Mortgage Lending
Headquartered in the Highland Lakes of the Texas Hill Country, Thess Mortgage can originate mortgages for residential property in the State of Texas. Any non mortgage products are originated by the partnering company - JA Consulting LLC.
We are here to exceed the borrower's expectations; whether it is a primary residence, new construction loan, long/short term rentals, refinance, or cash out - we are your lending solution. Assisting Affordability with Down Payment Assistance no income requirements, along with Experienced Underwriting to get you into your home. Consistent, Quick-Fluid Closings, and Transparency. Clear to Close average 14 days.
If you would like to get pre-qualified today, just click the get started button below.
Loan Products
Standard Owner Occupied Home Loan Products: Primary or Secondary
Conventional Loans - 50 acres land limits with home, loan amounts up to $5M, Down Payment Assistance starting at 620+ FICO
Government Issued Mortgages
FHA (580+ FICO)
VA (500+ FICO)
USDA (550+ FICO)
Adjustable Rate Mortgages
Fixed Rate Mortgages - 15, 20, 25, and 30 year
Jumbo Mortgages
Refinance - extend your loan 30 years or reduce the years of loan.
One Time Close New Construction Home Loans up to 10 acres of Land, 5% down over 680 credit
New Construction to Permanent Refinance - New Home, Manufactured Home, Modular Home
Non Permanent Resident Alien Loans
Home Equity Line of Credit (HELOC)
Reverse Home Mortgages
Non Qualified Low Doc Mortgage Loans:
Bank Statement Loans - 12 & 24 Months
Personal and or Business Statements
Asset Based Loans - Leveraging Checking, Savings, Investment Accounts, and or Money Market Accounts
Non QM Jumbo Loans starting at 15% down up to 50 Acres
Low Doc Investment Loans - Debt To Service Coverage Ratio >0.70 min 680 credit score.
Interest Only Home Loans
Self Employed 1099 Loans
Investor Home Loan Products for Non-Owner Occupied:
Portfolio Loans - 1-4 Units
Interest Only Property Seasoning Short Term Loans - Acquisition, New Construction to Permanent
Multifamily Loans - 4+ Unit Acquisition
Multifamily 1-4, or 4+ Unit New Construction starting at 15% down
Rental Investment Loans - 1-4, or 4+ Unit Acquisition
DSCR Investment Property Loans Low Doc in 18 states
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