JLOAN

JLOAN https://linktr.ee/jloan

The best Mortgage Loan officer in town! It's your girl . Enjoy this page to follow my journey!

See tips & videos about the mortgage process.

"Investor Question: If I could show you how to use the equity in one rental property to help buy another, would you want...
06/16/2026

"Investor Question: If I could show you how to use the equity in one rental property to help buy another, would you want to learn how?"

🔥 INVESTORS: Stop Letting Your Equity Sit Idle. Put It Back to Work.

Most investors don't have an income problem.

They have a capital problem.

The equity trapped inside your current investment properties may be the key to buying your next one.

With our DSCR Investor Program, you can qualify based on the property's cash flow—not your personal income.

✅ No Income Verification

✅ No Tax Returns

✅ LLCs Allowed

✅ 40-Year & 40-Year Interest-Only Options

✅ DSCR Available Nationwide

✅ No Employment Verification

✅ Use DSCR Cash-Out to Access Equity and Acquire More Properties

Imagine pulling equity from one rental and using it to purchase another...

Then repeating the process again.

That's how portfolios are built.

🏠 Buy in your LLC

💰 Improve monthly cash flow with extended loan terms

📈 Scale your portfolio faster

🔑 Build passive income and long-term wealth

Whether you're purchasing your first investment property or your fifteenth, let's create a strategy to help you grow.

📞 Janette Holland |

(817) 601-5456

📧 [email protected]

🌐 www.TheJLoan.com

Question for Realtors: If you could own 5 rental properties in the next 10 years, would you?🏡 REALTORS: Stop Selling Eve...
06/16/2026

Question for Realtors: If you could own 5 rental properties in the next 10 years, would you?

🏡 REALTORS: Stop Selling Every Deal... Start Owning Them.

You spend your career helping clients build wealth through real estate.

When was the last time you focused on building your own portfolio?

Whether you're buying your first investment property or adding doors to an existing portfolio, I can help you leverage DSCR financing to create passive income and long-term wealth.

✅ No Income Verification

✅ No Tax Returns

✅ LLCs Allowed

✅ 40-Year & 40-Year Interest-Only Options

✅ DSCR Available Nationwide

✅ Negative Cash Flow Properties Considered

Already own investment properties?

💰 Ask me about our DSCR Cash-Out program and how you may be able to use your existing equity to purchase additional rental properties.

Build Passive Income.

Build Equity.

Build Your Future.

📞 Janette Holland |

(817) 601-5456

📧 [email protected]

🌐 www.TheJLoan.com

NMLS #160350

🚨 REALTORS, FRIENDS & REFERRAL PARTNERS 🚨If you know someone looking to buy a home, I’d love the opportunity to help!I w...
06/12/2026

🚨 REALTORS, FRIENDS & REFERRAL PARTNERS 🚨

If you know someone looking to buy a home, I’d love the opportunity to help!

I was taught early in networking that when you ask for “anyone,” you usually reach no one. So this weekend, I’m specifically looking for:

✅ Self-employed borrowers
✅ 1099 employees
✅ Business owners
✅ Independent contractors
✅ Borrowers whose tax returns don’t show enough income to qualify traditionally

Many people assume they can’t buy a home because their tax returns show too little income. The truth is, there may be other options available.

🏡 Alternative Income Programs Available:

✔️ No tax returns required
✔️ 2 Years 1099 Income
✔️ 12-24 Months Personal Bank Statements
✔️ 12-24 Months Business Bank Statements
✔️ 2 Years Profit & Loss Statement (Primary Residence Only)

I recently closed a loan using just 12 months of personal bank statements. The borrower purchased with only 10% down and had NO mortgage insurance. The process was surprisingly smooth!

Too many self-employed borrowers are told “No” when the reality is they simply need a different loan program.

💥 You don’t have to rent forever.
💥 You CAN buy.
💥 You just need the right options.

⚠️ Important Disclaimer:
These programs are not designed for borrowers with no assets available for a down payment. Most require a minimum of 10% down, and depending on credit score, loan amount, and loan-to-value ratio, additional funds may be required.



📞 (817) 601-5456
📧 [email protected]
🌐 www.TheJLoan.com

NMLS #160350

05/14/2026

There are 3 main ways homeowners tap into their home equity… but they are NOT all created equal. 👀
#1. Cash-Out Refinance
This replaces your current mortgage with a brand new loan for a higher amount and gives you the difference in cash as a one-time lump sum payment.

✅ Pros:• Usually offers lower interest rates than other equity options• Can consolidate debt into one payment• Fixed rate/fixed payment options available

⚠️ Cons:• You may have to restart your mortgage term• Closing costs apply• If your current rate is low, you may lose it by refinancing (depending on the market)

#2. HELOC (Home Equity Line of Credit):
Think of this like a credit card secured by your home. You borrow only what you need, when you need it. Most recently almost all lenders are requiring a minimum draw at closing so important to ask what that amount is.

✅ Pros:• Flexible access to funds• sometimes you can have Interest-only payment options during draw period• Great for ongoing projects or emergency access

⚠️ Cons:• Mostly Variable interest rates that can increase but there are now fixed rate options too• Payments can rise significantly later depending on increase of amount taken out and if interest only rates can rise• Easy to over-borrow if not careful

#3. HELOAN (Home Equity Loan):
This is a lump sum second mortgage with a fixed payment.

✅ Pros:• Fixed rate and predictable payment• Great for one-time large expenses• Keeps your first mortgage untouched

⚠️ Cons:• Separate payment from your mortgage• Closing costs may apply• Less flexibility once funds are disbursed

🚨 TEXAS HOMEOWNERS — IMPORTANT 🚨Texas has very specific equity laws. If your current mortgage is already a Texas Cash-Out loan (A6 title policy), Texas does NOT allow you to place a HELOC or HELOAN behind it.

That means your options may be more limited than you think — which is why it’s so important to speak with someone who understands Texas equity rules BEFORE making a move.

Every homeowner’s situation is different. The “best” option depends on your goals.
Questions about your equity options? Let’s talk through it. (817) 60

Yall please pinch me!!! How is my baby girl 18!!!!!!????? Please STOP 🛑 and wish her a fantastic birthday today! This pr...
05/08/2026

Yall please pinch me!!! How is my baby girl 18!!!!!!????? Please STOP 🛑 and wish her a fantastic birthday today!
This princess is a straight A student, headed to LSU, is the sweetest, lovable, kind, talented and many more awesome things.
If in your heart send her $18 for her 18th birthday to Cashapp $jasholland08

Love you Jassy!!! May this 18th birthday be the best and cannot wait to see what all you accomplish in the years to come.

05/08/2026

I’m a huge believer in Down Payment Assistance programs WHEN they make sense for the borrower.

But what most people don’t realize is:
✔️ Some are grants
✔️ Some are forgivable loans
✔️ Some require repayment later
✔️ Some can affect refinancing or selling your home

Here’s a short video about the truth most lenders don’t explain…

My job isn’t just to help people buy homes… it’s to make sure they fully understand what they’re signing up for.

If you or someone you know has everything in line but they are lacking some assets to get out of renting and becoming a homeowner, call me. I’m happy to help.
(817) 601-5456
www.TheJLoan.com
NMLS #160350


What a heck of a season. Didn’t end the way we wanted it to but I am so proud of each and every girl! They grew this yea...
05/03/2026

What a heck of a season. Didn’t end the way we wanted it to but I am so proud of each and every girl! They grew this year from beginning to end. Not just athletically but as friends …as a team. Last year going into tryouts late for Jade due to soccer, I really had no clue where we would end up due to teams already being made, teams wanting a certain height and everything that I thought could go wrong..but God always has a plan more than we can see. She ended up right where he wanted her.
I could not be more thankful to Coach Rosana Barbosa and Payton for not only giving her a chance but truly believing in Jade. What an amazing season and by far my favorite!
Thank you to Heather Green for always bringing your artistic genius to any project I throw your way. It wasn’t a goodbye gift but a THANK YOU to her teammates, her coaches and every parent for making this season so enjoyable. Personalized volleyballs to always remember our team! .1

05/01/2026

Let’s be real…
“Buying a home with $0 in your bank account” is NOT how this works.

Here’s what most people don’t tell you about buying a home:

Before you even get the keys, seller concessions or down payment assistance, you will pay for:
✔️ Earnest money deposit
✔️ Option fee
✔️ Home inspection (and possibly more)
ALL UP FRONT.

And if the deal falls through… most of that money doesn’t come back to you and you start all over again with the next home.

Don’t let social media set you up to fail. There is a big difference between $0 money down and $0 money out of pocket.

A strong buyer isn’t just approved — they’re prepared.
And that makes all the difference in this market.

One thing you may have learned about me is since 2017 I have brought mortgage videos that tell you the truth because wholeheartedly I do not want you to fail. Let me help you be best prepared.

(817) 601-5456

NMLS #160350

Address

8813 N Tarrant Boulevard #230
Keller, TX
76248

Opening Hours

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

Telephone

+18176015456

Website

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