Stop Guessing. Know What You Can Actually Afford in DFW.

Every Buyer is Different. Your Loan Should Be Too.

CONVENTIONAL LOANS

Best for: Buyers with strong credit and stable income.

Down payment as low as 3%. No upfront mortgage insurance with 20% down. Competitive long-term rates for qualified buyers.

Who it fits: Professionals, move-up buyers, investors.

FHA LOANS

Best for: First-time buyers or those rebuilding credit.

Down payment as low as 3.5%. More flexible debt-to-income requirements. Government-backed security for lenders means more buyers qualify.

Who it fits: First-time buyers, renters making the leap to ownership, buyers with credit scores in the 580–620 range.

VA LOANS

Best for: Eligible veterans, active military, and surviving spouses.

Zero down payment. No private mortgage insurance. One of the most powerful homebuyer programs in America — and one of the most underused.

Who it fits: Veterans and service members who deserve every advantage available to them.

USDA LOANS

Best for: Buyers purchasing in eligible suburban or rural areas of Texas.

Zero down payment. Competitive interest rates. Many DFW-adjacent communities qualify — ask Maribel if your target area is eligible.

DOWN PAYMENT ASSISTANCE PROGRAMS

Texas offers multiple state and local down payment assistance programs for qualifying buyers. Many buyers have no idea these programs exist. Some provide grants that never need to be repaid.

If the down payment is the only thing standing between you and homeownership — you need to have this conversation before you assume you can't afford it.

JUMBO LOANS

Best for: Buyers purchasing luxury properties above conventional loan limits.

DFW's luxury market is thriving — from Highland Park to Southlake to Preston Hollow. Jumbo financing requires strong financial profiles and careful structuring. Maribel's experience in both high-value real estate and mortgage origination makes her the right advisor for significant transactions.

How Your Mortgage Works — Step by Step

STEP 1 — CONSULTATION (Free)

Tell Maribel about your situation — income, debts, savings, credit, and goals. This is a conversation, not an interrogation. It typically takes 20-30 minutes and gives you a real picture of what's possible.

STEP 2 — PRE-APPROVAL

Maribel reviews your financials and issues a pre-approval letter that tells you exactly how much home you can buy. In a competitive market, this is not optional — it is your ticket to the table. Sellers take pre-approved buyers seriously.

STEP 3 — HOME SEARCH & OFFER

With your pre-approval in hand and Maribel as your broker, you search with confidence. When you find the right home, she crafts an offer that's strategically structured around your financing — a unique advantage when your agent and lender are the same person.

STEP 4 — LOAN PROCESSING

Once under contract, your loan moves into processing and underwriting. Maribel keeps you informed at every stage. Appraisal, title search, and final conditions are managed smoothly because your broker and MLO are coordinating together — not playing phone tag.

STEP 5 — CLEAR TO CLOSE

You receive your final loan approval. Closing disclosures are reviewed with you so there are no surprises at the closing table.

STEP 6 — CLOSING DAY

You sign, you fund, you get your keys. Maribel walks you through every document. This is the moment all the preparation was building toward.

Mortgage information on this page is for general educational purposes only. Specific rates, terms, loan eligibility, and approval are determined by individual financial circumstances and lender requirements at time of application. This is not a commitment to lend. All mortgage products subject to credit approval. Equal Housing Lender. Maribel Lopez Hill, NMLS #2490050.

The Only Thing Between You and Your

Mortgage Approval... IS This Conversation.

Most people who think they don't qualify — do.

Get the truth from someone who can actually run your numbers.

Or call Maribel directly: 214-727-5754 | NMLS #2490050