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Independent Mortgage Brokerage  |  Multiple Lenders, More Options

The Right Home Loan Starts with a Wider Search

As an independent broker, we shop a network of wholesale lenders for you, then walk you through the numbers so the choice is clear. First home, refinance, new construction, or investment portfolio: you get real options and straight answers. Serving Texas in English and Español.

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Mortgage Calculator

Estimate your monthly payment
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Find My Loan

See your options side by side
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Pre-Approval Letter

Get ready to make an offer
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Refinance Analysis

See if refinancing pays off

Why Work With an Independent Broker

One Broker. Access to Many Lenders.

A bank can only offer its own loans. We are independent, so we compare programs and pricing from a wide lender network and bring you the ones that actually fit.

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More lenders, more options

We shop a broad wholesale network, so you are never stuck with one bank's rates or rules.

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Built by a builder

Fifteen years in construction and development mean we understand homes, not just loans.

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Wholesale pricing

Broker access to wholesale rates that retail banks often cannot match.

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English · Español

Full bilingual service, from first call to closing table. Licensed in Texas.

Loan Options

Which Loan Is Right for You?

Start with what you're trying to do, then explore the loan types that fit.

Mortgage advisor reviewing options with homebuyers outside a Texas home

Buying a Home

Aerial view of an active Martin Homes construction site in Houston

Build & Renovate

Modern investment townhome property at dusk

Specialty and Investor

Who We Help

Guidance for Every Kind of Borrower

Whatever your situation (first-time buyer, self-employed, veteran, or investor), we tailor the loan search to fit you.

First-Time Homebuyers

Low and zero down payment programs and step-by-step guidance for your first home.

First-Time Buyer Path ›

Self-Employed & Business Owners

Qualify with bank statements or 1099 income when tax returns don't tell the whole story.

Alt-Doc Loans ›

Veterans & Military

Put your VA benefit to work with zero down and no monthly mortgage insurance.

Explore VA Loans ›

Real Estate Investors

Finance rentals using the property's cash flow, not your personal income.

Explore DSCR Loans ›

New-Construction Buyers

Buying from a builder or building custom, with a broker who has built homes himself.

Construction Financing ›

How It Works

Three Steps, No Surprises

1

Tell us your goal

Buying, building, refinancing, or investing: we start with what you want to accomplish.

2

See your real options

We compare programs and pricing across lenders and lay out the numbers side by side.

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Move forward with confidence

You know your payment and your next step before you commit to anything.

The DreamNest Difference

Financing From Someone Who Builds

DreamNest was founded by a builder and developer, and that changes how we look at every file: construction timelines, appraisals, rehab budgets, and rental math are our home turf, in English y en Español.

"After fifteen years building homes in Houston, I saw too many buyers lose deals, or overpay, because their lender didn't understand construction, self-employment income, or investment math. I started DreamNest so our clients would always have someone on their side of the table who does." — Frank Martin, Founder

New-Construction Buyers

Builder-savvy guidance from contract to closing, including rate buydown strategies.

Learn more ›

Investors

DSCR, bank statement, and bridge financing that speaks your language: cash flow.

Learn more ›

Builders & Developers

Buyer prequalification and financing support for your communities.

Learn more ›

Servicio en Español

Todo el proceso hipotecario, explicado con claridad en su idioma.

Conozca más ›

Client Experiences

What Clients Say After Closing

Real reviews from the buyers, homeowners, and investors we've helped.

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Learning Center

Home Financing, Explained Clearly

New to home buying or weighing your options? Our plain-language guides walk you through every step.

First-Time Homebuyer Guide FHA Loan Guide DSCR Loan Guide for Investors Construction Loan Guide Explore All Guides

Mortgage FAQs

Answers Before You Ask

Straightforward answers about home loans, pre-approval, refinancing, credit, down payments, and the mortgage process in Texas.

DreamNest Mortgages is an independent mortgage brokerage based in Houston, Texas. Instead of offering one lender's products, we compare mortgage options from multiple wholesale lenders (rates, fees, terms, and program guidelines) so buyers, homeowners, builders, and investors can see real choices side by side before deciding.
Pre-approval reviews your income, assets, credit, and buying goals before you make an offer. It clarifies your price range and shows sellers your financing has been reviewed. With complete documents, pre-approval is often completed within one to two business days, and most purchases close in roughly 21–30 days.
Rates, lender fees, and program guidelines vary from lender to lender, and even a small difference in rate or cost changes the total paid over the life of a loan. As an independent broker we shop that variation for you, instead of limiting you to one bank's offer.
Quotes are free with no obligation. Early options reviews commonly use a soft credit inquiry, which does not affect your score. A full application may require a hard inquiry later; your advisor will tell you before any credit review happens.
It depends on the program. FHA financing may allow scores from 580 with 3.5% down; conventional commonly starts around 620; VA guidelines can be more flexible for eligible borrowers. Higher scores generally improve pricing, but the full financial picture matters.
FHA loans commonly require 3.5% down; some conventional programs allow 3–5%; eligible VA and USDA borrowers may qualify with zero down. Down payment assistance programs may also be available for qualifying buyers in Texas.
Yes. Depending on the program, qualification may use tax returns, 12–24 months of bank statements, or 1099 income. Business owners and contractors often qualify best through alternative-documentation programs; we compare both paths and show you the trade-offs.
DSCR loans qualify the property instead of your personal income: the lender compares market rent to the full monthly payment (PITIA). Many programs look for a ratio at or above 1.00–1.25, though guidelines vary. Use our DSCR calculator to see how a lender would view your deal.
Texas home equity loans follow the state constitution's Section 50(a)(6) rules, which include specific limits and requirements that differ from other states. It's a well-worn path, but one worth walking with an advisor who knows the Texas framework.
Often, yes. Options can include bridge financing, a HELOC, or structuring the purchase with a contingency. Availability depends on your equity, income, and credit; we'll map the realistic paths for your situation.
Many FHA, conventional, and VA programs allow gift funds from an eligible donor, documented with a gift letter and proof of transfer. Rules vary by program; your advisor will give you the exact documentation checklist.
Closing costs commonly run 2–5% of the loan amount and can include lender, title, escrow, and appraisal fees plus prepaid taxes, insurance, and interest. Some costs may be covered through seller concessions or structured into the loan where the program allows. Your Loan Estimate itemizes everything early so there are no surprises.

Popular Tools

Find My Loan

Answer five quick questions and see which programs fit your profile, before any application.

What are you looking to do?

Programs worth a closer look

This tool provides general educational guidance only. It is not an offer of credit, a pre-qualification, a pre-approval, or an underwriting decision, and program availability is not guaranteed. All loans are subject to a full application, credit approval, underwriting, and property appraisal. Contact a licensed mortgage loan originator to discuss your specific situation.

Mortgage Calculators

Real tools with real math. Use them freely; no email required.

Estimated monthly payment
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Principal, interest, taxes & insurance (PITI)
Principal & interest$0
Property taxes$0
Insurance$0
Loan amount$0

Estimates only, for educational purposes. Excludes mortgage insurance, HOA dues, and other costs that may apply. Rates shown are illustrative inputs, not offers. Actual terms depend on a full application, credit approval, underwriting, and appraisal.

Estimated buying power
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Approximate maximum home price
Max total monthly housing$0
Estimated loan amount$0
DTI used43%

Educational estimate using a simplified DTI model with allowances for taxes and insurance. Your actual qualification depends on the full credit profile, program guidelines, and underwriting. Not a pre-qualification or commitment to lend.

Estimated monthly savings
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Break-even in … months
Current P&I (30-yr basis)$0
New P&I$0

Simplified comparison for education only; assumes your current payment on a 30-year amortization of the balance entered. Extending your term can increase total interest paid over the life of the loan even when the monthly payment drops. Not an offer or rate quote.

Debt service coverage ratio
0.00
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Monthly PITIA$0
Monthly cash flow$0

DSCR = gross rent ÷ PITIA (principal, interest, taxes, insurance, association dues). Many DSCR programs look for ratios at or above 1.00–1.25, but guidelines vary by lender and are subject to change. Educational estimate only, not an offer or qualification decision.

Areas We Serve

Licensed Across Texas

We serve buyers, homeowners, builders, and investors throughout Texas, with our home base in Houston.

HOUSTON TEXAS
HoustonKatySugar Land The WoodlandsCypressPearland SpringRichmondConroe + All of Texas

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Our Team

Our Mortgage Professionals

Licensed advisors who put your interests first. Verify anyone on our team at NMLS Consumer Access.

Frank Martin, founder of DreamNest Mortgages

Frank Martin

Mortgage Advisor | Founder | CEO

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Talk to Us First. You'll Be Glad You Did.

A licensed advisor will reach out within one business hour. Prefer to talk now? Call (832) 600-0481 or message us on WhatsApp +1 (832) 600-0481.

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