Texan Direct Lending LLC - Nmls#2424328

Texan Direct Lending LLC - Nmls#2424328 Texas Home Loans Buying or refinancing your home is one of the largest financial transactions you'll make in your life.

Whether you're just searching for information or you're ready to move forward with your new home purchase or refinance, you've come to the right place. You need someone you can trust to guide you through the process. I'll work hard to make sure you get the best financing possible and make sure you have a great experience along the way! Seth Saldivar
www.texandirectlending.com
seth@texandirectlendi

ng.com
NMLS #346416
Texan Direct Lending, LLC
NMLS #2424328

CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A COMPANY OR A RESIDENTIAL MORTGAGE LOAN ORIGINATOR 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 DEPARTMENT’S 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 RESIDENTIALMORTGAGE 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 DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV.

06/21/2026

Underwriting isn't where deals fall apart. It's where buyers get surprised.

The requests for documents, income verification, and account reviews are all part of the process. When you know what to expect, it feels routine. When you don't, it feels stressful.

Preparation creates confidence, and confidence helps keep your deal moving forward.

Have questions about underwriting? Send me a message and I'll walk you through it step by step.

06/17/2026

Most people go straight to their bank because that's all they know.

But when you compare a bank and a broker side by side, the difference is hard to ignore.

More lenders. More options. More competition. More solutions when things aren't straightforward.

Watch the full matchup and decide for yourself.

Share this with someone who's getting a mortgage and follow for more mortgage insights.

06/16/2026

Conventional vs FHA: which loan actually saves you money? 🏡

Most first-time buyers focus on the lower down payment and stop there.

But the best loan isn't always the one that gets you into the house, it's the one that costs you less over time.

Your credit score, monthly payment, and mortgage insurance all matter.

Before you choose, run the numbers both ways.

📩 Share this with a first-time homebuyer.
📲 Follow for more mortgage tips and loan comparisons.

06/15/2026

Most people think down payment assistance is too good to be true… until they realize some programs are literally giving away free money 💰

We ranked the best and worst down payment assistance programs in Texas from S-tier to straight up scams 👀

Some can cover up to 5% of your loan amount. Others just hide the cost somewhere else.

If you’re buying in Texas, watch this before talking to a lender.

Share this with someone house hunting in Texas 🏡

06/14/2026

Waiting for lower rates could cost you more than you think 👀

Lower rates = more buyers.
More buyers = higher home prices.

You can refinance a rate later.
You can’t refinance the price you paid.

Buy the house. Date the rate. Marry the price. 🔥

06/12/2026

"Bank of America denied me." 🏦❌

A 640 credit score isn't too low. It's too low for them. Every lender has different rules, BofA wants 660, but I work with lenders who go down to 580.

5 years at your job ✅ 5% saved ✅ no late payments ✅, you qualify. Just not there.

The bank can't tell you that. They only know their own rules and can't refer you to a competitor.

That's the difference between 1 lender and 50. When one says no, we try another.

👉 Share this with anyone who's been told "no" by their bank. Follow for real mortgage advice.

06/11/2026

15-year or 30-year mortgage? the answer might surprise you.

let’s break down a $400,000 loan.

30-year at 6.5% → about $2,528/month
15-year at 5.8% → about $3,338/month

on monthly cash flow, the 30-year wins. lower payment, more flexibility.

but total interest tells a different story:
30-year → about $510K in interest
15-year → about $201K

that’s a $309K difference. 15-year wins big.

it also builds equity faster.

but here’s the twist…
a 30-year gives you flexibility. and you can always pay it like a 15-year when possible.

final takeaway: 30-year mortgage + extra payments = smartest strategy for most people.

follow for more mortgage breakdowns.

06/09/2026

"Wait, I thought I was already approved?" 👀

Pre-qualification and pre-approval are NOT the same thing, and in a competitive market, that difference can cost you your dream house.

Pre-qualification is a guess based on what you told them. Pre-approval is proof based on verified documents. Ask yourself: if you were the seller with two offers at the same price, which one would YOU take? 🏡

Get real pre-approval before you make an offer. Verified income, verified assets, credit pulled, underwriter reviewed, about 24 hours if your documents are ready.

Follow for more mortgage truths your bank won't tell you, and share this with someone house shopping right now. 🔑

06/08/2026

Some lenders promise everything and deliver nothing. "No problem." "Guaranteed approval." "Fastest closing." All before reviewing your file. Real lenders don't guess, they verify. Ex*****on isn't about sounding confident. It's about delivering results.

06/07/2026

The appraisal came in $20K low… and we still saved the deal. Most lenders would've given one option: accept it or lose the house. We had several. We restructured the loan, adjusted the strategy, found another path. Options make problems solvable.

Address

Webster, TX
77575

Opening Hours

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

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