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Free
Pre-Qualification
No Obligation
NMLS# 2592315
Equal Housing Lender
FHA-Approved Lender
Licensed in TX · CO · FL · CA
Free Consultations
Where We Lend
Licensed Across Four States
Whether you’re buying in Houston, Denver, Miami, or Los Angeles — The Loan Nerd has a licensed loan officer in your market ready to help.
Everything you need to know about getting a mortgage — explained in plain English.
What is a mortgage?
A mortgage is a loan used to buy or refinance a home. The lender provides the funds, and you repay them over time with interest. Your home serves as collateral for the loan.
What credit score do I need?
Most lenders look for a credit score in the 680–760 range for the best rates. FHA loans may allow lower scores. We’ll help you understand exactly where you stand.
What is a debt-to-income ratio?
Your DTI is the percentage of your monthly income that goes toward qualifying debt payments. A DTI below 36% is ideal for most loan programs.
How much do I need for a down payment?
Down payments can range from 3% to 20% depending on the loan program. A larger down payment can mean better rates and no PMI.
Should I get pre-approved first?
Absolutely. Pre-approval shows sellers you’re a serious buyer, gives you a clear budget, and speeds up the closing process significantly.
Ready to Start?
Let’s Find the Right Mortgage for You
Our team offers free, no-obligation consultations. Call us or apply online today — and we’ll guide you every step of the way.
By clicking this button, you consent to be contacted by The Loan Nerd via phone, text & email regarding mortgage products and services. Consent is not a condition of purchase. Reply STOP to opt out of texts. Msg & data rates may apply.
