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See All Mortgage CalculatorsI am Paul Dennis, Paul the Mortgage Broker.
I help homebuyers, homeowners, real estate investors, and self-employed borrowers find mortgage and financing solutions that fit their goals.
From the first conversation through closing, you work directly with me. I focus on clear answers, fast communication, and finding the right solution for your situation.
As a mortgage broker, I have access to a wide range of lenders and loan programs, which means I am not limited to one bank, one set of guidelines, or one type of financing.
Whether you need a Conventional Loan, FHA Loan, VA Loan, Jumbo Mortgage, Non-QM Loan, DSCR Loan, HELOC, or Bridge Loan, I can help you compare options and find the right path forward.
More Lenders. More Options. Better Solutions.
Mortgage lending is not one-size-fits-all.
Different lenders have different guidelines, pricing, programs, and ways of evaluating the same borrower or property.
That means a loan that does not work with one lender may work with another.
When you work with me, you can expect:
If there is a problem with the loan, I want to identify it early.
If there is another way to make it work, I want to find it.
Whether you are buying your first home, moving up, relocating, purchasing a second home, or buying an investment property, I can help you compare mortgage options.
Home loan programs may include:
The right mortgage depends on your income, credit, assets, property type, occupancy, and long-term goals.
I help borrowers with Jumbo and Super Jumbo mortgage financing for higher-priced homes, luxury properties, second homes, and more complex financial profiles.
Jumbo loan options may include:
Jumbo guidelines can vary significantly from lender to lender, which makes access to multiple lending sources especially valuable.
Self-employed borrowers do not always fit traditional mortgage underwriting.
For business owners, entrepreneurs, independent contractors, and other self-employed borrowers, alternative mortgage programs may provide more flexibility.
Options may include:
These programs can be useful for borrowers with strong cash flow or assets who may not qualify using traditional tax-return income calculations.
Bank Statement Loans may allow eligible self-employed borrowers to qualify using personal or business bank statements instead of relying entirely on tax returns.
Different lenders calculate income and business expenses differently, so access to multiple lending sources can create more options.
I help real estate investors with financing designed specifically for rental and investment properties.
DSCR Loans, or Debt Service Coverage Ratio loans, may allow investors to qualify based primarily on the rental income and cash flow of the property rather than personal employment income.
Investor financing may be available for:
Whether you are buying your first rental property or expanding an existing portfolio, the financing should support your investment strategy.
Refinancing can help with more than lowering an interest rate.
A mortgage refinance may help you:
Refinance options may include Conventional, Jumbo, FHA Streamline, VA IRRRL, and Cash-Out Refinancing.
You do not always need to refinance your first mortgage to access your home equity.
A Home Equity Line of Credit, or HELOC, may allow qualified homeowners to access available equity while keeping their existing first mortgage in place.
HELOC funds may be used for:
A HELOC can be especially useful for homeowners who already have a favorable rate on their current mortgage.
Bridge Loans can provide short-term financing when the timing of a traditional mortgage does not fit the transaction.
Bridge financing may be useful for:
For some buyers, the biggest obstacle to homeownership is the upfront cash needed for the down payment and closing costs.
Depending on eligibility, financing options may include:
Program requirements vary based on income, credit, location, occupancy, and loan type.
Paul the Mortgage Broker works with homebuyers, homeowners, investors, and borrowers across 41 states.
That broad lending footprint allows me to help clients across much of the country while still providing direct, personal service.
Whether you are buying locally or financing property in another state, you have one point of contact throughout the process.
Texas is home base.
I work with borrowers throughout San Antonio, Dallas-Fort Worth, Houston, Austin, and communities across Texas.
Texas mortgage options may include:
When you work with Paul the Mortgage Broker, you work directly with me.
I stay involved from the first conversation through closing.
I believe borrowers should understand where they stand, what options are available, and what needs to happen next.
My goal is simple:
Find the right financing solution and make the process as clear as possible.
If you are buying, refinancing, or investing, start with a conversation.
Tell me what you are trying to accomplish, and I will help you understand the available financing options and determine the next step.
Paul Dennis
Paul the Mortgage Broker
Home Loans | Refinancing | Jumbo | Non-QM | Self-Employed | DSCR | Investor Loans | HELOC | Bridge Loans
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