Loan Programs

Conventional Loans

A popular loan option for many buyers, conventional loans typically require a minimum of 3–5% down and offer flexible terms. Great credit is rewarded here with lower rates, and you don’t have to pay mortgage insurance forever.

FHA Loans

Perfect for first-time buyers, FHA loans allow as little as 3.5% down and are more forgiving with credit scores. It’s a great option if you’re just starting out or rebuilding your financial profile.

VA Loans

If you’re a veteran, active-duty service member, or eligible spouse, VA loans offer 0% down, no mortgage insurance, and competitive rates. It’s a powerful benefit earned through your service

USDA Loans

For homes in eligible rural or suburban areas, USDA loans offer 0% down with low monthly payments. It’s a great way to buy a home outside the city without needing a big savings account.

Construction Loans

If you’re building your dream home, construction loans finance the entire process—from the ground up. These loans eventually convert into a standard mortgage once the home is finished.

Down Payment Assistance

Many first-time buyers qualify for special programs that help cover the down payment and sometimes even closing costs. These programs can turn “someday” into “today” for buying your first home.

Bank Statement Loan

Ideal for self-employed buyers who don’t show steady W-2 income but have strong cash flow.

Refinance Loans

Want to tap into your home’s equity? A cash-out refinance gives you a lump sum, while a HELOC acts like a credit line for ongoing access. Great for paying off debt, remodeling, or big expenses.

Other Programs

Renovation Loan – Buy and fix up a home all in one loan. Perfect if you want a place with potential and want to roll updates into your mortgage.

ITIN Loan – For buyers who don’t have a Social Security number but do have an ITIN, this program helps make homeownership possible.

DSCR Loan – Great for real estate investors; this loan focuses on the property’s income potential rather than your personal income.

Jumbo Loan – For higher-priced homes that exceed standard loan limits. Jumbo loans allow you to finance more without splitting into multiple loans.

"CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A COMPANY OR A RESIDENTIAL MORTGAGE LOAN ORIGINATOR SHOULD COMPLETE AND SEND A COMPLAINT FORM TO THE TEXAS DEPARTMENT OF SAVINGS AND MORTGAGE LENDING, 2601 NORTH LAMAR, SUITE 201, AUSTIN, TEXAS 78705. COMPLAINT FORMS AND INSTRUCTIONS MAY BE OBTAINED FROM THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV. A TOLL-FREE CONSUMER HOTLINE IS AVAILABLE AT 1-877-276-5550.THE DEPARTMENT MAINTAINS A RECOVERY FUND TO MAKE PAYMENTS OF CERTAIN ACTUAL OUT OF POCKET DAMAGES SUSTAINED BY BORROWERS CAUSED BY ACTS OF LICENSED RESIDENTIALMORTGAGE LOAN ORIGINATORS. A WRITTEN APPLICATION FOR REIMBURSEMENT FROM THE RECOVERY FUND MUST BE FILED WITH AND INVESTIGATED BY THE DEPARTMENT PRIOR TO THE PAYMENT OF A CLAIM. FOR MORE INFORMATION ABOUT THE RECOVERY FUND, PLEASE CONSULT THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV."

Expedient Mortgage Corporation

25331 IH-10 W, Suite 210

San Antonio, TX 78257

NMLS# 2424198

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"CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A COMPANY OR A RESIDENTIAL MORTGAGE LOAN ORIGINATOR SHOULD COMPLETE AND SEND A COMPLAINT FORM TO THE TEXAS DEPARTMENT OF SAVINGS AND MORTGAGE LENDING, 2601 NORTH LAMAR, SUITE 201, AUSTIN, TEXAS 78705. COMPLAINT FORMS AND INSTRUCTIONS MAY BE OBTAINED FROM THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV. A TOLL-FREE CONSUMER HOTLINE IS AVAILABLE AT 1-877-276-5550.THE DEPARTMENT MAINTAINS A RECOVERY FUND TO MAKE PAYMENTS OF CERTAIN ACTUAL OUT OF POCKET DAMAGES SUSTAINED BY BORROWERS CAUSED BY ACTS OF LICENSED RESIDENTIALMORTGAGE LOAN ORIGINATORS. A WRITTEN APPLICATION FOR REIMBURSEMENT FROM THE RECOVERY FUND MUST BE FILED WITH AND INVESTIGATED BY THE DEPARTMENT PRIOR TO THE PAYMENT OF A CLAIM. FOR MORE INFORMATION ABOUT THE RECOVERY FUND, PLEASE CONSULT THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV."