Mortgage Lending Program
Mortgage Lending Program
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We realize each client is unique and as such have specific goals and needs. Whether you’re looking for
a primary residence, investment, office building, refinancing, or cashing out the equity in your home, we have the expertise to assist you. With good credit, less than perfect credit, even if you’ve experienced bankruptcy or foreclosure in the past, we say no problem! We specialize in all types of loans, HUD foreclosures, low down payment, foreign national loans, etc.
At Discovered Home Mortgage Lending our clients enjoy quick and efficient loan process, world class personal customer service, low down payment, down payment assistance program, and the benefit of our cutting-edge technology for the best values in mortgage lending.
We offer the following loan programs:
FHA:
This is a government loan that requires a minimum down payment of 3.5% and this loan
is reasonably priced. This allows more families to enjoy home ownership.
VA: This loan is for Veterans. They do not require any form of down payment once they are
eligible and no monthly mortgage insurance.
Conventional :
This is a loan that is not guaranteed by the government and conforms to loan
limits set by Freddie Mac and Fannie Mae. Loan limits changes from time to time and you can
get fixed or adjustable rate on this type of loan.
USDA:
This is another government backed loan program that requires no down payment for
rural development.
Refinancing:
This is when you refinance out of your current mortgage to change the terms of
your loan either for lower down payment or to pay your loan off sooner.
Cash Out:
This is when you access the equity you have built up over time in your home.
Down Payment Assistance Program:
We offer down payment assistance program to help low to
medium income families who may need help with their down payment. Income restrictions apply.
Applying For a Mortgage
Items to Provide:
Completed Loan Application below
W-2 statement for past 2 years
Pay stubs for the last 30 days
All employers information
Last 2 years tax return
Previous residence within 2 years
If any mortgage loans, provide mortgage statements or real estate-owned
Lease agreements for all rental properties
Banks statements for the last 60 days
If applicable, divorce decree
or child support documents
Signed copy of Purchase Agreement
Copy of existing Survey and insurance policy
Proof of US citizenship (Birth certificate, SS card, Driver’s license, copy of resident alien card)
We love real estate and it shows. Tell us about your real estate needs, and we’ll contact you.
NMLS Number: 284779TREC LIC #: 0516713
WHERE TO FIND US
800 BONAVENTURE WAY STE 107SUGAR LAND TX 77478
Recovery Fund Notice: "Consumers wishing to file a complaint against a company or a residential mortgage loan originators should complete and send a complaint form to the Texas Department Of Savings and Mortgage Lending, 2601 N Lamar, Suite 201, Austin, Texas 78705. Complaint forms and instructions may be obtained from The Department's website at WWW.SML.TEXAS.GOV. A toll free consumer hotlines is available at 1-877-276-5550.
The Department maintains a recovery fund to make payments of certain actual out of pocket damages sustained by borrowers caused by acts of licensed residential mortgage loan originators. A written application for reimbursement from the recovery fund must be filed with and investigated by the department prior to the payment of a claim. For more information about recovery fund, please consult the department's website at WWW.SML.TEXAS.GOV."