Patty Porto RMLO 275265

Patty Porto RMLO 275265 Houston‑based Residential Mortgage Loan Officer | NMLS #275265. Two decades of getting deals done—FHA, DSCR, HELOCs, investor flips, new‑build financing.

Straight talk, smart structuring, on‑time closings. Let’s fund your next move.

💰 Need help with your down payment? I’ve got you.This FHA program offers a 5% Repayable Second that can be used for:✔ Do...
06/24/2026

💰 Need help with your down payment? I’ve got you.
This FHA program offers a 5% Repayable Second that can be used for:
✔ Down payment
✔ Closing costs
✔ Both
Program Highlights:
• 640+ FICO
• Manual underwriting allowed
• No income limits
• Available with FHA financing
If saving the upfront cash is what’s holding you back, this is the solution.
Stop waiting. Let’s structure it right and get you into a home.
📲 Apply here: https://www.loanfactory.com/pattyportocarrero
Patty Porto NMLS #275265

Found your dream home? 🏡 Don't let a missing pre-approval hold you back! Having these documents ready can make your offe...
06/24/2026

Found your dream home? 🏡 Don't let a missing pre-approval hold you back! Having these documents ready can make your offer stronger in a competitive market and speed up your mortgage process:

✅ ID & Credit (Driver's license/SSN)
✅ Assets (Bank statements for down payment/closing costs/reserves or gift funds)
✅ Income (Pay stubs, W-2s, tax returns if self-employed)

Save this checklist for when you're ready to make your move! Follow for more homebuyer tips and click the link in bio to get started with Loan Factory.

Patty Porto | NMLS #275265
Loan Factory | NMLS #320841

Dreaming of a new home? 🏡 Knowing your budget upfront makes the search so much smoother! Our free mortgage calculator he...
06/24/2026

Dreaming of a new home? 🏡 Knowing your budget upfront makes the search so much smoother! Our free mortgage calculator helps you estimate monthly payments and explore different scenarios, so you can shop with confidence.

Try it today and find out what fits your budget perfectly.

Patty Porto | NMLS #275265
Loan Factory | NMLS #320841

I’m only onboarding a limited number of fix & flip investors at a time so deals can be properly reviewed.If you have a d...
06/22/2026

I’m only onboarding a limited number of fix & flip investors at a time so deals can be properly reviewed.
If you have a deal under contract or pending, comment READY.

06/21/2026

🔥 DSCR LOANS FOR REAL ESTATE INVESTORS 🔥
Still getting denied because of income or employment? You’re playing the wrong game.
With DSCR loans, we qualify the property—not you.
✅ No income verification ✅ No employment required ✅ FICO starting at 620 ✅ Up to 85% LTV ✅ DSCR as low as 0 (yes, even tight deals can work) ✅ Fast, streamlined process
If the deal makes sense, we can get it done.
This is how investors are scaling right now without tax returns slowing them down.
📲 Comment DSCR or DM me to get your deal reviewed 🔗 Apply here: https://www.loanfactory.com/pattyportocarrero/ 📞 346-501-1856

🚫 NO CREDIT REPAIR GIMMICKS. NO FAKE PROMISES.We’re not here to “wipe your credit clean.” That’s not how this works — an...
06/18/2026

🚫 NO CREDIT REPAIR GIMMICKS. NO FAKE PROMISES.
We’re not here to “wipe your credit clean.” That’s not how this works — and anyone telling you that is lying.
What we DO:
✔ Build a real strategy based on YOUR credit
✔ Focus on what actually moves your score
✔ Get your profile to a fundable status
This is about results — not hype.
🎯 Goal: Get you positioned to actually get approved
If you’re tired of wasting time and money on nonsense, this is it.
💬 Comment “READY” or DM me

Ready to take on your next fix-and-flip project? 🏡 Smart financing can be the key to seizing opportunities quickly. We o...
06/18/2026

Ready to take on your next fix-and-flip project? 🏡 Smart financing can be the key to seizing opportunities quickly. We offer specialized solutions to support your acquisition and renovation needs, helping you build a strong investment strategy.

Let's chat about how we can fund your next move. Reach out to discuss financing options tailored to your investment goals!

Financing programs are subject to qualification, underwriting approval, and property eligibility requirements.



Patty Porto | NMLS #275265
Loan Factory | NMLS #320841

Finding the perfect home loan can feel complex, but it doesn't have to be! From FHA and VA to Conventional and USDA loan...
06/18/2026

Finding the perfect home loan can feel complex, but it doesn't have to be! From FHA and VA to Conventional and USDA loans, each program has unique benefits that might be ideal for your specific financial picture and homeownership goals.

Let's explore your personalized options and see what makes sense for you. Reach out today for a clear comparison!

Patty Porto | NMLS #275265
Loan Factory | NMLS #320841

Address

Houston, TX

Opening Hours

Monday 11am - 3pm
Wednesday 9am - 5pm
Friday 11am - 5pm

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