Most loan programs require a minimum credit score of 580 for FHA, but a 620 or higher opens the door to Conventional loans with better terms. Some jumbo and non-QM loans may require 680+.

You can buy a home in Houston with as little as 3% down for Conventional loans or 3.5% down for FHA. VA and USDA loans allow 0% down if eligible.

Your monthly payment typically includes principal, interest, property taxes, homeowners insurance, and sometimes mortgage insurance (PMI).

Pre-qualification means the borrower’s credit, income, and assets have been reviewed and automated underwriting has been performed and accepted pending verification of the data.  Pre-Approval means that the borrower’s information has been verified and physically reviewed by an underwriter and we have received a conditional approval/commitment from the Lender. 

Many buyers use FHA, VA, or Conventional financing. For investors or self-employed buyers, DSCR and Bank Statement loans are strong options. We also offer Non-QM solutions.

Yes… buyers may qualify for programs like TSAHC, the City of Houston HAP, and MCC tax credits. These can reduce cash needed at closing.

Home prices in Greater Houston have increased ~20% since 2020. The average home price is now around $370,000 as of mid-2025.

We help clients across a range from $250,000 to over $1M. The sweet spot for many of our clients is between $400K and $800K.

Not at all. Most of our clients buy with far less… often 3% to 5% down.

FHA loans are great for lower credit and smaller down payments. Conventional loans reward stronger credit with lower PMI.

Yes. We work with buyers carrying $50K to $150K+ in student loans. We help structure the file around IBR payments, deferments, and proper DTI.

Debt Service Coverage Ratio loans are for investors. They qualify based on the property’s income… not your personal income.

Non-Qualified Mortgage loans are flexible options for self-employed or high-net-worth clients. We use assets, bank statements, or P&Ls to qualify.

It’s a seller-paid strategy that temporarily lowers your rate for 2 years. Great for affordability.

Absolutely. We offer multiple options including Bank Statement, P&L-only, and traditional full-doc depending on your situation.

Depending on the loan, we may use tax returns, bank statements, 1099s, or CPA-prepared P&Ls. We help you prep the file cleanly.

Yes. We calculate rental income from leases or projected rents. DSCR loans qualify based on property cash flow alone.

This program qualifies self-employed buyers using 12-24 months of business or personal bank deposits… no tax returns required.

It depends on your goals. If you need cash out, want to remove PMI, or shorten your term, now may be the right time.

You buy the home at today’s price, then refinance when rates improve. The key is setting up the current loan smartly.

If you have 20% equity or more, you may be eligible to drop PMI… or refinance into a PMI-free loan. We’ll run the numbers for you.

We offer a yearly checkup to make sure your loan still fits your goals. It’s free and includes a custom refinance or move-up strategy.

We help your buyers win offers with verified pre-approvals, fast closings, and proactive communication.

We fully document the file upfront and issue strong, underwriter-ready letters. We also call the listing agent to advocate for your client.

Always. That one call makes your buyer’s offer stand out. We explain the strength of the file and build agent confidence.

Yes… we coach you on seller-paid strategies that attract more buyers without reducing price.

All loan approvals, credit score requirements, and down payment minimums vary by lender, loan type, and borrower profile. This is for educational purposes and does not constitute a guarantee of qualification.

ProLending Mortgage, LLC (NMLS #262563) is a licensed mortgage broker. Not a direct lender. Loan products and eligibility are subject to lender approval. Not all applicants will qualify.