tmg@rudyzarate.com
281-747-6699
Exclusive Realtor Event
Close More Deals in 2026
3.5% Down for Business Owners & VOE Only Loans
Learn how to qualify MORE buyers others are turning down
Wednesday, April 08 2026
11:00 AM – 1:30 PM
Casa Morales | 802 76th St, Houston, TX 77012
Reserve Your Seat (Limited Spots)
3.5% Business Owner Loan – Key Highlights
Qualify Without Tax Returns
Use P&L + balance sheet instead of tax returns—perfect for self-employed buyers who write off income.
Low Down Payment Advantage
Only 3.5% down required, making homeownership more accessible for true business owners.
Built for Established Business Owners
Requires a minimum 2-year business history with "Self-generated P&L" financials—ideal for licensed professionals like Realtors, CDL drivers, HVAC techs, electricians, cosmetology and more.
Strong but Flexible Qualification
Minimum 640 FICO with structured documentation—ideal for clients who don’t fit traditional lending.
VOE Only Loan – Key Highlights
No Paystubs Needed in Many Cases
Income is verified directly through VOE (Verification of Employment)—simplifying the approval process.
Lower Credit Threshold
Starting at 580 FICO, opening doors for more buyers to qualify.
Flexible Loan Options
Supports purchase, refinance, and cash-out, giving agents more ways to structure deals.
High Approval Potential
Allows higher DTI ratios (up to ~55%), helping more clients get approved.
Why Top Realtors Partner with Texans Mortgage Group
Top-producing agents don’t just look for a lender—they look for a deal-closing partner.
In today’s market, many buyers don’t fit traditional guidelines, which is where deals often fall apart. The agents who consistently win are those aligned with lenders who offer strategy, flexibility, and solutions—not just pre-approvals.
Texans Mortgage Group stands out by helping realtors navigate complex scenarios, from self-employed buyers to alternative income situations. By structuring deals upfront and identifying challenges early, they help keep more transactions on track.
Because in real estate, success isn’t just about getting contracts—it’s about getting them to the closing table.
💼 Close More Deals (Even the Tough Ones)
When others say no, we bring solutions.
3.5% down for business owners (P&L)
VOE-only approvals
Flexible options for non-traditional buyers
👉 Keep more deals alive and get them to the closing table.
📊 Stand Out as the Go-To Agent
Financing knowledge gives you a competitive edge.
Convert more leads
Build stronger client confidence
Win more offers
👉 Become known as the agent who gets deals done.
⚡Speed + Strategy = More Closings
When others say no, we bring solutions.
Identify issues early
VOE-only approvals
Flexible options for non-traditional buyers
👉 Keep more deals alive and get them to the closing table.
🤝 Real Partnership That Grows Your Business
We’re in it with you—beyond the transaction.
Deal strategy support
Scenario structuring
Consistent pipeline guidance
👉 More opportunities, more approvals, more income.
EVENT REGISTRATION
EVENT REGISTRATION
Address: 910 Fairmont Pkwy, Pasadena, TX 77504
COMPANY NMLS: 2716207
RUDY ZARATE | NMLS #262973 | Texans Mortgage Group LLC | NMLS #2716207
This is not a commitment to lend. All loans are subject to credit approval.
All Rights Reserved.
tmg@rudyzarate.com
Our Pasadena, TX Office:
(281) 747-6699
Operating Hours:
Mon 08:30 am – 05:30 pm
Tue 08:30 am – 05:30 pm
Wed 08:30 am – 05:30 pm
Thu 08:30 am – 05:30 pm
Fri 08:00 am – 05:00 pm
Weekends Closed
