Talk With a Manor Loan Officer by Phone
The phone is the one way to reach us. A short call lets a loan officer look at your income, debts and goals, then tell you which home loan fits and what pre-qualification would take.
Where we work
Manor, TX
Pflugerville, Wells Branch, Elgin, Hornsby Bend, Round Rock, Hutto
Hours
- Mon-Sun
- 8am-5pm
What Happens on the First Call
A loan officer answers and starts with the purpose: a purchase, a refinance, a HELOC or an investment property. From there we ask about gross monthly income, monthly debt payments, the down payment you plan to use and a rough credit picture. Those four numbers set your debt-to-income ratio and loan-to-value, which decide which programs you can qualify for and how a rate gets priced.
Small details change the answer, so we ask about them early. A recent job change, bonus or commission income, a 1099 side business or a gift toward the down payment each has its own documentation rule. Catching them on the first call keeps your pre-approval from stalling later in underwriting. If you are ready, we can move on to a loan application or rate quotes in the same conversation.
Have These Close By Before You Call
- Your last two pay stubs and last two years of W-2s, or two years of tax returns if you are self-employed.
- A list of monthly debts, including car loans, student loans and the minimum payment on each credit card.
- Recent statements for the checking, savings or retirement accounts that will cover the down payment and closing costs.
- For a refinance or HELOC, your current mortgage statement and a rough idea of what the property is worth.
Start Your Pre-Qualification by Phone
Borrowers in Manor, Pflugerville, Elgin and nearby towns can reach a loan officer directly. Bring your numbers, and we will walk through each one with you.