Mortgage Loans Co

Mortgage Loans Co Licensed mortgage broker specializing in first-time buyers, refinancing, VA loans, and luxury properties. NMLS #2044646. Serving Texas.

Get pre-approved in 24 hours! Your trusted partner for home financing solutions. We make homeownership accessible with competitive rates and expert guidance.

🎓 Just walked at UT graduation last weekend. Started his first job at a Kyle consulting firm on Monday. Closed on his fi...
05/28/2026

🎓 Just walked at UT graduation last weekend. Started his first job at a Kyle consulting firm on Monday. Closed on his first home 11 days later.

Here's how that's possible:

He skipped the lease entirely. Went straight from college apartment to homeownership using a professional loan program designed for new graduates with strong job offers.

The setup:
→ Closed 11 days after his start date (employment letter + signed offer counted as income)
→ $0 down using the program
→ 2-bed condo near 5 minutes from his office
→ Monthly payment $200 less than the apartment lease he almost signed

He's 23. He owns a home in Central Texas. The traditional path of "rent for 5 years, save for a down payment, maybe buy by 30" isn't the only way anymore.

If you're starting a new role in healthcare, law, finance, or consulting — let's talk before you sign that lease. mortgagelc.com/apply or 512-820-5714.

Dustin Allan | NMLS #2044646 | Equal Housing Lender
Average close time 18 days. Subject to credit approval. Professional loan programs vary by lender, eligibility, and degree type.

👔 If you make $80K and think you can't afford to buy in Central Texas — run the math. Then run it again with the right p...
05/27/2026

👔 If you make $80K and think you can't afford to buy in Central Texas — run the math. Then run it again with the right programs.

The default assumption is renting forever until you have a fat down payment. The reality? Most young professionals could already be building equity instead.

Real numbers, $300K home in Kyle (5% down via TSAHC):
→ Loan amount: $285K
→ Estimated PITI (principal, interest, taxes, insurance): ~$2,250/mo
→ Average 1-bedroom Austin rent: ~$1,750/mo

Yes, owning costs more per month. But:
→ ~$700 of that PITI builds your equity (not your landlord's)
→ Tax deduction on mortgage interest puts ~$200/mo back at filing
→ Your payment is fixed — Austin rent goes up 5–8% per year

If you're earning, building credit, and watching rents climb — let's see what your real budget looks like. mortgagelc.com/apply or 512-820-5714.

Dustin Allan | NMLS #2044646 | Equal Housing Lender
Subject to credit approval. Programs vary by eligibility. Estimates only — your numbers will vary by rate, taxes, insurance, and program.

📖 Translation Tuesday: Earnest MoneyMortgage word of the week: Earnest Money.In plain English: when you make an offer on...
05/26/2026

📖 Translation Tuesday: Earnest Money

Mortgage word of the week: Earnest Money.

In plain English: when you make an offer on a house, you put down a deposit to show the seller you're serious. That's earnest money. Usually 1–2% of your offer price — so on a $350K home, expect $3,500–$7,000.

Three things most first-time buyers don't realize:
→ It's NOT extra cost. It gets credited toward your down payment at closing.
→ It sits in escrow with the title company — not the seller's bank account.
→ You can lose it if you back out for reasons not protected by your contract.

Translation: skin in the game so the seller takes you seriously. Bigger earnest money = stronger offer in a competitive market.

Curious how much earnest money you should put down on the home you're eyeing? Send me a message.

Dustin Allan | 512-820-5714 | mortgagelc.com
NMLS #2044646 | Equal Housing Lender
Subject to credit approval.

In honor of those who gave everything so we could come home.Today is for them. For their families. For the seats left em...
05/25/2026

In honor of those who gave everything so we could come home.

Today is for them. For their families. For the seats left empty at every table.

We carry their memory by living the lives they protected — in the homes they made possible.

Thank you to every Gold Star family in Central Texas. We see you today.

— Mortgage Loans Co. | Kyle, Texas
NMLS #2044646 | Equal Housing Lender
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🏠 An Austin couple just sold the house where they raised three kids — and bought their next chapter in Buda.Their story ...
05/22/2026

🏠 An Austin couple just sold the house where they raised three kids — and bought their next chapter in Buda.

Their story (with permission):

They'd been in their 3,200-sqft Austin home for 22 years. The kids were grown. Property taxes had doubled. The yard had become a part-time job. They wanted less house, less maintenance, and to be closer to their daughter and grandkids in Hays County.

What we built:
→ Sold the Austin home at top of market
→ Bought a 1,650-sqft single-story in Buda — low-maintenance lot, single floor
→ Right-sized down with cash to spare
→ Pocketed $140,000 to bank for retirement and travel

Less house. More life. That's the math of a smart downsize.

If your kids have moved out and your home suddenly feels like a museum you maintain — let's run the numbers on what right-sizing could look like for you. mortgagelc.com/apply | 512-820-5714.

Dustin Allan | NMLS #2044646 | Equal Housing Lender
Subject to credit approval.

🏥 The mortgage program built for medical professionals — and why most of you don't know it exists.If you're a physician,...
05/20/2026

🏥 The mortgage program built for medical professionals — and why most of you don't know it exists.

If you're a physician, dentist, veterinarian, NP, PA, or CRNA, you have access to a Physician Loan Program that looks nothing like a normal mortgage:

→ Up to $1 million in financing
→ 0% down payment options
→ NO PMI (saves you hundreds per month)
→ Student loan debt EXCLUDED from your DTI calculation
→ Closing as early as your start date — even before your first paycheck hits

Why it exists: lenders know that medical professionals have unusual financial profiles — six-figure student debt, late career start, but exceptional long-term earning potential. The Physician Loan reflects that reality.

Eligible degrees: MD, DO, DDS, DMD, DVM, plus advanced practice (NP, PA, CRNA) at most lenders.

If you're starting a new role in Austin, Round Rock, San Marcos, or anywhere in Central Texas — let's talk before you sign a lease.

mortgagelc.com/apply | 512-820-5714
Dustin Allan | NMLS #2044646 | Equal Housing Lender
Subject to credit approval. Eligibility requirements vary by lender. Not all programs available to all professionals.

📖 Translation Tuesday: Rate LockMortgage word of the week: Rate Lock.In plain English: a rate lock is a guarantee from y...
05/19/2026

📖 Translation Tuesday: Rate Lock

Mortgage word of the week: Rate Lock.

In plain English: a rate lock is a guarantee from your lender that your interest rate won't change between when you lock and when you close — even if rates go up in the meantime.

How it works:
→ Usually free for 30, 45, or 60 days
→ Locks in once you have an accepted offer (sometimes earlier)
→ If rates RISE after you lock, you keep the lower rate. Win.
→ If rates DROP after you lock, most lenders won't lower yours — but some have a one-time "float down" option

Why it matters in Central Texas right now: rates have moved 0.50–0.75% in single months over the last two years. The day you lock can change your monthly payment by $100–$200.

Translation: a rate lock is an insurance policy on your rate. We use them strategically — locking when the market dips, holding off when there's room to wait.

Curious about timing? That's a conversation, not a calculator. Send me a message.

Dustin Allan | 512-820-5714 | mortgagelc.com
NMLS #2044646 | Equal Housing Lender
Subject to credit approval. Rates vary by borrower.

🌟 A self-employed couple in Buda was told "no" by their first lender.Not because they couldn't afford it. Their bank sta...
05/15/2026

🌟 A self-employed couple in Buda was told "no" by their first lender.

Not because they couldn't afford it. Their bank statements showed $14K/month in deposits. They had savings, good credit, a 15% down payment ready.

The first lender didn't know how to underwrite self-employed income. So they passed.

Here's what happened next:
→ They came to us
→ Lender #1 in our network: no
→ Lender #4: no (different reason)
→ Lender #14: yes — bank statement loan, perfect fit
→ Closed in 27 days on a 4-bedroom in Buda

One "no" isn't a verdict. It's just one lender. With 50+ in our network, the right one is usually in there — we just have to find them.

If you've been declined, paused, or told "this isn't going to work" — let's talk. mortgagelc.com/apply or 512-820-5714.

Dustin Allan | NMLS #2044646 | Equal Housing Lender
Subject to credit approval. Programs vary by eligibility.

🎯 Most mortgage companies have one place they send your file. We have over fifty.Here's why that matters:Every lender ha...
05/13/2026

🎯 Most mortgage companies have one place they send your file. We have over fifty.

Here's why that matters:

Every lender has different appetites. One might love self-employed borrowers. Another might prefer first-time buyers with strong credit. A third specializes in jumbo loans. A fourth has the most aggressive FHA pricing this week.

When your file only goes to one place, you're stuck with whatever they say — yes or no, this rate or no rate.

When your file can go to 50+ lenders, three things happen:
→ Better odds of approval (someone in that network is built for your scenario)
→ Sharper rates (lenders compete for your business)
→ Faster turnaround (your file goes to whoever has bandwidth, not just whoever is "the usual")

This is the engine behind our 18-day average close time and 92% approval rate.

If your last lender experience was "no" or "we'll see," let's talk. There's a good chance the right lender for you is in our network — we just have to find them.

mortgagelc.com/apply | 512-820-5714
Dustin Allan | NMLS #2044646 | Equal Housing Lender
Average close time 18 days. Subject to credit approval.

📖 Translation Tuesday: Pre-Qualification vs. Pre-ApprovalMortgage word of the week: the difference between Pre-Qual and ...
05/12/2026

📖 Translation Tuesday: Pre-Qualification vs. Pre-Approval

Mortgage word of the week: the difference between Pre-Qual and Pre-Approval.

People use these words like they mean the same thing. They don't.

Pre-Qualification (Pre-Qual):
→ A quick estimate based on what YOU tell the lender
→ Usually no credit pull, no income verification
→ Takes 10 minutes
→ Useful for "rough idea" budgeting

Pre-Approval:
→ Verified — credit pulled, income reviewed, documentation submitted
→ A real commitment from the lender (subject to property approval)
→ Takes 1–2 business days with full docs
→ This is what wins bidding wars

Here's what matters: in Central Texas right now, sellers are filtering out offers that don't have a pre-approval letter. A pre-qual won't get you to the table on a competitive listing.

Translation: only one of these wins a bidding war. Make sure you're walking in with the right one.

Dustin Allan | 512-820-5714 | mortgagelc.com
NMLS #2044646 | Equal Housing Lender
Subject to credit approval.

Address

Kyle, TX
78640

Opening Hours

Monday 9am - 6pm
Tuesday 9am - 6pm
Wednesday 9am - 6pm
Thursday 9am - 6pm
Friday 9am - 6pm
Saturday 10am - 4pm

Telephone

+15128205714

Website

http://www.mortgageLC.com/apply, http://www.theallanhomegroup.com/, http://Www.mortgagelc.c

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