Business Details
15 Years
experience
Your Trusted Mortgage Lender in Dallas, TX
At Absolute Mortgage & Lending, we are dedicated to providing exceptional mortgage and lending services tailored to meet the unique needs of our clients. Founded in 2011, our team of experienced professionals is committed to delivering personalized solutions, whether you're purchasing a home, refinancing, or seeking commercial financing. We specialize in a wide range of loan programs, including conventional, FHA, VA, USDA, and non-qualified mortgages, ensuring flexibility for diverse financial situations. Our process emphasizes transparency, efficiency, and client education, guiding you from initial consultation through final closing with expertise and integrity.With over 38 active markets and 16+ branch locations, we combine local market knowledge with national resources to serve clients across the United States. Our core values prioritize client satisfaction, evidenced by our track record of timely closings and positive testimonials from repeat customers. We pride ourselves on innovative problem-solving, particularly for complex lending scenarios, and maintain rigorous compliance with industry standards to ensure trust and reliability. As a dba of AML Funding, LLC, we uphold a legacy of excellence, aiming to be the mortgage lender our clients turn to for life.
Services
Conventional Loans
FHA Loans
VA Loans
USDA Loans
Construction Loans
Renovation Loans
Non-Qualified Mortgages
Commercial Loans
Jumbo Loans
Down Payment Assistance
Details
- Year established: 2011
Highlights and features
- We offer personalized mortgage solutions tailored to individual needs.
- Our team specializes in complex lending scenarios and non-qualified mortgages.
- We provide competitive rates and flexible loan programs for all borrowers.
- Our streamlined process ensures timely closings and exceptional efficiency.
- We maintain a client-centric approach with 24/7 support and transparency.
What people say
Great experience
Knowledgeable, professional team
Smooth transactions
Determination, attention to detail
Excellent customer service
Services
Conventional Loans
Conventional loans are ideal for borrowers seeking flexible terms without government insurance. These mortgages follow guidelines from Fannie Mae or Freddie Mac, offering conforming and non-conforming options. They require a minimum 5-20% down payment, with competitive rates based on creditworthiness. Perfect for primary residences, investment properties, or second homes.
FHA Loans
FHA loans provide accessible financing for first-time buyers with lower credit scores or limited down payments. Insured by the Federal Housing Administration, they allow down payments as low as 3.5% and lenient debt-to-income ratios. Ideal for those rebuilding credit or entering the housing market.
VA Loans
VA loans offer zero-down payment options to eligible veterans, active-duty service members, and surviving spouses. Backed by the Department of Veterans Affairs, these loans feature competitive rates, no private mortgage insurance, and flexible qualifying criteria. Designed to honor service with homeownership opportunities.
Non-Qualified Mortgages
Non-QM loans cater to borrowers with unique financial profiles who don't meet standard underwriting criteria. Using asset verification, bank statements, or foreign credit, these loans accommodate self-employed individuals or those with non-traditional income. Flexible terms for unconventional lending needs.
Construction Loans
Construction loans fund custom home builds or major renovations. These short-term loans cover land purchase, materials, and labor, converting to permanent financing upon completion. Tailored for developers or homeowners seeking to construct their dream properties.
Questions
What types of loans do you offer?
We provide conventional, FHA, VA, USDA, jumbo, non-qualified, construction, and renovation loans, along with down payment assistance programs.
Can I qualify for a mortgage after bankruptcy?
Yes. For Chapter 7, we require 4+ years post-discharge; Chapter 13 needs 2+ years of re-established credit.
Do you offer low-down-payment options?
FHA loans require 3.5% down, VA/USDA loans offer zero down, and conventional loans start at 5%.
How does your loan process work?
Our six-step process includes consultation, document verification, appraisal, underwriting, final approval, and closing, with clear communication at every stage.
Are there prepayment penalties?
No. We do not charge prepayment penalties on any of our loan products.
What credit score is needed for approval?
Minimum 620 for conventional loans; FHA accepts scores as low as 580 with compensating factors.
