David Colclough - Mortgage Loan Originator

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Houston, TX
David Colclough - Mortgage Loan Originator

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Allow me to help make your home purchase or refinance transaction a pain-free and positive experience! Licensed in SC, GA, FL and TX. NMLS 2234650

10/31/2026

There’s nothing quite like celebrating Halloween in the comfort of your own home. 🎃 From carving pumpkins to sharing treats, the sweetest holiday memories are made right where you live.

Wishing you and your family a fun, safe, and happy Halloween from team Loan Factory! What is your favorite Halloween tradition at home? Let us know in the comments below! 👇

David Colclough | NMLS #2234650
Loan Factory | NMLS #320841

10/30/2026

Just because you're pre-approved for a certain amount doesn't mean you should spend it! 💡

Factors like property taxes, insurance, HOA dues, and your personal savings goals all affect what you'll comfortably pay each month.

Planning to buy soon? Send me a message today and let's review your true budget before you start home shopping! 🏡

For informational purposes only. Not a commitment to lend.

David Colclough | NMLS #2234650
Loan Factory | NMLS #320841

10/29/2026

Ready to expand your real estate portfolio without relying on personal tax returns? 🏠

DSCR financing focuses on whether the property's rental income supports its mortgage payment, making it easier to fund your next deal. 📈

Looking at your next rental property? Message me DSCR today to explore your options!

For informational purposes only. Not a commitment to lend.

David Colclough | NMLS #2234650
Loan Factory | NMLS #320841

10/28/2026

Planning to use family gift funds for your down payment? 🏡

Gift funds can be a game-changer for homebuyers, but specific guidelines apply depending on the loan program, who provides the gift, and how it is documented.

Have questions about your situation? Send me a message today to learn how the rules apply to you!

For informational purposes only. Gift-fund requirements vary by loan program, lender, donor, property, and transaction. Not a commitment to lend.

David Colclough | NMLS #2234650
Loan Factory | NMLS #320841

10/27/2026

Unlocking your home equity can give you the flexibility you need for upcoming expenses or new opportunities. 🏠✨

Our streamlined HELOC program offers eligible homeowners a convenient online application and flexible options tailored to your situation.

Want to see what options are available to you? Send me a message today to explore your possibilities!

For informational purposes only. Not a commitment to lend.

David Colclough | NMLS #2234650
Loan Factory | NMLS #320841

10/26/2026

Thinking about buying a home this fall? 🍂

Housing conditions shift throughout the year, and fall often brings a unique local buying environment. Message me today to explore your financing options so you can make your next move with confidence!

Market conditions vary by location. For informational purposes only.

David Colclough | NMLS #2234650
Loan Factory | NMLS #320841

10/23/2026

Myth buster: Getting pre-approved doesn't mean you're locked into using that specific lender! 💡

While pre-approval helps you understand your home buying power, you still have the freedom to compare available loan options before deciding how to move forward.

Get informed before you make your next move! Reach out to us today to explore your options.

Pre-approval is subject to verification, underwriting guidelines, and lender requirements. Not a commitment to lend.

David Colclough | NMLS #2234650
Loan Factory | NMLS #320841

10/22/2026

Real estate investors: your property’s cash flow could help you qualify! 🏢

DSCR loans focus on the property’s rental income rather than traditional personal income. Because requirements vary by program, we can help you find the right structure for your specific scenario.

👉 Send us a message today to explore your DSCR loan options!

Programs subject to guidelines. Not all borrowers will qualify.

David Colclough | NMLS #2234650
Loan Factory | NMLS #320841

10/21/2026

Buying a home is an exciting journey, but understanding the mortgage process makes all the difference! Here is your quick roadmap to success:

✅ Get pre-approved
🏡 Start house hunting
📄 Complete processing & underwriting
🔑 Receive your keys at closing

Every buyer's path is unique, but having expert guidance helps you move forward with confidence. Ready to take the first step? Send me a message today!

David Colclough | NMLS #2234650
Loan Factory | NMLS #320841

10/20/2026

Thinking about buying a home soon? 🏡 Before you start browsing listings, getting clear on your financing options is an essential first step. Knowing your true buying power gives you clarity and confidence when searching for the perfect property.

Let’s connect to discuss your goals and explore the loan programs available for you. Send me a message today to get started!

David Colclough | NMLS #2234650
Loan Factory | NMLS #320841

Address

14405 Walters Road Suite 1003
Houston, TX
77014

Telephone

+18035283274

Website

https://www.nmlsconsumeraccess.org/, https://thelendingvillage.com/privacy-policy/, https://bit.ly/m/DavidColcloughthemo

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