Business Details
Trusted Mortgage Loan Solutions in Prosper, TX
At Horizon Lending Services, we bring over 25 years of diverse lending expertise to homeowners and investors across Arkansas, California, Florida, and Texas. Our team has worked with Fortune 500 companies, served on mortgage industry boards, and held executive roles in publicly traded firms, cultivating a deep understanding of complex financial landscapes. We specialize in offering a wide array of loan products, including fixed and adjustable-rate mortgages, FHA and VA loans, jumbo loans, and refinancing options, tailored to meet the unique needs of self-employed individuals, first-time buyers, and seasoned investors.Our commitment to honesty, superior customer service, and innovative financing solutions has earned us recognition as industry leaders. We pride ourselves on personalized guidance, leveraging our extensive experience to help clients achieve their homeownership and investment goals while maintaining transparency and ethical standards throughout the process.
Services
Conventional Loans
FHA Loans
VA Loans
Jumbo Loans
Refinance Options
Non-QM Loans
Reverse Mortgages
USDA Loans
Bridge Loans
Commercial Mortgages
Highlights and features
- We offer 25 years of mortgage industry expertise across diverse lending scenarios.
- Our team provides personalized guidance for self-employed borrowers and real estate investors.
- We deliver innovative financing solutions with no hidden fees or surprises.
- Our loan officers maintain industry certifications and ongoing professional development.
- We guarantee transparent communication throughout the entire mortgage process.
What people say
Incredible rate
BEST team
Smooth as possible
Patient explanations
Kept us updated
Services
Conventional Loans
Our conventional loan programs cater to borrowers seeking standard mortgage solutions with flexible down payment options. These fixed and adjustable-rate mortgages suit primary residences, investment properties, and second homes. We offer competitive pricing and streamlined underwriting for applicants with strong credit profiles and verifiable income documentation.
FHA Loans
FHA-insured loans provide accessible homeownership opportunities with lower credit score requirements and minimal down payments. We specialize in FHA 203k renovation loans and streamline refinance options. Our team guides first-time buyers through the entire process with personalized support and clear documentation requirements.
Non-QM Loans
Our non-qualified mortgage programs serve self-employed professionals and investors needing income verification beyond traditional W-2 forms. We accept bank statements, 1099s, and asset-based income verification for applicants with unique financial situations. These flexible solutions accommodate diverse property types and investment portfolios.
Jumbo Loans
We provide jumbo loan options for luxury properties and high-value investments up to $5 million. Our creative financing solutions accommodate non-traditional income streams while maintaining competitive rates. These programs specifically target self-employed borrowers and real estate investors seeking financing beyond conventional loan limits.
VA Loans
Our VA loan specialists help eligible veterans and active-duty personnel achieve homeownership with zero down payment requirements. We offer streamlined refinancing options and dedicated support throughout the VA-specific documentation process. These programs include competitive rates and no private mortgage insurance requirements for qualified applicants.
People
Scott Simmons
Mortgage Broker
Scott Simmons brings extensive mortgage expertise to first-time homebuyers and refinancing clients. His detailed approach helped numerous families achieve homeownership while maintaining clear communication throughout the loan process.
Marcus
Loan Officer
Marcus specializes in investment property financing and non-QM loan solutions. His strategic approach to complex transactions has earned recognition from real estate investors seeking creative financing options for portfolio expansion.
Questions
What mortgage loan options do you offer?
We provide conventional, FHA, VA, jumbo, USDA, reverse mortgages, bridge loans, and non-QM loans for residential and commercial properties.
Do you work with self-employed borrowers?
Yes, we specialize in non-traditional income verification using bank statements, 1099s, or profit-and-loss statements instead of tax returns.
Can first-time homebuyers get assistance?
We offer FHA loans with low down payments and conventional options with competitive rates specifically for first-time homebuyers.
Do you offer down payment assistance programs?
Yes, we have access to programs providing up to 100% financing to help qualified buyers overcome down payment challenges.
What states do you service?
We operate in Arkansas, California, Florida, and Texas with local expertise in major metropolitan areas across these states.
