Texas Mortgage Plan

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Flower Mound, TX
Texas Mortgage Plan

Texas Mortgage Plan
powered by Legacy Mortgage
Equal Housing Lender NMLS #1759275

Shea Patton
Residential Mortgage Loan Originator
NMLS #: 251397
Direct 214.244.8640

09/02/2026

What Credit Score Do You Need for a Mortgage, Really?

700? 620? 580? Here's exactly what credit score you need for a mortgage, broken down by loan type.

700? 620? 580? Here's exactly what credit score you need for a mortgage, broken down by loan type.

09/01/2026

What Happens After Pre-Approval?

Getting pre-approved isn't the finish line. Here's exactly what happens next, step by step.

Getting pre-approved isn't the finish line. Here's exactly what happens next, step by step.

08/31/2026

The Complete Guide to Mortgage Qualification in Texas

Credit, income, debt, and reserves. Here's exactly how Texas lenders evaluate all four when you apply for a mortgage.

Credit, income, debt, and reserves. Here's exactly how Texas lenders evaluate all four when you apply for a mortgage.

08/28/2026

What Counts as Income for a Mortgage?

Bonus pay, Social Security, rental income, alimony... here's the full list of what actually counts toward your mortgage.

Bonus pay, Social Security, rental income, alimony... here's the full list of what actually counts toward your mortgage.

08/27/2026

Down Payment for First-Time Homebyer: What You Need in Texas

The down payment first-time buyers actually need in Texas is a lot lower than most people assume. Here's the real range.

The down payment first-time buyers actually need in Texas is a lot lower than most people assume. Here's the real range.

08/26/2026

How Much Equity Can You Access From Your Texas Home?

Total equity and accessible equity aren't the same number in Texas. Here's the exact math to find yours.

Total equity and accessible equity aren't the same number in Texas. Here's the exact math to find yours.

08/25/2026

How Is DSCR Calculated for a Rental Property?

One simple ratio determines whether a rental property qualifies for financing. Here's exactly how it's calculated.

One simple ratio determines whether a rental property qualifies for financing. Here's exactly how it's calculated.

08/24/2026

How Do Mortgage Lenders Calculate Self-Employed Income?

Your tax return doesn't tell the whole story. Here's the exact formula underwriters use to calculate self-employed income.

Your tax return doesn't tell the whole story. Here's the exact formula underwriters use to calculate self-employed income.

08/21/2026

Tax Write-Offs vs. Mortgage Qualification for Self-Employed

Minimizing taxes and maximizing mortgage approval pull in opposite directions. Here's how to actually think about the trade-off.

Minimizing taxes and maximizing mortgage approval pull in opposite directions. Here's how to actually think about the trade-off.

08/19/2026

Using Home Equity to Consolidate Debt: Does It Make Sense?

Rolling high-interest debt into home equity can save thousands. But there's one risk that has nothing to do with the numbers.

Rolling high-interest debt into home equity can save thousands. But there's one risk that has nothing to do with the numbers.

Address

6050 Long Prairie Road, Suite 100-A 23
Flower Mound, TX
75028

Website

http://texasmortgageplan.com/

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