Credentials & licenses
Verified credentials
- NMLS Mortgage Loan Originator · #621780 · verify ↗
- Texas State License · Department of Savings and Mortgage Lending
- 26 years in mortgage and banking · Goldman Sachs (VP, Private Wealth Management) · Bank of America (AVP, Senior Corporate Underwriter) · MGIC (Senior Underwriter)
Specialties
Areas of expertise
- Texas Down Payment Assistance — TSAHC, TDHCA, AMI by county, MCC pairing rules
- TSAHC Homes for Texas Heroes — teachers, police, firefighters, EMS, corrections, school staff
- VA loans for Texas veterans — disabled-veteran funding fee waiver, Texas VLB second-lien financing, BAH analysis
- Texas Mortgage Credit Certificate (MCC) — federal tax credit eligibility, recapture rules, MFTH pairing
Reviewed by a credentialed Texas mortgage professional
Articles reviewed by Byron Davis
Every program page on this site is reviewed by a Texas-licensed mortgage professional with 26+ years of mortgage experience and verifiable NMLS credentials.