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.

06/03/2026

🔥 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

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...
06/02/2026

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.

Imagine creating a home that perfectly fits your life! 🏡 Owning a home means you have the freedom to design your dream k...
06/02/2026

Imagine creating a home that perfectly fits your life! 🏡 Owning a home means you have the freedom to design your dream kitchen, a relaxing living space, or that ideal home office.

Thinking about making your first home purchase a reality? A smart mortgage plan can help you achieve that goal sooner than you might expect.

Let's chat about your homeownership aspirations and explore how we can help you get there. Send us a message today!

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

🚀 Patty Porto is celebrating a major achievement!Closing loans in an impressive 65 days ⏱️ showcases Patty's dedication ...
06/02/2026

🚀 Patty Porto is celebrating a major achievement!

Closing loans in an impressive 65 days ⏱️ showcases Patty's dedication and Loan Factory's commitment to excellence. We're thrilled to see dreams becoming reality faster than ever! 🔑🏠

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

💰 Need help with your down payment? I’ve got you.This FHA program offers a 5% Repayable Second that can be used for:✔ Do...
05/31/2026

💰 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

Good deals don’t die from lack of profit. They die from lack of capital.This program exists for investors who can: – Fin...
05/30/2026

Good deals don’t die from lack of profit.
They die from lack of capital.
This program exists for investors who can: – Find deals – Analyze ARV – Execute rehabs
If capital is the only thing holding you back, comment FUNDING.

Before anyone asks:This is NOT free money. This is NOT a course. This is NOT for bad deals.100% financing works only whe...
05/30/2026

Before anyone asks:
This is NOT free money. This is NOT a course. This is NOT for bad deals.
100% financing works only when: ✔ The numbers make sense ✔ ARV supports the loan ✔ You can execute the flip
If that sounds like you, comment DEAL.

Real talk about 100% fix & flip funding:✔ Earnest money is still your responsibility ✔ There is a one-time enrollment co...
05/30/2026

Real talk about 100% fix & flip funding:
✔ Earnest money is still your responsibility ✔ There is a one-time enrollment cost ✔ This only works for solid deals
And that’s exactly why it works.
If you want details, comment FLIP.

If you have a fix & flip deal but no cash, read this carefully.I’m working with a lender offering 100% fix & flip fundin...
05/30/2026

If you have a fix & flip deal but no cash, read this carefully.
I’m working with a lender offering 100% fix & flip funding when the deal makes sense (≤70–74% ARV).
This is not for beginners.
This is for investors with real deals and real margins.
If you want to see if your deal qualifies, comment FLIP.

P&L-Only Loan Program 🚀Self-employed or investor? This could be a strong option.• $150K – $3M loan amounts • 660+ FICO •...
05/29/2026

P&L-Only Loan Program 🚀
Self-employed or investor? This could be a strong option.
• $150K – $3M loan amounts
• 660+ FICO
• 30 & 15-year fixed (interest-only available on 30-yr)
• Up to 80% LTV purchase / rate-term
• Up to 75% cash-out
• Primary, second home, or investment
• SFR, condos (incl. non-warrantable), PUD, 2–4 units
• Rural properties allowed (up to 5 acres)
Income is based on P&L only.
Want to see if this fits your situation? Comment “P&L” or apply here: 👉 https://www.loanfactory.com/pattyportocarrero
📞 346-501-1856

Address

Houston, TX

Opening Hours

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

Website

https://www.loanfactory.com/pattyportocarrero

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