Houston Mortgage Broker for
Homebuyers and Real Estate Investors
Access more loan programs, flexible solutions, and expert guidance to help you finance your next home or investment property.
✔ Shop 80+ Lenders
Explore a wide network of lenders to find the best fit for your needs.
✔ Wide Range of Interest Rate Options
Competitive rates designed to help you save more.
✔ Fannie Mae & Freddie Mac Loans
Access reliable and conventional loan programs.
✔ Jumbo Loans
Flexible financing for high-value properties.
✔ Non-Traditional Loans
Customized options for unique financial situations.
Matador Lending: More Choices, Better Rates, Tailored for You!
Understanding the Different
Loan Types
Understanding the right loan options for you is key to making the best choice for your financing.
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Non-QM
Flexible mortgage solutions for self-employed borrowers and investors.
Non-QM loans are designed for borrowers who may not qualify for traditional mortgage programs. These loans use alternative income verification methods such as bank statements, assets, or other financial documentation instead of standard tax returns or W-2s.
Matador Lending helps homebuyers and investors across Texas explore Non-QM loan solutions that provide greater flexibility for self-employed borrowers, business owners, and clients with unique financial situations.
Key Aspects:
• Bank Statement Loans
• Foreign National Loans
• ITIN Loans
• Asset-Based Qualification
Whether you're buying a home, refinancing, investing in real estate, or financing a commercial property, Matador Lending offers flexible loan solutions designed to fit your goals.
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Keif Catering
What a great experience working with Jason! Within less than two weeks, he helped me secure everything I deserved — and more — throughout the closing process on my new home.
If you’re looking for a knowledgeable, responsive, and reliable lender, don’t hesitate to reach out to Jason Bandoo. He will truly take great care of you.
Highly recommended!
Meet the Matador Lending Team
Led by experienced leadership, the Matador Lending team includes loan officers dedicated to helping homebuyers and investors find the right financing solutions.
Frequently Asked Mortgage Questions
Buying or refinancing a home often comes with many questions. Here are some of the most common questions borrowers ask our team at Matador Lending.
How much down payment is required to buy a home?
Down payment requirements depend on the loan program. Some conventional loans may allow down payments as low as 3%, while FHA loans may allow 3.5%. VA loans may allow qualified borrowers to purchase with no down payment.
What credit score do I need to qualify for a mortgage?
Credit score requirements vary by loan program. Conventional loans typically require higher scores, while FHA and certain Non-QM programs may offer more flexibility depending on the borrower’s financial profile.
What is a DSCR loan?
A DSCR (Debt Service Coverage Ratio) loan allows real estate investors to qualify based on the rental income generated by a property instead of personal income documentation.
How long does the mortgage approval process take?
Mortgage approvals can vary depending on the loan type and documentation required. In many cases, pre-approvals can happen quickly, while full loan approval may take a few weeks depending on underwriting and property appraisal.
Can self-employed borrowers qualify for a home loan?
Yes. Self-employed borrowers may qualify through programs such as bank statement loans or other Non-QM mortgage options that use alternative income documentation.
