832-997-1527 [email protected]
Houston Mortgage Specialist · NMLS #2522494

Houston Loan Officer for Self-Employed Buyers and Real Estate Investors

I've helped hundreds of borrowers across many industries qualify for their homes through the right programs. From first-time homebuyers to seasoned investors, I have a program for you.

Get Pre-Approved Start Your Application Call 832-997-1527
Brandon Huynh, Houston loan officer Brandon Huynh Loan Officer · English & Tiếng Việt
TODAY'S RATES as of

30-Yr Fixed

Conventional
FHA
VA
See all rates

Rates shown are national averages from the Optimal Blue Mortgage Market Indices via the Federal Reserve (FRED), updated daily. Not a quote, offer, or commitment to lend; not a guarantee of any rate or terms. Rates change daily and are subject to change without notice. Your actual rate will vary by credit, loan amount, loan-to-value, occupancy, and program. Brandon Huynh NMLS #2522494 · Swift Home Loans NMLS #2075228 · Equal Housing Opportunity.

60-second qualifier Tap to start

Which one sounds like you?

There's a program for that.

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650+ Google reviews · Lock It Mortgage
2,500+ families helped · Lock It Mortgage
40 lending partners
40+ states licensed

Mortgage Calculator

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Get an instant estimate for traditional or non-QM loans. No credit check, no commitment.

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Traditional loans: Conventional, FHA, VA with standard income docs
Non-QM loans: Bank statement, DSCR, asset depletion for self-employed
Investors: Calculate DSCR ratio for rental properties
$
$
20% down
Estimated Monthly Payment
$2,468
/month
Principal & Int
$2,101
Taxes
$333
Insurance
$183
PMI/MIP
$0
Get Your Personalized Quote

Estimates for informational purposes only. Actual rates and payments may vary.

From the Blog

Guides for the way you earn

5-Star on Zillow
NMLS #2522494
40+ States
Same-Day Pre-Approval
Equal Housing Lender

Who I Work With

I Help People Like You

Whatever your situation, I will find the right loan for you.

First-Time Buyers

Step-by-step guidance through your first home purchase

Self-Employed

Bank statement loans, no tax returns needed

Investors

DSCR, portfolio, and investment property loans

Veterans

VA loans, $0 down, no PMI

Refinancers

Lower your rate or tap into your home equity

Not sure which fits?

Most of my clients start with a bank statement loan when they are self-employed, a DSCR loan for a rental property, or a foreign national loan when they are buying from outside the U.S. If you work in medicine I also place doctor and dentist loans in Houston, including the 1099 and new-contract files most retail desks turn away.

Compare Every Option Find Your Program in Two Questions
The Homebuyer Approval Playbook guide cover
Free Guide

The Homebuyer Approval Playbook

Not sure which program fits your situation? This free guide walks you through the real approval paths, so you know your options before you apply.

  • Self-employed approval paths
  • Investor & DSCR paths
  • Turned-down-elsewhere paths
Educational only. Not a commitment to lend. Brandon Huynh, NMLS #2522494. We will not spam you.

Common Questions

Frequently Asked Questions

Quick answers to help you get started

For most borrowers: recent pay stubs, W-2s from the last 2 years, bank statements, and a valid ID. Self-employed? I can work with 12-24 months of bank statements instead of tax returns. I will tell you exactly what is needed for your specific situation.

Most pre-approvals are ready the same day, often within a few hours. I move fast because I know in competitive markets, timing matters. Once I have your documents, I will get you an answer quickly.

Absolutely. This is one of my specialties. I offer bank statement loans that use your deposits instead of tax returns. If you have strong income but lots of write-offs, this program is perfect for you. Learn more on the self-employed mortgage Houston page.

It depends on the loan program. FHA loans can go as low as 580. Bank statement loans typically need 620+. Conventional usually requires 620-640. Even if your score is not perfect, let us talk. I often find solutions for challenging credit situations.

Có! Tôi nói tiếng Việt. I am fluent in Vietnamese and happy to explain the entire loan process in your preferred language. Feel free to call or text me in Vietnamese anytime.

A bank can only offer their own products. As a broker, I shop your loan across 40+ wholesale lenders to find you the right loan and terms. One application, multiple options. Plus, I am available 24/7, not just during banker's hours.

Let's Talk

Ready to get started? Have questions? I am here. Reach out however works best for you.

832-997-1527 Call or text anytime
[email protected] I respond fast
Text Me Directly Quick questions welcome

Get Your Free Pre-Approval

Fill this out and I will reach out within 24 hours (usually much faster).

Rates shown are national averages from the Optimal Blue Mortgage Market Indices via the Federal Reserve (FRED), updated daily. Not a quote, offer, or commitment to lend; not a guarantee of any rate or terms. Rates change daily and are subject to change without notice. Your actual rate will vary by credit, loan amount, loan-to-value, occupancy, and program. Brandon Huynh NMLS #2522494 · Swift Home Loans NMLS #2075228 · Equal Housing Opportunity.

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NMLS #2522494 | Equal Housing Lender | Not a commitment to lend