Business Details
14 Years
experience
Trusted Mortgage Brokers in Kaufman, TX
Achieva Mortgage Funding was founded in 2012 with a clear mission to provide innovative second lien mortgage solutions that empower borrowers to achieve their financial goals. Our team works collaboratively with over 100 Texas-based first lien mortgage lenders to design customized financing strategies that address both immediate and long-term needs. We specialize in purchase money loans, rate/term refinancing options that eliminate costly mortgage insurance premiums, and jumbo split loan structures that optimize interest rates for our clients. With a focus on the Houston and San Antonio markets, we are expanding our network of lending partnerships to deliver these proven solutions to more communities across Texas.Our approach combines deep industry expertise with a commitment to fiscal responsibility, ensuring every borrower receives tailored guidance that aligns with their unique circumstances. Backed by our NMLS #849587 licensing and decades of collective experience, we maintain strict compliance with all state and federal regulations while prioritizing transparent communication throughout the lending process. Our philosophy of 'Start Fast. Finish Strong. Have Fun Along the Way!' reflects our dedication to making complex mortgage transactions efficient, educational, and stress-free for every client we serve.
Services
Second Lien Mortgages
Purchase Money Loans
Rate/Term Refinancing
Jumbo Split Loans
Mortgage Insurance Solutions
Details
- Year established: 2012
Highlights and features
- We partner with 100+ Texas first lien mortgage lenders to offer comprehensive financing options
- Our jumbo split loan structures optimize interest rates for high-value properties
- Specialized rate/term refinancing eliminates costly mortgage insurance premiums
- Proven expertise serving Houston and San Antonio markets since 2012
- NMLS-licensed professionals maintain strict compliance with all state regulations
Services
Second Lien Mortgages
Our second lien mortgage solutions help Texas borrowers access additional financing while maintaining their primary mortgage. These loans can be used for debt consolidation, home improvements, or investment property purchases. We work with multiple lenders to find competitive rates and terms that fit each borrower's financial situation.
Rate/Term Refinancing
This refinancing option helps qualified borrowers eliminate private mortgage insurance (PMI) payments by restructuring their loan when they've achieved sufficient equity. We analyze each case to determine the optimal timing and structure for refinancing, potentially saving thousands in annual insurance costs while maintaining favorable interest rates.
Jumbo Split Loans
Our jumbo split loan structures divide large mortgage amounts into conforming and non-conforming portions to secure better overall interest rates. This innovative approach benefits borrowers purchasing high-value properties in Texas markets, combining the advantages of conventional financing with customized loan terms for amounts exceeding standard limits.
Purchase Money Loans
We provide second lien financing options for homebuyers needing additional funds beyond their primary mortgage. These loans help qualified buyers meet down payment requirements or cover closing costs while maintaining competitive rates. Our Texas-based lending network allows us to offer flexible terms tailored to local real estate markets.
Mortgage Insurance Solutions
Our specialized refinancing programs help Texas homeowners remove costly mortgage insurance premiums through strategic equity management. We evaluate each borrower's current loan-to-value ratio and financial profile to determine the most effective path to PMI elimination, often combining second lien structures with primary mortgage adjustments.
People
Todd A. Beasley
Residential Mortgage Loan Originator
Licensed mortgage professional with extensive experience in Texas residential lending. Holds NMLS #491040 and specializes in creating customized financing solutions that help borrowers achieve their homeownership and investment goals through strategic second lien structures.
Melissa Strickland
Residential Mortgage Loan Originator
Experienced loan originator with NMLS #1174143, focused on delivering innovative mortgage solutions to Texas borrowers. Combines deep market knowledge with personalized service to help clients navigate complex financing options while maintaining strict compliance with state regulations.
Questions
What mortgage products does Achieva Mortgage Funding offer?
We specialize in second lien mortgage loans including purchase money financing, rate/term refinancing options that eliminate mortgage insurance premiums, and jumbo split loan structures designed to optimize interest rates for Texas borrowers.
How can Achieva help reduce my mortgage costs?
Our rate/term refinancing solutions help eliminate costly mortgage insurance premiums while our jumbo split loan structures minimize interest rates on high-value properties, creating significant long-term savings for qualified borrowers.
Which areas do you serve in Texas?
We currently operate throughout Texas with a focus on expanding our lending partnerships in the Houston and San Antonio metropolitan areas to better serve local communities.
What makes Achieva different from other mortgage brokers?
We combine NMLS #849587 licensing with partnerships across 100+ Texas lenders to offer customized financing solutions, maintaining our 'Start Fast. Finish Strong.' philosophy while ensuring full regulatory compliance.
How do I file a complaint about mortgage services?
Texas residents can file complaints with the Department of Savings and Mortgage Lending at 2601 North Lamar, Suite 201, Austin, TX 78705 or visit www.sml.texas.gov for recovery fund information.
