Get The Best Mortgage Rate In Texas — Without Doing The Legwork Yourself
Speak directly with a top 100 mortgage broker
Shop and compare rates across multiple lenders so you get the best deal for your situation
Walk away with clarity, confidence, and a plan to own your own home
100% Privacy, No Spam, No Charges.
Why Texan Buyers Work With Us
Shop Every Lender. get the best rate for your situation.
Compare loan options across multiple lenders, not just one banks's menu
FHA,VA Conventional, HELOC, USDA and more, all in one place
We find the program that fits your income, timeline and goals
One Person Handles Everything, Start to finish
No handoffs, no getting bounced between departments
Recieve personalized guidance based on your unique situation
No question is too dumb. He's worked with hundreds of Texas Families just like yours
Zero-Risk Process
No upfront fees or hidden costs
No selling, no gimmicks, just a genuine conversation with real, helpful answers
You do not pay a cent for our services, even if you decide not to progress or your application is rejected
100% Privacy, No Spam, No Charges.
MEET THE BROKER HELPING TEXANS BUY WITH CONFIDENCE
Elmer Salazar is a Houston-based mortgage broker who helps Texas families get into homes without the runaround, the confusion, or the endless waiting.
Whether you're buying your first home, refinancing, or just trying to figure out what you actually qualify for — Elmer handles everything personally. No handoffs. No call centers. Just one person who knows your file, answers your calls, and gets the deal done.
He works with buyers across Houston and Waco, shopping multiple lenders to find the best rate and program for your specific situation. First-time buyer, move-up buyer, FHA, VA, conventional — he does it all, and he does it right.
100% Privacy, No Spam, No Charges.
STILL NOT SURE?
Frequently Asked Questions
TAILORED TO CLIENTS COMMON FAQ
What credit score do I need to qualify for a home loan in Texas?
It depends on the loan type. For FHA loans, you can qualify with a score as low as 580 with a 3.5% down payment. For conventional loans, most lenders want to see 620 or higher. The better your score, the better your rate — but don't count yourself out before we talk. Book a call and we'll tell you exactly where you stand.
How is working with Elmer different from going to my bank?
Your bank can only offer you their own loan products. Elmer works with multiple lenders, which means he shops on your behalf to find the rate and program that actually fits your situation — not just what's available on one menu. You get more options, more transparency, and someone who's actually in your corner.
How long does the mortgage process take?
From your first conversation to closing, most purchases take 30 to 45 days. The biggest factor in speed is how quickly documents are gathered and submitted. Elmer walks you through exactly what's needed upfront so nothing slows you down at the worst possible moment.
Does it cost anything to get pre-approved or book a consultation?
No. The initial consultation is completely free and there's zero obligation. You'll walk away knowing what you qualify for, what your options look like, and what your next step should be — whether you move forward with Elmer or not.
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