Dena Pina Glory Mortgage NMLS #2678457

Dena Pina Glory Mortgage NMLS #2678457 Guiding clients with care—because the right mortgage can do more than close a home, it can open a future. Equal Housing Lender. Equal Credit Opportunity.

I'm proud to serve clients through Glory Mortgage, where I help buyers, investors, and Realtors navigate lending with clarity, speed, and strategy.

💡 Backed by smart tools like AngelAi 🕒 Offering 24/7 responsive support 🏡 Passionate about legacy-driven growth and community impact

As a licensed Loan Officer, I bring a concierge-style mindset to every transaction—because real estate is about more

than closing deals. It’s about building trust, creating opportunity, and making sure each move aligns with your vision for the future. Texas Mortgage: Dena Pina, TX MLO, NMLS 2678457, Glory Mortgage LLC, NMLS 2609309, 11 Abigail Drive, Andrews, TX 79714, Corporate Office Fl NMLS 2123511 https://www.glorymortgage.com. Not a commitment to lend. Disclosures: https://www.sml.texas.gov/wp-content/uploads/2024/11/Mortgage-Banker-Disclosure-Form.pdf. Complaints: Consumers wishing to file a complaint against a company or a residential mortgage loan originator should complete and send a complaint form to the Texas Department of Savings and Mortgage Lending, 2601 North Lamar, Suite 201, Austin, TX 78705. Complaint forms and instructions may be obtained from the department’s website at https://www.sml.texas.gov. A toll-free consumer hotline is available at 1-877-276-5550. Privacy/Opt-Out: https://www.glorymortgage.com/privacy-policy. Verify license: https://www.nmlsconsumeraccess.org. Contact: Phone: 442-373-8080 | Email: [email protected]

I wont make actual payments on my new home for 6 months???? That's unheard of! Not, with Glory Mortgage through our pa...
11/22/2025

I wont make actual payments on my new home for 6 months???? That's unheard of! Not, with Glory Mortgage through our partnership with Sun West. Check it out:

What if I told you… you could close on your investment property and start collecting rent before Christmas?” 🎅💰It’s not ...
11/22/2025

What if I told you… you could close on your investment property and start collecting rent before Christmas?” 🎅💰

It’s not just holiday magic — it’s smart strategy:

🎯 Find a motivated seller ready to move fast

💼 Use flexible financing like DSCR loans

🏘️ Target properties with instant rental demand

🧠 Do your due diligence to avoid costly surprises

Yes, it can happen, especially if you’ve got a cash flow game plan. Imagine heading into the New Year with income already rolling in.

Santa’s paying rent. You could be collecting it.

Why cant I live in the house I purchased using a DSCR Loan?DSCR loans are investment loans. They’re underwritten solely ...
11/21/2025

Why cant I live in the house I purchased using a DSCR Loan?

DSCR loans are investment loans. They’re underwritten solely on the property’s rental income, covering debt service, not the borrower’s personal income.

RESPA compliance: The Real Estate Settlement Procedures Act (RESPA) governs consumer mortgage transactions. If someone tries to use a DSCR loan (which is not RESPA‑covered) for an owner‑occupied property, they’re essentially sidestepping consumer protections.

Fraud risk: Claiming a property is non‑owner occupied when the borrower or a close relative intends to live there is considered occupancy fraud. Lenders treat this as mortgage fraud because it misrepresents the loan’s purpose and violates disclosure requirements.

JUST DON"T DO IT!!!

EGI isn’t just a number—it’s the starting point for every DSCR loan decision. Whether it’s based on actual leases or pro...
11/21/2025

EGI isn’t just a number—it’s the starting point for every DSCR loan decision. Whether it’s based on actual leases or proforma appraisal rent, EGI flows into NOI, which drives your DSCR. And DSCR is what lenders use to say ‘yes’ or ‘no.’

So if you want better loan terms, start by understanding your EGI

Evaluating Investment Properties TipsWhen you’re figuring out a property’s rental income, you’re really piecing together...
11/21/2025

Evaluating Investment Properties Tips

When you’re figuring out a property’s rental income, you’re really piecing together:

Rent Roll + Collected Rent + Other Income – Vacancy/Credit Loss = Gross Rental Income.

If my property is fully occupied, will I still have to take a deduction for vacancy?

Most likely yes, most underwriters will figure a 5% of gross rental income. This accounts for some type of turnover, downtime between tenants, and/or market realities.

Smart homes aren’t just trendy—they’re profitable. DSCR loans let investors refinance based on property income, not pers...
11/20/2025

Smart homes aren’t just trendy—they’re profitable. DSCR loans let investors refinance based on property income, not personal income. That’s why even my washer says: ‘I spin rent into ROI!

Smart investors are raising the rents on their properties after doing upgrades that bring their rentals into the future ...
11/20/2025

Smart investors are raising the rents on their properties after doing upgrades that bring their rentals into the future of smart homes. Did you know that DSCR Loans can help extract equity from one rental to either buy another or do upgrades like the ones below?

This strategy allows you to scale your real estate portfolio with relatively no cash out of pocket! Want details? Just put the word in the discussion box below!

11/15/2025

🏡 Why a 50-Year Mortgage Looks Attractive but is the Wrong Move

Lower monthly payments: Stretching the loan term spreads principal over more years, reducing monthly costs.

Initial affordability boost: Buyers who couldn’t qualify for a 30-year loan might now be eligible.

⚠️ Why It Can Backfire

Home prices rise: Sellers and builders adjust to what buyers can “afford,” pushing prices higher.

Long-term debt trap: Borrowers could still be paying off mortgages into their 80s or 90s.

Interest burden: Even if structured differently, decades of payments mean more total interest paid.

Doesn’t fix supply: The real issue is not financing terms but the lack of housing inventory.

🔑 The Supply vs. Demand Reality
If supply is tight, extending loan terms only fuels demand without adding homes.

That imbalance leads to higher prices, not true affordability.

Real solutions would involve building more housing stock, zoning reform, or incentives for construction.

🧾 DSCR Loan Cheat Sheet for Realtors and Investors (print out)✅ DSCR Loan = Cash-flow based approval, no tax returns, no...
11/15/2025

🧾 DSCR Loan Cheat Sheet for Realtors and Investors (print out)

✅ DSCR Loan = Cash-flow based approval, no tax returns, no W-2s — just the property’s income vs. its debt.

✅ Typical minimum DSCR: 1.20–1.25. That means the property must earn at least 20–25% more than its debt payments.

✅ Works for rentals, STRs, small multifamily, Single-family, duplexes, triplexes, quads, and even short-term rentals.

✅ Down payment: 20–25% Most lenders want skin in the game — but no personal income docs required.

Fun Fact: DSCR Loans can even be used to refinance a loan or pull cash out of a property (perhaps to leverage to purchase another)

💡 Did you know your down payment isn’t the only cash you’ll need at closing?When buying a home, many people focus on sav...
11/15/2025

💡 Did you know your down payment isn’t the only cash you’ll need at closing?

When buying a home, many people focus on saving for the down payment… but closing costs are just as important!

Here’s the scoop:

👉 How much? Usually 2%–5% of the loan amount (about 3% on average).

👉 When? Paid at closing — the day your loan funds and the keys change hands.

👉 What’s included?

1. Lender fees (origination, underwriting)

2. Appraisal & inspection

3. Title insurance & escrow

4. Recording fees & taxes

5. Prepaid items (property taxes, insurance, interest)

Pro Tip: Always ask for a Loan Estimate early so you’re not caught off guard. This will provide you with your estimated down payment, closing costs, amortization schedule, APR, example interest rate, your monthly payment, and an estimate of how much you will pay over the life of the loan.

Closing thought: Your down payment gets you in the door, but closing costs seal the deal. 🏡✨

Address

11 Abigail Drive
Andrews, TX
79714

Telephone

(442)3738080

Website

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