Texas Mortgage Broker — Options Home Loans NMLS #2221613
Texas · Licensed Mortgage Broker
Texas Mortgage Broker
Options Home Loans helps Texas buyers and homeowners compare FHA, VA, conventional, DSCR investor, bank-statement (non-QM), and refinance options — all through a single licensed broker with access to rates from multiple lenders.
Principal broker Kevin Vu (NMLS #2221613) works directly with every client from application to closing — with a personalized approach tailored to each borrower's situation.
In addition to Texas, Kevin is licensed in California, Colorado, Florida, Washington, and Georgia — making Options Home Loans a strong fit for borrowers relocating between states or investing across multiple markets.
Multiple
Wholesale Lenders
Fast Process
Pre-Approval
#2221613
NMLS
Multi-State
States Licensed
Loan Programs Available in Texas
From first-time buyer programs to investor financing, Options Home Loans offers a full range of mortgage options for Texas borrowers.
FHA Loans
FHA loans are a popular choice for Texas first-time buyers and those with lower credit scores. With flexible down payment options and qualifying guidelines, FHA financing opens doors in markets like Houston, Dallas, and San Antonio.
Learn about FHA Loans →VA Loans
Texas has a strong military and veteran community. VA loans offer significant benefits for eligible active-duty service members, veterans, and surviving spouses — including no down payment and no private mortgage insurance requirements.
Learn about VA Loans →Conventional Loans
Conventional financing through Fannie Mae and Freddie Mac is available for primary residences, second homes, and investment properties across Texas. Various down payment options are available depending on the loan program and borrower qualifications.
Learn about Conventional Loans →DSCR Investor Loans
Texas real estate investors can qualify based on a property's rental income rather than personal W-2 income. DSCR loans are ideal for Houston, Dallas, and Austin rental properties — no tax returns required.
Learn about DSCR Loans →Non-QM / Bank Statement Loans
Self-employed Texas borrowers can qualify using 12–24 months of bank statements instead of tax returns. These non-QM programs are designed for business owners, freelancers, and entrepreneurs whose tax returns understate income.
Learn about Bank Statement Loans →Refinance
Whether you want to lower your rate, shorten your term, or access equity, Options Home Loans offers refinance options for Texas homeowners — including rate-and-term, cash-out, and streamline refinances.
Explore Refinance Options →First-Time Homebuyers in Texas
Texas is one of the most active housing markets in the country, with strong demand in Houston, Dallas-Fort Worth, Austin, San Antonio, and the surrounding suburbs. For first-time buyers, navigating loan programs, down payment requirements, and lender options can feel overwhelming.
Options Home Loans walks first-time Texas buyers through every available program — FHA loans with flexible down payment options, conventional loan programs, and VA loans with no down payment requirement for eligible veterans. We also review down payment assistance programs that may be available in your county.
The most important step is getting pre-approved before you start shopping. A pre-approval letter shows sellers you are a qualified buyer and gives you a clear picture of your budget.
Why Work With a Wholesale Mortgage Broker in Texas?
Retail banks and direct lenders set their own rates and can only offer their own products. A wholesale mortgage broker like Options Home Loans shops your loan across multiple lenders simultaneously — giving you access to rates and programs that are not available at a single bank.
This matters in Texas, where the market moves quickly and loan scenarios vary widely. A self-employed buyer in Austin, a veteran purchasing in San Antonio, and an investor buying a rental in Houston all have different needs — and the right lender for each scenario is rarely the same.
At Options Home Loans, Kevin Vu reviews every file personally. You work directly with the principal broker from application to closing.
Multiple wholesale lenders
Access to a range of programs
Direct broker access
Kevin Vu on every file
Fast pre-approval process
Move quickly in TX markets
Texas Mortgage FAQ
Other States We Serve
Ready to Get Started in Texas?
Get pre-approved or request a free rate quote. No credit impact, no obligation — just a clear picture of your options.
NMLS #2221613 · Licensed Mortgage Broker · Equal Housing Lender