Business Details
11 Years
experience
Trusted Mortgage Loan Options in El Paso, TX
Founded in 2015, we emerged from a personal challenge in securing a mortgage despite self-employment and credit scores in the 680 range. After a nine-month struggle, we established our brokerage to address gaps in traditional lending. Our team of seasoned loan officers specializes in tailored solutions for diverse financial situations, including credit challenges, bankruptcy, or self-employment. With expertise in FHA, VA, Conventional, and Non-QM loans, we prioritize understanding each client's unique needs to connect them with optimal financing.Proudly serving Colorado, New Mexico, and Texas, we've facilitated hundreds of successful home purchases and refinances. Our approach emphasizes transparency, education, and accessibility, with team members available evenings and weekends. We leverage both personal and business financial profiles to qualify borrowers, ensuring no client feels turned away without options. Our commitment to personalized service has earned consistent praise for responsiveness, patience, and problem-solving in complex cases.
Services
FHA Loans
VA Loans
Conventional Loans
Bank Statement Programs
Jumbo Loans
Investment Property Loans
Rehab Loans
Fix & Flip Loans
Cash-Out Refinancing
One-Time-Close Construction Loans
Details
- Year established: 2015
Highlights and features
- We specialize in loans for credit scores down to 500 and post-bankruptcy situations.
- Our team includes NMLS-certified loan officers with decades of combined experience.
- We offer 15+ loan programs including bank statement and jumbo loan options.
- Our process accommodates self-employed borrowers using alternative income documentation.
- We provide personalized support with evening and weekend availability.
What people say
BEST experience step by step
Made the process completely effortless
Treated me like I've known him forever
Proactive and knowledgeable
Delivered despite previous rejections
Services
FHA Loans
FHA Loans provide government-insured financing with 3.5% down payments and debt-to-income ratios up to 56.9%. Ideal for first-time buyers or those with moderate credit histories, these loans offer accessible homeownership opportunities. Our team specializes in navigating FHA guidelines to secure approvals for qualified borrowers.
VA Loans
VA Loans deliver 0% down payment options for veterans and active-duty personnel. Featuring competitive rates, no mortgage insurance requirements, and flexible credit standards, these loans honor military service through affordable homeownership solutions. We handle both purchase and refinance transactions for eligible applicants.
Bank Statement Programs
Bank Statement Programs qualify self-employed borrowers using personal or business bank statements instead of traditional W-2s. With down payments starting at 15%, this option accommodates 1099 contractors and business owners who reinvest profits. Our specialists simplify documentation for accurate income verification.
Investment Property Loans
Investment Property Loans finance vacation homes, rental units, and fix-and-flip projects with 15% down payments. We offer DSCR loans that qualify based on property cash flow rather than personal income. Our programs support both short-term renovations and long-term portfolio growth strategies.
Jumbo Loans
Jumbo Loans finance primary residences exceeding conventional loan limits ($806,500 in 2025). Available with 10% down payments, these loans cater to luxury home buyers or those in high-cost markets. We streamline underwriting for properties requiring larger financing amounts while maintaining competitive rate structures.
People
Paul Tomicek
Loan Officer
NMLS#1475120 with extensive experience in non-traditional lending. Specializes in helping borrowers with credit challenges and self-employment documentation. Recognized for 24/7 availability and personalized support through complex transactions.
Rebecca Tomicek
Loan Officer
NMLS#1863575 focused on first-time homebuyer education and FHA loan expertise. Known for patient guidance through each transaction phase, with particular strength in explaining complex mortgage concepts clearly to new buyers.
Wilson Mendez
Loan Officer
NMLS#2307386 offering specialized knowledge of Texas mortgage regulations. Assists clients with compressed timelines and unique property types. Maintains strong relationships with local title companies to expedite closing processes.
Alyssa Kane
Loan Officer
NMLS#2298253 skilled in bank statement programs and alternative income verification. Helps self-employed borrowers maximize qualifying potential through business financial documentation. Provides clear communication throughout the loan approval journey.
Jim Baca
Loan Officer
NMLS#1916627 with expertise in construction and rehab loans. Guides clients through one-time-close transactions for custom home builds or renovation projects. Understands local market nuances across served states.
Questions
What loan options exist for self-employed borrowers?
We offer Bank Statement Programs using personal/business financials for income verification. These 15% down payment loans accommodate 1099 contractors and business owners who reinvest profits.
Can I qualify with recent bankruptcy or foreclosure?
Yes, we specialize in post-bankruptcy (one-day) and post-foreclosure loans. FHA guidelines allow 3-year waiting periods, but we'll explore all options for early re-entry to homeownership.
Do you offer investment property financing?
We provide DSCR loans starting at 15% down that qualify based on property cash flow. Our programs support fix-and-flip, rental, and vacation home investments.
How do FHA loans differ from conventional options?
FHA loans require 3.5% down with 56.9% debt-to-income ratios, while conventional loans start at 3% down but require higher credit scores and no mortgage insurance at 20% equity.
What documentation is needed for approval?
Standard loans require W-2s/paystubs, while Non-QM programs use bank statements, 1099s, or business P&L. We'll specify requirements after reviewing your unique financial situation.
Are jumbo loans available in Texas?
Yes, we offer jumbo loans starting at 10% down for properties exceeding $806,500. These high-balance mortgages cater to luxury home buyers across our service areas.
