See Our Loan Programs

Unlock your Texas dream home with our trusted home loan services! Explore your options below and learn more.

Explore a wide array of loan programs

*All loans subject to qualifying factors. Not all applicants will qualify.

Jumbo

A jumbo loan is a mortgage used to finance properties that are too expensive for a conventional conforming loan. The maximum amount for a conforming loan is $548,250 in most counties, as determined by the Federal Housing Finance Agency (FHFA). Homes that exceed the local conforming loan limit require a jumbo loan.

VA Loan

The VA Loan provides veterans with a federally guaranteed home loan which requires no down payment. This program was designed to provide housing and assistance for veterans and their families.

FHA

FHA home loans are mortgages which are insured by the Federal Housing Administration (FHA), allowing borrowers to get low mortgage rates with a minimal down payment.

USDA

USDA loans are low-interest mortgages with zero down payments designed for low-income Americans who don't have good enough credit to qualify for traditional mortgages. You must use a USDA loan to buy a home in a designated area that covers several rural and suburban locations.

Piggy Back

A piggyback loan, also referred to as an 80/10/10 loan, involves two loans: one for 80 percent of the home price and another for 10 percent.

HELOC

HELOCs are revolving sources of funds, much like a credit card, that you can access as you choose.

Conforming

As the name implies, a conforming loan “conforms” to a set of standards put in place by the Federal Housing Finance Agency (FHFA), which includes guidelines around credit, debt and loan size.

Construction

A construction loan can be a good financing choice — especially a construction-to-permanent loan, which converts to a traditional mortgage once you move into the residence.

Renovation

These loans combine the costs of purchasing and renovation into one mortgage. If you want to purchase a home that needs major work, you could use a renovation loan.

Interest Only

With an interest-only mortgage, the borrower makes interest-only payments for a set period – usually five or seven years — followed by payments for both principal and interest. You won’t build equity as quickly with this loan, since you’re initially only paying back interest.

FHA 203(k)

An FHA 203(k) loan is a mortgage product insured by the Federal Housing Administration that allows homebuyers to borrow enough money to cover both the cost of the home and the price of necessary repairs, including labor and materials.

Land/Lot

A land loan is a type of credit that is used to finance the purchase of a plot of land. It’s sometimes called a lot loan.

Fix n Flip

Fix-and-flip is the strategy of purchasing a property, renovating it, then selling it at a profit. Investors typically buy a property at a discount because of its condition. It might have lapsed into disrepair due to abandonment or because the current owner couldn't pay for the upkeep.

Gift of Equity

A “gift of equity” refers toa gift provided by the seller of a property to the buyer. The gift represents a portion of the seller's equity in the property, and is transferred to the buyer as a credit in the transaction.

Hear What Our Clients Say

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Sara Acosta

Great experience! After talking to 2 lenders before Rudy and his team we were denied and all I was told was “get back to us when you are ready.” Rudy on the other hand walked us through it and helped us increase our credit score and advised us on other credit accounts on where they needed to be! He literally took his time and helped us tremendously! Definitely dont think twice about going with him. Never had trouble getting a question answered and they were on top of loan application process!

Izzy Zamora

Hands down I strongly recommend Rudy and his team! Very professional and their timing is on point. Made it such an easy process. Rudy is the real deal, anybody that uses his services knows that it never disappoints. Definitely a 5 out 5 Rating 💪🏾 Thank you for what you do. 🙏🏾🙏🏾🙏🏾🙏🏾

Marlene Herrera

Rudy and his team did a fantastic job, and they go above and beyond with their customer service and follow-up.I would gladly recommend Rudy and his team to a friend or family member.

Melissa Pompa

My clients have been using Rudy Zarate to get a home loan for 6+ years and he has closed every single one! Thank you for all your help! Your very much appreciated. 😊. #makinghomeownershippossible

Address: 16821 Buccaneer Lane, Suite 200, Houston, TX 77058

COMPANY NMLS: 181106

RUDY ZARATE | NMLS #262973 | Barrett Financial Group, L.L.C. | NMLS #181106

View complaint policy at www.barrettfinancial.com/texas-complaint

This is not a commitment to lend. All loans are subject to credit approval.

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All Rights Reserved.

Our Houston, TX Office:

(281) 747-6699

Our McAllen, TX Office:

(956) 255-0454

Operating Hours:

  • Mon 08:30 am – 05:30 pm

  • Tue 07:30 am – 04:30 pm

  • Wed 07:30 am – 04:30 pm

  • Thu 08:30 am – 05:30 pm

  • Fri 07:30 am – 04:30 pm

  • Weekends Closed

275 E Rivulon Blvd, STE 200,

Gilbert, AZ 85297

480-459-4500

loans@barrettfinancial.com