How long does mortgage pre-qualification take?

The pre-qualification process is very fast. Once you submit your basic information, you can get a response and your letter in minutes, 100% digitally.

Can I get a mortgage with an ITIN instead of an SSN?

Yes. We offer specialized ITIN mortgage programs. We evaluate your employment history and payment capacity to find the best option.

Can self-employed borrowers qualify for a mortgage?

Yes! Self-employed individuals can qualify through Bank Statement programs or using net income from tax returns over the last two years.

What credit score do I need to buy a house?

Generally a minimum of 620 for conventional programs. FHA loans may allow scores from 580. ITIN and Non-QM programs have different requirements.

What states do you serve?

We are licensed in Texas, Florida (MBR6524), Oklahoma (MB016008), and California (60DBO-186180). Investment property loans available in 30+ states.

Houston mortgage broker

A Houston mortgage broker who works for you, not for one bank.

One application, multiple wholesale lenders, and a licensed loan originator who explains every step in plain English or Spanish.

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What a broker changes for you

Your file, compared

A bank can only offer its own products. As a broker, we compare your scenario across multiple wholesale lenders and bring back the options worth discussing.

Built for real situations

Self-employed income, ITIN, investment properties or credit that is still growing. These are files we work every week.

Plain language, both languages

Every step explained clearly, in English or Spanish, from the first question to closing day. No pressure and no implied approvals.

Programs we can arrange in Houston

FHAFlexible credit guidelines and a lower down payment path.ConventionalMortgage insurance that can come off later.VAOptions for eligible veterans and service members.ITINA path to homeownership without a Social Security number.Self-employedQualify with bank statements or business income.DSCR / InvestorQualify on the property’s rental cash flow.Down payment assistancePrograms that may help with your upfront cash.

Local to Houston

Office: 16420 Park Ten Pl, Houston, TX 77084
Phone: +1 (832) 979-0932
Languages: English and Spanish
Licensing: Liuver Duran NMLS #2579601 · Sociable Mortgage LLC NMLS #2498240

Houston guide Cypress Katy First-time buyers in Houston

Questions Houston buyers ask

What does a mortgage broker in Houston do?

A broker takes one application, reviews your full file and compares loan options across multiple wholesale lenders to find a structure that may fit your situation. You keep one licensed point of contact from the first question to closing.

How is a broker different from my bank?

A bank offers only its own products. A broker can shop your scenario across several lenders, which matters most when your file is not standard. Eligibility always depends on your full file.

Do you work with Spanish-speaking buyers?

Yes. You can complete the whole process in Spanish or English, with the same licensed loan originator.

What areas do you serve?

We are based in Houston and serve the Greater Houston area and the rest of Texas. We are also licensed in Florida.

Does talking to you affect my credit?

An initial conversation does not. A credit check only happens with your authorization when you move forward with an application.

Know where you stand before you shop.

Share your goals and we will tell you which programs may fit. Free, no obligation.

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Educational content only. Not a commitment to lend or an offer of credit. All loans are subject to credit approval, income and asset verification, and property appraisal. Sociable Mortgage LLC is a licensed mortgage broker, not a lender. Equal Housing Opportunity.

Your next step

Let’s move forward, one step at a time.

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