Mortgage Pros

Mortgage Pros Mortgage Pros is a mortgage provider, supported by Directions Equity LLC, and based in McAllen TX. Equal Housing Lender. NMLS Registry #214519.

We provide residential financing for the purchase or refinancing of residential real estate. National Mortgage Licensing System Registry #214519. Texas: For Texas Consumers Only:
CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A COMPANY REGARDING THE ORIGINATION AND/OR SERVICING OF YOUR MORTGAGE LOAN OR A COMPLAINT AGAINST A RESIDENTIAL MORTGAGE LOAN ORIGINATOR CONCERNING RESIDENTIAL MORTGAGE LOANS

ON REAL ESTATE LOCATED IN TEXAS SHOULD COMPLETE AND SEND A COMPLAINT FORM TO THE TEXAS DEPARTMENT OF SAVINGS AND MORTGAGE LENDING, 2601 NORTH LAMAR, SUITE 201, AUSTIN, TEXAS 78705. COMPLAINT FORMS AND INSTRUCTIONS MAY BE OBTAINED FROM THE DEPARTMENTS WEBSITE AT WWW.SML.TEXAS.GOV. A TOLL-FREE CONSUMER HOTLINE IS AVAILABLE AT 1-877-276-5550. THE DEPARTMENT MAINTAINS A RECOVERY FUND TO MAKE PAYMENTS OF CERTAIN ACTUAL OUT-OF-POCKET DAMAGES SUSTAINED BY BORROWERS CAUSED BY ACTS OF LICENSED RESIDENTIAL MORTGAGE LOAN ORIGINATORS. A WRITTEN APPLICATION FOR REIMBURSEMENT FROM THE RECOVERY FUND MUST BE FILED WITH AND INVESTIGATED BY THE DEPARTMENT PRIOR TO THE PAYMENT OF A CLAIM. FOR MORE INFORMATION ABOUT THE RECOVERY FUND, PLEASE CONSULT THE DEPARTMENTS WEBSITE AT WWW.SML.TEXAS.GOV

05/26/2026

Before you fall in love with a house online, do this first. 👀🏡

One of the biggest mistakes buyers make is starting their home search before getting pre-approved.

They start touring homes, scrolling Zillow for hours, and imagining themselves in a house… without actually knowing what they qualify for.

The problem?
That can lead to disappointment, wasted time, and looking at homes outside your real budget.

Getting pre-approved first helps you:
âś” Understand your price range
âś” Know what your monthly payment could look like
âś” Shop with confidence
âś” Be ready to act when you find the right home

The goal isn’t just finding a house.
It’s finding one that actually fits your finances and your future.

If you’re thinking about buying a home, start with the numbers first. 📩

Going through a divorce and wondering if buying a home is still possible?The answer might surprise you. 👀🏡A lot of peopl...
05/20/2026

Going through a divorce and wondering if buying a home is still possible?
The answer might surprise you. 👀🏡

A lot of people assume they have to wait until everything is finalized before talking to a lender, but every situation is different.

Your income, debts, child support, alimony, and timing can all play a role in what options may be available to you.

The most important thing is having a plan based on YOUR situation, not assumptions from the internet or advice from people who don’t know the lending process.

Planning ahead can make a huge difference and in many cases, the earlier you start the conversation, the better prepared you’ll be.

If you’re navigating a divorce and have questions about buying a home, send us a message. We’re here to help guide you through your options. 📩

05/15/2026

Firmar contrato NO significa que ya eres oficialmente dueño de la casa… todavía faltan varios pasos importantes antes de llegar al cierre. 👀🏡

Desde el procesamiento del préstamo, el avalúo, las condiciones finales, hasta recibir el famoso “clear to close”... este proceso puede sentirse confuso si no sabes qué esperar.

En este video, Alma Frayre te explica qué sucede después de que aceptan tu oferta y cómo funciona realmente el proceso hacia el cierre. 🔑

La meta no es solo encontrar una casa.
La meta es llegar al closing sin sorpresas.

Si tienes preguntas sobre comprar casa en Brownsville o quieres prepararte para tu proceso como comprador primerizo, mándanos un mensaje. 📩

Buying the home is only the beginning.Protecting it the right way matters too.A lot of homeowners focus only on the clos...
05/14/2026

Buying the home is only the beginning.
Protecting it the right way matters too.

A lot of homeowners focus only on the closing process… but there are a few smart steps after closing that can help protect your home, your finances, and your future long term.

From filing your homestead exemption to reviewing your insurance and building an emergency fund, these are simple things that can make a big difference later on.

Swipe through to see 5 smart things every homeowner should do after closing. 👆

Questions about homeownership or the mortgage process? Send us a message. We’re always happy to help.

05/11/2026

You can apply for a mortgage directly from your phone now.

No stacks of paperwork.
No confusing process.
No running around trying to figure everything out.

With the Mortgage Pros app, applying for a home loan is simple, secure, and fast.

You can:
âś” Complete your application in about 5 to 10 minutes
âś” Upload your documents directly from your phone
âś” Submit pay stubs, W2s, 1099s, bank statements, and ID securely
âś” Start your pre-approval process from anywhere

Once everything is submitted, our team reviews your file and guides you through the next steps.

The mortgage process doesn’t have to feel overwhelming anymore.
That’s exactly why we built a system designed to make homebuying easier.

If you’re thinking about buying a home, this is one of the easiest ways to get started.

Apply now through the Mortgage Pros app.
Link in bio.

The #1 thing that impacts how much house you can afford… is usually your debt ratio.And one of the biggest factors?Your...
05/08/2026

The #1 thing that impacts how much house you can afford… is usually your debt ratio.

And one of the biggest factors?
Your car payment. đźš—

A lot of buyers don’t realize that every monthly payment affects their buying power.

For example:

A $200/month car payment could lower your home budget by around $32,000.
A $500/month payment could impact it by nearly $80,000.

That difference could mean:
• Losing the extra bedroom
• Missing out on the better neighborhood
• Settling for less space than you originally wanted

It’s not just about what you earn.
It’s about what your monthly obligations look like when qualifying for a mortgage.

So before financing a new vehicle, it’s worth understanding how it could affect your future home goals.

Thinking about buying a home but not sure what your budget actually looks like?
Send us a message with the word “BUDGET” and we’ll help you break down the numbers.

05/06/2026

“I can’t buy a home right now.”
Honestly, most of the time… that’s not actually true.

A lot of buyers are held back by myths they’ve heard online, from friends, or from outdated advice. But once we look at the real numbers, many people realize homeownership may be more possible than they thought.

Here are 5 common homebuying myths we break down in this video:

✔ “You need 20% down to buy a house”
✔ “VA buyers don’t pay closing costs”
✔ “You need perfect credit”
✔ “Buying is more expensive than renting”
✔ “You need a lot of money saved”

The truth is, there are loan programs, down payment assistance options, seller concessions, and strategies that many buyers don’t even know exist.

The biggest mistake we see?
Waiting because of misinformation instead of getting real answers based on your situation.

If you’ve been wondering whether buying a home is possible for you, this reel is a good place to start.

Send us a message with the word HOME and we’ll help you understand what options may be available for you.

05/02/2026

Waiting for the perfect interest rate could actually cost you more than you think.

Many buyers are sitting on the sidelines waiting for rates to drop.
But while you're waiting, home prices can keep rising, and that can make the same home more expensive later.

Here’s something important to remember:

You can refinance a rate,
but you can’t go back and buy a home at yesterday’s price.

The real question isn’t just:
“What’s the interest rate?”

It’s:
âś” Does the monthly payment make sense for you right now?
âś” Are there seller concessions available to help reduce your costs?
✔ How does today’s deal compare to waiting later?

In many cases, especially in a buyer’s market, there may be opportunities to negotiate closing costs or buy down your rate.

If you’re thinking about buying but feel stuck waiting for rates to drop, it may be worth running the numbers before making a decision.

Want to see what your numbers could look like?
Send us a message with the word RATE and we can help you explore your options.

If you inherit a home, you may NOT have to pay off the mortgage right away.Many people assume that inheriting a property...
04/27/2026

If you inherit a home, you may NOT have to pay off the mortgage right away.

Many people assume that inheriting a property means the loan must be paid in full immediately. In reality, there is a federal law that protects heirs in many situations.

It’s called the Garn-St. Germain Act, and it allows heirs to take over the existing loan without triggering a payoff in many cases.

Here’s what that can mean for you if you inherit a home:
• You may be able to keep the current mortgage
• You may be able to keep the existing interest rate
• You may be able to continue making the payments
• In many cases, no refinance or immediate payoff is required

This is especially important today, since many homeowners locked in low interest rates years ago. Those loans don’t simply disappear when ownership transfers.

If you or someone you know is inheriting a property, take time to understand your options before making any decisions.
Not sure what happens to the mortgage on an inherited home?

Send us a message and we can help you understand what steps to take next.

HeirsAndProperty MortgageHelp RGVRealEstate HomeownerEducation

04/25/2026

¿Ya te pre-aprobaron… y ahora qué sigue?

Muchas personas creen que la pre-aprobación es el final del proceso, pero en realidad es donde empieza una de las partes más importantes: entender cómo se verá tu pago mensual real.

Después de la pre-aprobación, revisamos:

• Tus opciones de préstamo, como FHA o convencional
• Tu tasa de interés y cómo impacta tu pago
• Tus costos de cierre estimados
• Tu pago mensual completo, que incluye impuestos, seguro y otros costos

Y algo muy importante que muchos no saben:
Cuando encuentras casa y haces una oferta, los nĂşmeros cambian.
El precio, los impuestos y otros factores pueden ajustar tu pago final.

Por eso este paso es clave.
AquĂ­ es donde dejamos de ver nĂşmeros sueltos y empezamos a crear un plan real para comprar tu casa.

Si quieres aprender qué préstamo te conviene y cuánto podrías pagar realmente cada mes,
mándame un mensaje y con gusto te invito a mi seminario para compradores primerizos en Brownsville.

Address

5801 N. 10th Street, Suite 300
McAllen, TX
78504

Opening Hours

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

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