TJ Mortgage Pro

Real loans. Real Savings. We help investors and homeowners skip the retail fees and build wealth with smart and strategic lending. Caliber Home Loans inc. 1525 S.
(1)

Belt line Rd Coppell, TX 75019
NMLS #15622 (www.nmlsconsumeraccess.org). 1800-401-6587. Copyright 2020. All rights reserved, This is not an offer into an agreement. Not all customers will qualify. Information, rates, and programs are subject to change without prior notice. All products are subject to credit and property approval. Not all products are available in all states or for a dollar amounts

/ Other restrictions and limitations apply. Caliber cannot accept mortgage loan applications or inquiries for properties located in New York through this site. Regulated by the Division of Real Estate.

06/19/2026

Most people think the goal of a refinance is a lower payment.
Wrong.
The goal is to accomplish YOUR goal.
This homeowner didn't want another 30 years of payments.
They wanted freedom.
So, we reduced their rate from 8.25% to 5.50%, shortened the term to 15 years, and positioned them to save over $450,000 in interest.
For only $285 more per month.
Because not everyone wants vanilla ice cream.
We listen.
We create solutions.
And we help people build wealth intentionally.
Who you work with matters.

06/17/2026

Akron, OH ✅

This investor purchased the property at a wholesale price using cash, completed the renovation with cash, and was looking for a way to pull that capital back out and move on to the next deal.

Using a Cash-Out DSCR refinance with no seasoning requirements, we were able to lend off the new appraised value, pay off the hard money loan, transition the property into a long-term rental, and recoup 100% of the investor's original cash investment.

Loan Highlights:

✅ No income documentation
✅ No tax returns
✅ No minimum credit score requirement
✅ Up to 80% LTV
✅ Close in an LLC
✅ No reporting to personal credit
✅ Competitive rates & fees
✅ Fast closing

This is exactly why investors leverage DSCR financing. Buy right, add value, refinance based on the new appraised value, and put your capital back to work on the next opportunity.

🔗 https://linktr.ee/tjmortgagepro

06/16/2026

Not every transaction follows a straight path, but successful outcomes come from having the flexibility and expertise to adapt when challenges arise.

For this investment property, the objective was clear: refinance out of a hard money fix-and-flip loan, transition the property into a long-term rental, and preserve cash flow for the investor.

This Cash-Out DSCR loan provided the investor with the ability to move forward while avoiding significant extension costs and maintaining momentum on their investment strategy. While recouping just over 90% of their full initial investment.

Key loan highlights:

✅ No income documentation required
✅ No tax returns required
✅ No credit score requirement
✅ Up to 80% LTV
✅ Eligible to close in a Layered entity LLC's
✅ No reporting to personal credit
✅ Competitive rates and fees
✅ Efficient closing process

If you're exploring financing for an investment property, let's discuss your goals and identify the strategy that best fits your situation.

🔗 https://linktr.ee/tjmortgagepro

05/21/2026

"Second time we chose to work with him.”
That right there means everything. Thank you for the continued trust and support! ⭐️
When they come back, is when you know you do things right.

05/20/2026

Most people only hear about their traditional FICO score.
But for some Conventional and VA loans, we may be able to use the VantageScore model instead.

In this case, it made a HUGE difference 💥
723 vs. 655 — saving our client an additional $6,525 on their cash-out refinance.

If high-interest debt is keeping you stuck, let’s explore your options.
Conventional, VA and now FHA Streamline refinances

05/18/2026

Sometimes things happen … but the goal remains the same.

After unexpectedly running into a credit hiccup during this transaction, we shifted gears and found another way to get this deal done exactly as intended.

The goal was simple: pay off the hard money fix & flip loan on this Alton, IL property, transition it into a long-term rental, and keep the property cash flowing for our investor.

To the surprise of our clients… we got it done anyway. 👊

This CASH OUT DSCR loan allowed our investor to move forward without the traditional roadblocks avoid massive extension fee from the F&F investor. Many lenders would've stopped. We keep going understanding we have more options than anyone in the country.

✅ No income docs
✅ No tax returns
✅ NO CREDIT needed
✅ Up to 50% LTV
✅ Close in an LLC
✅ No reporting to personal credit
✅ Fast closing with competitive rates & fees

Every investor’s situation is different. Sometimes it just takes the right strategy and the right lending team to see the bigger picture.

If you’ve hit a wall with traditional financing, let’s talk through your scenario. There may be options you didn’t know were possible.
https://linktr.ee/tjmortgagepro

05/13/2026

Another VA loan win here in Grand Junction, Colorado 🇺🇸

We were honored to help this veteran family not only lower their interest rate with a new 30-year fixed VA loan, but also use their equity to pay off high-interest debt — creating over $1,400 in monthly savings.

But we don’t stop there.
Our team works closely with trusted partners to look for every possible way to improve monthly cash flow, including reviewing homeowners insurance for additional savings opportunities. In this case, our preferred insurance partner helped lower their hazard insurance by over $100 per month as well.

Our veterans have sacrificed for all of us. The least we can do is go the extra mile to help create financial breathing room and long-term stability for them and their families.

If you’re a veteran and and looking to purchase, refinance or simply want to chat about your options, we are here to help.

05/05/2026

Another one funded in beautiful Durango, Colorado. 🔥

This one checked a lot of boxes that many lenders shy away from:
✔️ Mixed-use property
✔️ Non-warrantable condo
✔️ DSCR refinance
✔️ No tax returns or paystubs needed
✔️ Closed in just 23 days

These are the types of loans where experience, relationships, and knowing how to structure the deal actually matters.

Not every property fits inside the “big bank retail box” — and that’s exactly where we thrive here at Nexa. Low fees, fast closings, and solutions for borrowers who need more than a cookie-cutter approach.

If another lender told you “no,” or your deal is getting complicated, let’s talk. There’s usually a way to get it done.

04/24/2026

Another one funded in Grand Junction, CO for a first-time homebuyer 👏

This one took some lifting to make it work.

When other lenders have to go up the chain to get lender credit approvals, we’re able to make those decisions ourselves — in real time — to keep the deal moving and do what’s needed to make it work for both the buyer and the seller.

That’s how we choose to do business. Take care of people first, find the solutions, and get it to the finish line.

Huge congratulations to our first-time homebuyer and thank you again for trusting us throughout this amazing process 🙌

If you’re thinking about buying and want a team that can actually moves when it matters… let’s talk.

04/21/2026

FUNDED 🔥 | Grand Junction, CO

Self-employed borrower? You may not need tax returns or W-2s to access your home’s equity.

This Bank Statement HELOC was approved using 12 months of bank statements—no impact to the existing low-rate 1st mortgage.

✔️ Primary, 2nd homes & investment properties
✔️ As low as a 600 credit score
✔️ Fast decisions

If your scenario doesn’t fit automated guidelines, we take a hands-on approach to review your income and property.

Address

571 25 Road
Grand Junction, CO
81505

Website

https://linktr.ee/tjmortgagepro, https://heloc.nexamortgage.com/invite/nexa-mortgage-llc/t.j.-hines/signup

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