I'm Angel Rodriguez. I help first-time buyers, veterans, self-employed borrowers, and buyers with limited savings compare loan options, understand available assistance, and find a realistic path to homeownership.
As a mortgage professional and Texas real estate agent licensed since 1995, I understand how financing, contract terms, seller concessions, and timing work together.
Angel Rodriguez · NMLS #322455 · Loan Factory · Texas real estate license since 1995
You do not need a lecture about every mortgage product. You need to know what may fit, what it could cost, and what steps could make the purchase possible.
Your down payment is only one part of the money needed to buy a home. I help you review available down payment assistance, seller-paid closing costs, gift funds, and other permitted sources so you can understand the true cash requirement before making an offer.
Conventional, FHA, VA, USDA, and down payment assistance programs can produce very different payments and long-term costs. I explain the trade-offs in plain language. For eligible new-construction buyers, Smart Buyer Rebates may also provide a commission credit toward closing costs.
Self-employment, variable income, limited savings, recent credit challenges, or a previous lender denial do not always tell the whole story. I review the details, explain what can be documented, and identify realistic next steps without promising an approval.
A rehabilitation loan can combine the home purchase and approved renovation costs into one financing plan. I can help you understand whether the property, repairs, and available assistance programs may fit this type of loan.
I have worked with buyers who later returned to refinance, purchase another home, invest, or refer family members. Those relationships matter because mortgage guidance should not end when the closing documents are signed. My goal is to give you clear information, a realistic plan, and straightforward advice at every step.
Use the free prequalification tool to estimate your buying power, compare loan programs, and review possible monthly payments without a credit pull or required contact information.
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