Mortgage Maria and Mortgage Mike

Mortgage Maria and Mortgage Mike Company NMLS #89745 Maria Gonzales NMLS #196040 Michael Gonzales NMLS #2241521 Buying a home is one of the most exciting times in a person’s life!

New surroundings, new dreams, new ideas and new memories to be made! Along with exciting, the process of home buying can get a little overwhelming at the same time. It’s important to have a mortgage company that gives you peace of mind and walks you through step-by-step to ensure a smooth and easy transaction. Mortgage Masters of Texas is that company! We specialize in Jumbo, Conventional, FHA, US

DA, & VA throughout Texas. On top of that, we value each and every one of our clients and customers and truly believe they come first before anything else. Go with a company you can trust to handle all of your mortgage related needs. Go with Mortgage Masters of Texas! We look forward to doing business with you!

Experience matters! We got this one cleared to close in 25 days.
06/09/2026

Experience matters! We got this one cleared to close in 25 days.

05/03/2026

Waiting on Rates? Should you wait for interest rates to drop? Let’s hear what Mortgage Mike has to say.

04/11/2026

Question: Do you really need a 700+ credit score to buy a home? Michael Gonzales Maria Cantú Gonzales Realtor Maria

03/21/2026

What you ever wondered what is needed for a pre-approval? Realtor Maria

03/13/2026

📢 Mortgage Maria here! Let’s talk about TBD mortgage applications.
After yesterday’s video, we had several people reach out asking for more details about the different outcomes when submitting a loan file with a TBD (To Be Determined) address, so I wanted to break it down.
🏡 Pre-Approval
This means the lender has reviewed your credit, income, assets, and basic financials and you appear qualified for a mortgage up to a certain amount. It’s a great starting point when you're beginning your home search.
⚠️ Conditional Approval (TBD Address)
This is recommended when there are still questions after a review and we are unable to provide a pre-approval. Yet, it puts you in a stronger position when completed. Your file has goes through deeper underwriting review, but there are conditions that still need to be met before final approval. These might include additional documents, property details, or updated financial information once a home is under contract.
❌ Decline
If the lender determines that the file doesn’t currently meet loan guidelines, the application may be declined. The good news is this often gives borrowers a roadmap of what needs to be improved (credit, debt, income documentation, etc.) so they can reapply in the future.
💡 Why use a TBD address?
Submitting a file with a TBD address allows lenders to start reviewing your financials before you even pick a home, which can make the process smoother and faster once you find the right property.
If you have questions about getting started or want to understand where you stand, Mortgage Maria is here to help. 💬
Let’s get you prepared for homeownership! 🏡🔑Realtor Maria

03/12/2026

💡 Why submit a mortgage application with “TBD Address”?
When buyers are still exploring homes or not 100% sure if they will qualify, submitting a loan file with a “To Be Determined” (TBD) address can be a smart move.
✔️ It allows the lender to start reviewing the buyer’s financials early
✔️ Buyers can get credit, income, and assets reviewed upfront
✔️ It helps identify potential issues before you’re under contract
✔️ When you do find the right home, the process can move much faster
In a competitive market, being prepared can make a big difference between winning or losing a deal.
Thinking about buying soon? Let’s make sure you’re ready when the right home pops up. 🏡🔑 Realtor Maria

Call today!
12/29/2025

Call today!

Working all weekend. Reach out if you’re looking to get pre-approved.
12/13/2025

Working all weekend. Reach out if you’re looking to get pre-approved.

🎉 Our Team Just Got Another Loan Clear to Close! 🎉There’s nothing more rewarding than calling a borrower to say, “You’re...
12/10/2025

🎉 Our Team Just Got Another Loan Clear to Close! 🎉
There’s nothing more rewarding than calling a borrower to say, “You’re clear to close!” It’s a milestone that represents weeks of teamwork, documentation, communication, and dedication from everyone involved, our buyers, our partners, and our lending team.

So what does “Clear to Close” actually mean in the mortgage world?
A Clear to Close (CTC) is the official green light from the lender that all conditions have been reviewed and satisfied. At this stage:
✔️ The underwriter has approved all documentation
✔️ Income, assets, and credit have been fully verified
✔️ The appraisal and title work meet all guidelines
✔️ All conditions have been cleared

This means the loan is fully approved and the closing date can be scheduled. In other words… it’s one of the final step before a buyer gets the keys to their new home! 🏡✨

Achieving a Clear to Close is a big moment not just for the borrower, but for us as a team. It reflects our commitment to communication, accuracy, and making sure every detail is handled with care.

We’re proud of another smooth and successful approval, and even more excited for our buyers as they move one step closer to homeownership.

If you have questions about the home loan process, whether you’re buying, refinancing, or just exploring your options, give us a call. We’re here to guide you every step of the way! 832-620-7112 ☎️
Mortgage Maria and Mortgage Mike

Mortgage Mike working on that Clear to Close. 📅
12/10/2025

Mortgage Mike working on that Clear to Close. 📅

Address

11133 Interstate 45 South Suite 310A
Conroe, TX
77302

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm

Telephone

+18326207112

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