JT Patel Team, NMLS# 962495

JT Patel Team, NMLS# 962495 Jatin (JT) Patel- NMLS # 962495, Senior Loan Officer at Mission Mortgage, 901 S. Mopac Expwy
Barton Oaks V, Suite 120
Austin, TX 78746

A few pre-approval FAQs:❓Pre-approval vs. pre-qualification?Pre-qualification is typically an estimate based on informat...
08/27/2026

A few pre-approval FAQs:

❓Pre-approval vs. pre-qualification?
Pre-qualification is typically an estimate based on information you provide. Pre-approval goes further, with a lender reviewing documentation and credit to give you a more accurate picture.

❓Self-employed?
Yes, you can still get pre-approved. Depending on your situation and loan program, documentation may include tax returns, business information, or alternatives such as bank statements.

❓Does pre-approval guarantee a mortgage?
No. Final approval still depends on underwriting, the property and appraisal, required documentation, and other loan conditions.

❓When should I get pre-approved?
Ideally, before you start house hunting. That way, when the right home pops up, you already know where you stand and you’re prepared to make an offer.

Know your numbers. Know your options. Then go find your place.

Talk with me about your specific scenario. (🔗 in bio)

This is educational and not financial advice. Loan programs and guidelines can change.

Mortgage rate locks, explained. 🔐Mortgage rates can move from day to day. A rate lock helps protect an eligible borrower...
08/26/2026

Mortgage rate locks, explained. 🔐

Mortgage rates can move from day to day. A rate lock helps protect an eligible borrower’s interest rate for a set period while the loan moves toward closing.

The key phrase is for a set period. A lock has an expiration date, and the loan generally needs to close before that date. Changes to the application, property, loan program, or closing timeline may also affect the lock.

If rates fall after locking, the locked rate does not automatically move lower. Float-down or renegotiation options may be available in certain situations, depending on the lender and program.

I can walk you through when to lock, how long to lock, and what applies to your specific financing scenario. Contact me today! ( 🔗 in bio)

Sources:*
Consumer Financial Protection Bureau: What’s a lock-in or rate lock?
Freddie Mac mortgage glossary
HUD: Important Notice to Homebuyer

Before You Fall in Love with a House… Do This First. Get pre-approved. It may not be the most exciting part of buying a ...
08/24/2026

Before You Fall in Love with a House… Do This First. Get pre-approved. It may not be the most exciting part of buying a home, but it can make everything that comes next a whole lot easier.

A pre-approval helps you:
🔑 Know your budget before you start shopping
🔑 Make a stronger offer that sellers can take seriously
🔑 Move faster when you find the right home
🔑 Catch potential issues early instead of during the purchase process

Basically, you can house hunt with more confidence and fewer question marks.

A few pre-approval FAQs:
❓Pre-approval vs. pre-qualification?
Pre-qualification is typically an estimate based on information you provide. Pre-approval goes further, with a lender reviewing documentation and credit to give you a more accurate picture.

❓Self-employed?
Yes, you can still get pre-approved. Depending on your situation and loan program, documentation may include tax returns, business information, or alternatives such as bank statements.

❓Does pre-approval guarantee a mortgage?
No. Final approval still depends on underwriting, the property and appraisal, required documentation, and other loan conditions.

❓When should I get pre-approved?
Ideally, before you start house hunting. That way, when the right home pops up, you already know where you stand and you’re prepared to make an offer.

Know your numbers. Know your options. Then go find your place.

This is educational and not financial advice. Loan programs and guidelines can change. Talk to us about your specific scenario.

08/20/2026

Love to talk! Who’s next?

I love what I do, helping clients finance a new home. But I couldn’t do it without my team. and the many real estate professionals working together on our clients behalf. 🙏🏼

Home buying tip: Plan before you purchase. 🏡And one of the best places to start? Your budget.A mortgage preapproval can ...
08/17/2026

Home buying tip: Plan before you purchase. 🏡

And one of the best places to start? Your budget.

A mortgage preapproval can help you understand what you may qualify for, what a potential monthly payment could look like, and a comfortable price range to consider before you start seriously house hunting.

From there, you can:

💰 Define your budget — Know your numbers and shop with a clearer picture of what works for you.

🔑 Check your loan eligibility — We’ll walk through potential loan options and help you understand which programs may fit your financial situation and homeownership goals.

📍 Research locations — Once you have a price range in mind, you can focus your search on neighborhoods and communities that fit both your budget and lifestyle.

🏠 Prioritize your needs — More space? Shorter commute? New construction? A big backyard? Decide what matters most and where you’re willing to compromise.

Buying a home doesn’t have to start with scrolling listings. It can start with a plan. I’m here to help you understand the financing side so you can take the next steps with confidence.

With our Exclusive Mission 100 Zero Down* Mortgage, homeownership in Texas is closer than you think.•Buy Now with O% Dow...
08/11/2026

With our Exclusive Mission 100 Zero Down* Mortgage, homeownership in Texas is closer than you think.

•Buy Now with O% Down

•No PMI ( Conventional)

•No Income Limits

•Not Limited to First-time Homebuyers

•Low Closing Cost Options

•Conventional and FHA loan options

*Primary Residence Purchases Only. Subject to Program Guidelines.

📲713.737.5479 or APPLY NOW ( 🖇️in bio)

Found your dream home but still need to sell your current one first? You don’t have to choose between the two.Our Buy Be...
07/31/2026

Found your dream home but still need to sell your current one first? You don’t have to choose between the two.

Our Buy Before You Sell Program* lets you make a confident offer on your next home without the stress of a rushed sale or a contingent offer that gets passed over.

✅Buy first, move on your timeline
✅Skip the temporary housing shuffle
✅Make stronger, more competitive offers

DM me to start a quick conversation to see if you qualify.
Or, Call/Txt 713.737.5479 or click the 🔗in bio

*Not a commitment to lend. Subject to program guidelines.

(Buy Before You Sell Program)
(Homebuying Tips)
(Move-up Buyers)

Your income doesn’t fit a neat box and your loan shouldn’t either.Self-employed? Write-offs working against you on paper...
07/29/2026

Your income doesn’t fit a neat box and your loan shouldn’t either.

Self-employed? Write-offs working against you on paper? Traditional W-2 underwriting wasn’t built with you in mind, but Non-QM lending was.

✅ Bank Statement Loans — qualify using deposits, not tax returns
✅ 1099 Income Loans — built for gig workers & commission-based earners
✅ Asset Depletion Loans — turn your portfolio into proof of income
✅ ITIN Loans — homeownership without a Social Security number

You built a career outside the box. Let’s find you a loan that fits the life you actually live.

📲 Call me at 713.737.5479 to talk through your non-QM loan options.

JT Patel | Sr. Loan Officer | NMLS # 962495
Mission Mortgage of Texas | NMLS # 207583

Felt locked out? Let’s take a second look. 🔑

You don’t have to fit a formula to buy a home in Texas. Banks say no for a hundred different reasons — self-employment, credit blips, non-traditional income, you name it. But “no” from one lender doesn’t mean “no” everywhere.

We dig deeper to find the loan that fits YOUR situation not the other way around.

📲 Call me at 713.737.5479 to take a second look!

JT Patel | Sr. Loan Officer | NMLS # 962495
Mission Mortgage of Texas | NMLS # 207583

You spent years building your career. You shouldn’t have to spend years more saving for a down payment.We have two home ...
07/20/2026

You spent years building your career. You shouldn’t have to spend years more saving for a down payment.

We have two home loan programs* built specifically for doctors, nurses, and dentists- professionals with strong careers who haven’t had time to stockpile cash, or who’d rather keep their savings working for them instead of sinking it into a down payment.

If you’ve been telling yourself “someday,” these programs are built to make it right now.

🩺The number one reason strong buyers wait is cash for the down payment. These programs remove that barrier — little to nothing down.

🩺You can buy before your first day on the job.
A signed offer letter is enough. Relocating for residency, fellowship, or a new position? You can close up to 5 months before your start date - so you’re moving into your home, not a short-term rental.
o Student loans don’t have to sink the deal.

🩺If you’re a resident or fellow, large student loan balances can often be set aside when you qualify. The thing that usually kills a young doctor’s approval doesn’t have to kill yours.

Want to see if you qualify? DM me to get started!

* At least one occupying primary borrower whose income is used in qualifying, must meet professional designation and specified degree requirements. Only available for purchase and rate-and-term refinance transactions on select property types. Loan-value and credit requirements apply. May not be combined with secondary financing. Subject to minimum and maximum loan amounts. Contact your Mission Mortgage loan officer for more information. NMLS #

07/10/2026

You thought your mortgage loan officer just did loans. 😅

To my clients, I’m also a…

🧭 Wilderness explorer (finding that missing document)
🔮 Fortune teller (everyone wants to know where rates are headed)
⚖️ Law expert (explaining contracts… but knowing when it’s time to call the real pros)
🎩 Magician (making complicated financing feel simple)
💰 Wealth advisor (helping you think long-term, not just about the monthly payment)
🏎️ Race car driver (getting you to the closing table on time)

I don’t actually have these job titles but I do love being your mortgage loan officer.

I spend every day helping buyers navigate one of the biggest financial decisions they’ll ever make. The best part? I don’t do it alone. Behind every smooth closing is an incredible team of processors, underwriters, title professionals, real estate agents, insurance partners, and other experts working together to get you home.

🏡 That’s what I’m here for.

Address

901 S. Mopac Expwy Barton Oaks V, Suite 120
Austin, TX
78746

Opening Hours

Monday 8:30am - 5:30pm
Tuesday 8:30am - 5:30pm
Wednesday 8:30am - 5:30pm
Thursday 8:30am - 5:30pm
Friday 8:30am - 5:30pm

Telephone

+17137375479

Website

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