Getting approved is just a text message away
Even if you have been denied by another lender, we have special niche loan programs to get you approved an shopping.
Simply text us AT (830) 445-7143, to book your FREE 15-minute phone consultation.
Your Texas Trust Team
Call or Text:
(830) 445-7143
Stephen Roberts
Branch Manager
Mike González
Broker
Our simple 3-step process
At Texas Trust Mortgage, we guide you through the mortgage process with a personalized approach to secure the best mortgage for your goals.
Step 1: Let's Talk & Get to Know You
First, we schedule a quick phone call to personally understand your needs, timeline, and real estate goals.
This conversation ensures we’re the right fit to help you.
(830) 445.7143
Step 2: Complete Your Easy Application
Once we agree on the plan, we’ll email you a simple application link.
You can securely complete your mortgage application online at your convenience.
Step 3: See Your Best Options & Decide
We then shop your loan across 30+ lenders to find you the lowest total cost.
Finally, we meet over Zoom to visually walk you through every option, answer all your questions, and help you move forward with confidence.
Book Your Free Mortgage Consultation Call
Frequently Asked Questions
Q: Do I need to gather all my documents first?
A: Not for our initial conversation. We'll just talk through your situation to see what programs might fit. If you decide to move forward, we'll tell you exactly what documents you'll need.
Q: How is this different from just going to my bank?
A: Your bank shows you their one option. We show you options from 30+ lenders. It's like checking one restaurant menu versus seeing all the restaurants in town.
Q: Will you run my credit?
A: One step at a time . . . Our initial phone call will give you all the information you need to know if it makes sense for you to continue forward.
How We Turn A "No" From Another Lender To A "Yes"
Denial Reason: "Credit score too low"
Our Approach: "We work with lenders who consider the full credit story, not just the number. Some programs start at 580."
Denial Reason: "Debt-to-income ratio too high"
Our Approach: "We have lenders who use alternative calculations or offer debt consolidation options."
Denial Reason: "Self-employed with 1 year of tax returns"
Our Approach: "We access lenders who specialize in non-traditional income verification."
Denial Reason: "Previous bankruptcy or foreclosure"
Our Approach: "We know which lenders have flexible timelines for past credit events."