Your Next

Home Loan,

Made Easy

We Help You

To Get Success

We understand that everyone's financial needs are unique. That's why we offer personalized loan solutions tailored to fit you perfectly. Whether you're a first-time homebuyer, a small business owner, or someone looking to consolidate debt, we have the right loan for you.

Our experienced team will work closely with you to understand your goals and find the best-suited option, ensuring a smooth borrowing experience. Let us help you achieve your financial dreams with confidence.

Our Services

Conventional

Loans not backed by a government agency like the VA, FHA, or USDA. These are often offered by private lenders such as banks or credit unions and follow the guidelines set by Fannie Mae or Freddie Mac. They are ideal for borrowers with strong financial profiles looking for flexible loan terms and potentially lower overall costs over time.

FHA

FHA loans are insured by the Federal Housing Administration, designed to make homeownership accessible, especially for first-time homebuyers or those with lower credit scores. They typically require a lower down payment (as little as 3.5%). These loans are popular for their affordability and flexible qualification criteria

VA

Loans guaranteed by the U.S. Department of Veterans Affairs, designed to help eligible veterans, active-duty service members, and certain surviving spouses purchase homes. They typically require no down payment, offer competitive interest rates, and don't mandate private mortgage insurance (PMI). These loans aim to make homeownership accessible and affordable for those who have served in the military.

Bank Statement

Designed for borrowers who may not have traditional income documentation, such as W-2s or pay stubs. Instead, lenders use 12 to 24 months of bank statements to verify income and assess eligibility. These loans are particularly beneficial for self-employed individuals, freelancers, or gig workers whose income might be irregular or not fully reflected on tax returns.

New Construction

New construction loans are short-term loans designed to finance the building of a new home or property. These loans typically cover costs such as land purchase, labor, materials, and permits. These loans usually require a detailed construction plan and timeline for approval.

ITIN

ITIN loans are specialized mortgage loans designed for individuals who have an Individual Taxpayer Identification Number (ITIN) instead of a Social Security Number. These loans open up homeownership opportunities for individuals who might otherwise face barriers.

Meet the Team of Professionals

Jesus Hernandez

President | CEO

Laura Guerra

Sales Manager

Salvador Hernandez

Production Manager

Fabian Hernandez

Sr. Loan Officer

Judith Guzman

Sr. Loan Processor

Antonia Navarro

Sr. Loan Processor

Erica Estrada

Sr. Loan Production Partner

Daniela Deanda

Sr. Loan Production Partner

Elijah Lara

Loan Officer

Cindy Moreno

Loan Processor

Claudia Chavez

Loan Processor

Ana De La Cerda

Loan Production Partner

Client Testimonials

12941 Gulf Freeway Suite 101, Houston, TX 77034

713-534-5000

Copyright 2025, Texas Choice Home Finance LLC. All Rights Reserved.

NMLS # 2698662 | Equal Housing Opportunity Full Width

The information provided is for informational purposes only and is not a commitment to lend.

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