Your home purchase, mapped out from day one.
We turn a confusing process into a clear path. From the first call to the keys in your hand, you always know where your file stands and what comes next.
5.0 · 46 reviews
Across 4 platforms
200+
families helped
NMLS #2579601
Licensed in TX & FL
What would you like to do?
You don’t need to know loan names. Start with your situation.
I’m buying my first home
Understand the process and explore ways to get started with your down payment.
More specific options
None of these quite fit? That's normal.
Most situations don't fit a box. Tell us your story in your words and we'll find the path that actually fits you.
How the process unfolds.
A simple first conversation
Share what you’re hoping to buy and what feels uncertain. We listen first and answer in plain English or Spanish, your choice.
We dig into your numbers
A loan officer studies your income, credit profile, and paperwork, then identifies which programs you actually qualify for.
A clear path forward
You walk away knowing your next moves, what’s already solid, what still needs attention, and a team keeping everything on track.
Who we help every day.
First-time buyers
Buying your first home can feel overwhelming. We take it step by step, explain every detail, and answer every question without rushing you.
Growing families
Selling one home while buying the next takes careful timing. We help you line up both sides so nothing falls through the cracks.
Investors
Rental properties, second homes, and multi-unit deals each have their own rules. We make sure your file matches what the program demands.
ITIN borrowers
We guide ITIN clients through the paperwork and program choices in clear, straightforward terms, in English or Spanish.
What to bring, and how long it takes.
Documents to have ready
ID & ITIN/SSN
Government-issued photo ID and your tax ID.
30 days of pay stubs
Or 2 years of tax returns if self-employed.
2 months of bank statements
All accounts, to verify funds for closing.
2 years of tax returns
W-2 or 1099, plus K-1s if applicable.
How long it takes
Day 1 — First conversation
We review your goals and pull together a plan.
Days 2-5 — Pre-approval
A loan officer reviews your file and issues your letter.
21-30 days — From contract to close
Once you have an accepted offer, we move fast.
Don't have everything yet? That's fine. We tell you exactly what's missing and how to get it.
The engineer who became your mortgage advisor.
Liuver Duran spent 20+ years as a software engineer before pivoting to mortgages. He brings a systems-thinking mindset to an industry that rarely sees it, building real tools that make the process transparent, fast, and stress-free.
- NMLS #2579601 — Licensed in TX & FL
- Bilingual guidance, in English or Spanish
- Founder of Elit3 Estate (2025) — the elite community for Hispanic realtors
- Founder of NeverLost CRM (2026) — the CRM built for realtors & loan officers
- Leader of The Trusty Lender team (founded 2025)
Eight ways to get you into a home.
Each one has its own rules. We match your file to the program that actually fits, not the one that sounds easiest.
Specialized options for every situation.
Which Loan is Right for You?
Answer a few quick questions to discover which loan program matches your situation.
Step 1 of 7
What type of property are you purchasing?
Mortgage Payment Calculator
Pick a traditional program — FHA, Conventional, VA, USDA or Jumbo — and adjust the price, down payment and rate to see your estimated monthly payment.
Monthly Payment Calculator
Choose your loan program. Minimum down payment and daily rate adjust automatically.
Loan Program
⚠ PMI/MIP will be added (less than 20% down).
Estimated Monthly Payment
$2,573
PITI + PMI/MIP
- Principal & Interest
- Property Tax
- Insurance
- PMI/MIP
Loan Program FAQ
Common questions about our loan programs
Ready when you are.
Pick a time for a quick call, or start your application now. We’ll review your numbers and come back with a clear next step.
Your next step