Home loans from someone who's actually from here.
24 years in mortgage. A career before that in construction, so I understand what you're building or buying — not just the rate sheet. Straight answers, no runaround.
Three steps. No mystery in between.
Most of the mortgage process is paperwork and waiting. Here's the part that actually involves you.
Get pre-approved
We look at your full picture — income, credit, goals — and tell you what you can actually afford. Takes one conversation, not a week of back-and-forth.
Find the house
Work with a real estate agent you trust. I'll stay in the loop so your offer is backed by a pre-approval that means something to a seller.
Close on your loan
I handle the application, underwriting, and the dozen small things that trip up first-timers. You show up to closing and sign.
The right program for your situation
Not every loan fits every buyer. Part of the job is matching you to the one that does.
Conventional
Standard loans backed by Fannie Mae or Freddie Mac. Often the most cost-effective option for buyers with solid credit.
FHA
Lower down payment and credit flexibility, backed by the federal government. A strong fit for first-time buyers.
USDA
Zero down payment financing for eligible rural and small-town properties. East Texas has more of these areas than people expect.
VA
For veterans, active duty, and eligible spouses. No down payment required and some of the most favorable terms available.
From the job site to the closing table
I didn't start in mortgage. I started in construction — sales and operations, running crews and managing budgets long before I ever looked at a loan application. That background still shapes how I work.
When you've stood on a job site and watched a project go sideways over bad planning, you learn to respect a timeline and a budget. I bring that same discipline to your loan: I tell you what to expect, when to expect it, and I don't let surprises show up at closing.
Twenty-four years later, I've originated conventional loans, FHA, USDA, VA, and reverse mortgages for buyers across Texas, Mississippi, and Louisiana. I'm based in Gilmer, and most of my clients are people I'll run into at the grocery store. That keeps you honest.
Run your own numbers first
No pressure, no form to fill out yet. Get a feel for what's realistic before we ever talk.
Don't take our word for it
"Seth walked us through every step like he had nothing else to do that day. First house, zero idea what we were doing — he made it simple."
"We've bought three houses with three different lenders. Seth was the first one who actually called us back the same day, every time."
"Our USDA loan had some quirks because of the property. Seth knew the program inside and out and got us approved when another lender said no."
Things people ask before they call
How often can I refinance my mortgage?
Can I buy a home with no down payment saved up?
How long does the loan process take?
Will I actually qualify?
Can I get a mortgage after bankruptcy?
Should I lock my rate now or wait?
Ready to find out what you qualify for?
One phone call. No commitment. Just real numbers for your situation.