Tom Rocha - Home Loans

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Edinburg, TX
Tom Rocha - Home Loans

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👋 Welcome to my page – Glad you’re here! Let me assist you with home purchases, refinances, or cash-out options!

I’m here to make the loan process smooth and stress-free. Let’s find the right solution for you— call or text anytime. 🏡

10/10/2026

🏡 Could this be your next home in Edinburg?

📍 2529 W Hatfield Dr, Edinburg, TX
💰 Sales Price: $554,500
🔑 Example scenario with 3% down
⭐ 740 credit score
🤝 $10,000 in seller concessions
🏠 Estimated monthly payment: $4,740.53 — homeowners insurance not included.

Curious what buying a home like this could look like for you? Let's talk! I can help you explore your options and see what you may qualify for. 😊

📲 Call or text me at (956) 862-9809!

Tom Rocha | NMLS 2150119
Grand Capital Mortgage | NMLS 2692779

Payment is an estimate for illustration purposes only. Head Shot is also for illustration purposes only, not actual photo of me. 😁 Actual payments, taxes, insurance, rates, and loan terms may vary. Subject to credit approval and program guidelines. Seller concessions are subject to loan program limits and eligibility.

10/03/2026

🏡 Open House this Saturday! Come tour this beautiful Edinburg home and see if it could be the one! 🔑✨

📍 2709 Horizon Trail, Edinburg, TX 78541
🕚 11 AM–2 PM

💰 Estimated monthly payment: $5,009 — includes principal, interest, mortgage insurance (MI) and estimated property taxes; excludes homeowners insurance.

Financing example: 7.000% interest rate | 7.973% APR | 3% down ($18,900) | estimated closing costs $32,034 | estimated property taxes $586.95/month.

Rates, terms, costs and eligibility are subject to change and borrower qualification. This is an estimate for illustrative purposes only and is not a commitment to lend. Actual payment may vary. Consumer Financial Protection Bureau

Tom Rocha | Mortgage Loan Originator | NMLS #2150119
Grand Capital Mortgage, LLC | NMLS #2692779
4109 Crosspoint Blvd., Edinburg, TX 78539
grandcapitalmtg.com | Equal Housing Lender

09/29/2026

🏡 House hunting this weekend? Come see us! ✨

Join us this Saturday, October 3rd, from 11 AM to 2 PM for an Open House at this beautiful home in Edinburg!

Whether you're actively looking for a new home or just curious to see what's out there, we'd love for you to stop by, take a look around this beautiful hacienda, and say hello! 😊

📍 2709 Horizon Trail, Edinburg, TX 78541

Bring your questions, bring a friend, and let's talk about making your homeownership dreams a reality!

👩‍💼 Brianna Plata – Realtor (956) 379-3819

👨‍💻 Tom Rocha - Lender (956) 862-9809

09/27/2026

Your next home could start right here. 🏡

Join us this weekend at CJE Construction and explore custom building opportunities, available homesites, and move-in ready options.

📅 September 26–27
⏰ 12 PM–4 PM
📍 2600 E Comal Rd, Edinburg, TX
📞 956-468-1600
🌐 www.cjeconstruction.com

09/20/2026

🏡 Thinking about buying your first home? Don't overlook FHA financing!

Here are a few FHA basics every buyer — and Realtor — should know:

🔹 As little as 3.5% down for qualifying borrowers
🔹 Flexible credit guidelines
🔹 Mortgage insurance is required
🔹 Not just for first-time buyers
🔹 1–4 unit properties may be eligible
🔹 Gift funds and certain down-payment assistance programs may be available
🔹 Loan limits vary by county and property type

💡 Example: On a $300,000 home, 3.5% down would be $10,500 — before considering closing costs, prepaid items, and other transaction expenses.

The important part? FHA isn't automatically the right loan for everyone. Your income, credit, debts, down payment, property, and overall financial situation all matter.

🏠 Buying or working with a buyer who may benefit from FHA? Let's talk.

Tom Rocha | Loan Officer
Grand Capital Mortgage
NMLS #2150119 | Company NMLS #2692779
(956) 862-9809
[email protected]

Equal Housing Opportunity

FHA guidelines, loan limits, rates, terms, and program availability are subject to change. Qualification and approval are subject to lender and FHA requirements. This is not a commitment to lend.

09/16/2026

www.grandcapitalmortgage.com

09/06/2026

🏡 Ready to buy a home but worried about the down payment?

You may have options! 🙌

We currently offer FHA Down Payment Assistance programs that may help cover the required FHA down payment, potentially allowing eligible buyers to purchase with $0 down.*

And here's something many people don't realize 👇

✅ Not limited to first-time homebuyers!
✅ FHA financing
✅ DPA second-lien assistance
✅ 620 minimum FICO for eligible AUS Approve/Accept findings
✅ 660 minimum FICO for eligible manual underwriting
✅ Eligible condos, single-family homes, townhomes & manufactured homes
✅ Homebuyer counseling requirements apply
✅ 3-year forgivable-term option may be available*

Think you might qualify? Let's find out!

📲 CALL OR TEXT TOM TODAY:
(956) 862-9809

I'm happy to answer your questions and go over the program with you—no pressure, just information so you can see what options may be available. 😊

Tom Rocha | NMLS #2150119
Grand Capital Mortgage | NMLS #2692779
www.grandcapitalmortgage.com

Program availability, terms, qualifying criteria, property eligibility, assistance amount, and forgiveness requirements are subject to program guidelines and lender approval and may change. Not all applicants qualify. Other restrictions and requirements may apply. This is not a commitment to lend. Equal Housing Opportunity.

08/26/2026

🏡✨ OPEN HOUSE | 2317 E Tamarindo St, Hidalgo, TX

Come see your potential new home! 🏡 Join us for an open house and tour this beautiful 3-bedroom, 2.5-bath home.

📅 Saturday, August 29th
⏰ 11 AM–1 PM
📍 2317 E Tamarindo St, Hidalgo, TX 78557
💰 $265,000

✨ Tom Rocha will be on-site to answer your mortgage and financing questions!

Come tour the home, ask questions, and take the first step toward homeownership. 🤍

📲 Litzy Ibarra, REALTOR® | (956) 558-2541

Invest with purpose. Build with vision.

08/23/2026

🏠 Want to know what you may qualify for?

Here are 2 free tools you can use at home to see how much you can pre-qualify for and to pull your credit for free.

1) https://www.grandcapitalmortgage.com/affordability-calculator.asp

2) https://www.annualcreditreport.com

This video is for educational and informational purposes only and does not constitute a commitment to lend or a loan approval. Mortgage calculators provide estimates only.
Actual loan qualification, interest rate, payment, terms, and eligibility are subject to credit, income, assets, property, and underwriting guidelines.
Checking your own credit report through AnnualCreditReport.com is a consumer resource and does not replace a lender’s credit review.
Equal Housing Opportunity. NMLS #2150119.

Address

4119 Crosspoint Boulevard
Edinburg, TX
78539

Telephone

(956)8629809

Website

https://www.grandcapitalmortgage.com/, https://www.nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/2692779

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