Contact a San Marcos Loan Officer by Phone
The phone is the one way to reach us. A loan officer answers your questions, walks through rate quotes and, when you are ready, can start pre-qualification or a full loan application.
Where we work
San Marcos, TX
Redwood, Kyle, Wimberley, New Braunfels, Lockhart, Buda
Hours
- Mon-Sun
- 8am-5pm
What Happens When You Call
We start with the purpose of the loan: a purchase, a refinance, a HELOC against existing equity, or an investment property. That choice decides which programs fit, from conventional and FHA to VA, USDA or bank statement loans. Then we ask about your income type, the down payment you have in mind and a rough credit picture, because those inputs drive the rate we can quote.
If you want to move forward, we explain whether a credit pull is needed and get your consent first. Rates move with the market and with your file, so we tell you what a quote assumes and what could change it before closing. We also cover the insurance a lender requires, such as a hazard policy and flood coverage when a property sits in a mapped flood zone, so it does not surprise you late in the process. We work by phone and video with borrowers in San Marcos, Kyle, Buda and New Braunfels.
What to Have Ready Before You Call
- Your two most recent pay stubs and W-2s, or, if you are self-employed, 12 to 24 months of business bank statements.
- A rough figure for your savings and the down payment you plan to use, plus which accounts hold those funds.
- For a refinance or HELOC, your current mortgage statement and an estimate of the property's value.
- If you are a veteran, your DD-214 or Certificate of Eligibility if you have it on hand.
Start With a Rate Quote
Tell us the loan you are considering and we will walk through the numbers by phone. If it makes sense, pre-qualification can follow in the same conversation.