Here are 4 things most lenders won't tell you:

--How lenders get paid.  In order to negotiate the best deal, it's important for you to understand how your lender is compensated.  Lenders profit from a combination of up-front fees, and proceeds from the sale of your loan on the secondary market.  Learn more...

--They can't give you the best loan.  Forget the lowest interest rate.  Many lenders don't even have the best loan program for you.  It's a dirty little secret in the mortgage industry that more than 80% of companies are not even licensed to originate FHA loans, which are by far the best financing for most people.  Learn more...

--Rate quotes are meaningless.  Until your loan is locked and verified in writing, an interest rate quote is of no value.  Interest rates vary day-to-day, and often within the same day.  Until you have a specific property address and a closing date, a rate quote for a certain loan program is purely hypothetical.  Learn more...

--Your credit is a mystery.  Credit reporting is both complex and flawed.  Unless you have strong and virtually spotless credit, most lenders don't know how to deal with you.  Most take the attitude of "throw it against the wall and see if it sticks", which can cost you time, money, and heartache.  Learn more...

We know that one size does not fit all, and the same loan program is not appropriate for everyone.  Our mission is to find the right loan program to fit you and your family's short- and long-term goals. We will take the time to understand your unique situation and give you the information you require to make an informed decision about how your home fits into your financial future.

Here are some advantages of working with us:

*Highly competitive rates and low fees
*Superior service with guaranteed on-time closings and guaranteed estimates
*Thorough knowledge of all major loan programs, from Conventional to FHA, VA, and Texas Veterans

Feel free to apply online, browse our calculators and tools, learn about our loan programs, or check out the special programs that we offer.

We offer custom solutions for every residential mortgage financing situation. Whatever your residential financing needs, we will tailor a loan that's right for you:

• Purchase
• Refinance
• Construction
• Home Improvement
• Investment Properties
• Debt Consolidation Loans
• Stated Income Loans
• Damaged Credit Loans