Your home is more than a purchase - it’s your foundation.

At Limitless Lending, we guide you step-by-step, simplify the process, and help you get approved with confidence.”

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Who It's For

First-time homebuyers
Move-up buyers looking for their next home
Homeowners looking to refinance
Veterans eligible for VA loans
W2 Employee
Contractor/1099
Self Employed

How It Works

What To Expect

Mortgage Loan Options

FHA Loans

The Federal Housing Administration insures this loan. FHA loans are popular for first-time homebuyers. It allows borrowers to finance homes with down payments as low as 3.5%. This option suits those who may not have saved enough for a more significant down payment. This loan option grants people with a lower credit score the opportunity of owning a home.

Conventional Loans

Conventional loans are originated, backed, and serviced by private mortgage lenders. Conventional loans are categorized as conforming and non-conforming under the Federal National Mortgage Association (Fannie Mae) guidelines and the Federal Home Loan Mortgage Corporation (Freddie Mac).

Veteran Loans

VA loans are backed up by the U.S. Department of Veteran Affairs. This loan option may offer lower interest rates and no down payment for active military personnel, veterans, and eligible surviving spouses to become homeowners.

USDA Loan

A USDA home loan is for low- and moderate-income homebuyers in predominantly rural areas. USDA loans are part of a national program created by the U.S. Department of Agriculture to help create loans for first-time homebuyers or people who don’t meet conventional mortgage requirements.

Jumbo Loans

Jumbo loan is a mortgage used to finance properties that that exceeds the limits of $ set by the Federal Housing Finance Agency (FHFA).

Non-QM Loans

Loan Terms & Cost

30-Year Fixed Rate

The 30-year fixed-rate mortgage loan is the most common term option. It gives you lower monthly payments if you plan to live in your home long-term.

15-Year Fixed Rate

A 15-year fixed rate mortgage loan offers a lower interest rate and higher monthly payments. This term allows you to build equity and repay your loan much fast

Down Payment

Conventional Loan 3% – 20%
FHA 3.5%
Non-QM 10% – 25%
Jumbo 10% – 20

Closing Cost

Closing costs are not one fee—they’re a combination of multiple line items: Lender Fees, Title & Escrow, Government Fees, Prepaids & Escrows

Conventional 2% – 5%
FHA 2% – 6%
VA 1% – 4%
USDA 2% – 5%
Jumbo and Non-QM 2% – 5% +

Do you need additional information?

Frequently Asked Questions

What is the difference between pre-qualification and pre-approval?

The pre-qualification is an initial estimate based on information provided by the client. A pre-approval is a more in-depth review of your credit and income documentation that confirms how much the lender will lend you. This is important for making competitive offers in the market.

What documents do I need to apply for a mortgage?

Depending on the loan program, several documents are required. You will need income documents such as pay stubs, W-2s, 1099s, tax returns, bank statements, investment account statements, and brokerage account statements, ready.

How long does it take to close a loan?

The process takes 30 to 45 days, depending on the loan and how fast the borrower provides documentation.

What is the minimum credit score?

Conventional Loans: 620 or higher
FHA 580 (3.5% down payment), 500-579 (10% down payment)

VA and USDA don’t have a set minimum. However, lenders may set their own limits.

Let’s work together

Whether you're purchasing your first home, expanding your investment portfolio, or funding a ground-up construction project, the right financing strategy makes all the difference.

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12337 Jones Rd Suite 224, Houston, TX, 77070

Limitless Lending & Investments, LLC is a state-licensed mortgage brokerage. NMLS ID #2394452. To verify licenses, visit www.nmlsconsumeraccess.org

TEXAS RESIDENTS: CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A MORTGAGE COMPANY OR RESIDENTIAL MORTGAGE LOAN ORIGINATOR LICENSED IN TEXAS SHOULD SEND A COMPLETED COMPLAINT FORM TO THE DEPARTMENT OF SAVINGS AND MORTGAGE LENDING (SML): 2601 N. LAMAR BLVD. SUITE 201, AUSTIN, TEXAS 78705; TEL: 1-877-276-5550. INFORMATION AND FORMS ARE AVAILABLE ON SML’S WEBSITE: SML.TEXAS.GOV.

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