Full-Service Residential Mortgage — Plus Rural Expertise
FSCAP can help Texas homebuyers explore residential mortgage options through lender partners, including conventional, FHA, VA, and USDA programs, subject to lender guidelines.
As an independent mortgage broker, FSCAP can help you compare options from multiple lender partners. Available programs, costs, terms, and underwriting decisions are determined by the lender.
If your home is on acreage, in a rural area, or has unique characteristics, FSCAP can help you discuss that property with lender partners. Eligibility depends on lender guidelines, appraisal, property characteristics, and borrower qualifications.
Residential Loan Programs
Conventional Loans
Conventional mortgage options may be available through lender partners. Down payment, mortgage insurance, and credit requirements vary by lender and program.
FHA Loans
FHA-insured mortgage options may be available through lender partners. Eligibility, down payment, credit, mortgage insurance, and debt-to-income requirements are determined by the lender and program.
VA Loans
For eligible veterans, service members, and surviving spouses. FSCAP can arrange VA loan options through VA-approved lenders. Eligibility, entitlement, and terms are determined by the VA and lender.
USDA Rural Development
USDA mortgage options may be available for eligible rural properties through lender partners. Income, property, and other eligibility requirements apply.
Residential Mortgage FAQ
Do you offer conventional residential mortgages?
FSCAP can help borrowers explore conventional, FHA, VA, and USDA mortgage options through lender partners. Available programs, terms, and eligibility are determined by the lender and may vary by borrower and property.
What is the minimum down payment for a residential mortgage?
Down payment requirements vary by lender, loan program, property type, occupancy, and borrower qualifications. We can help you review the options available for your situation.
Do you offer VA loans?
Yes. As a mortgage broker, we can arrange VA purchase loans, VA Interest Rate Reduction Refinance Loans (IRRRL), and VA cash-out refinances through VA-approved lenders. Eligibility, entitlement, and terms are determined by the VA and the lender. FSCAP is not a government agency and is not affiliated with or endorsed by the U.S. Department of Veterans Affairs.
What credit score do I need for a home loan?
Credit requirements vary by lender and loan program. We can help you understand the factors lenders typically review, including credit history, income, assets, and the property.
Can you help with first-time homebuyer programs?
We can help you ask lender partners about available first-time homebuyer programs. Program availability and eligibility vary and are determined by the program administrator or lender.
Do you offer refinance loans?
FSCAP can help you explore refinance options through lender partners. Whether refinancing is appropriate depends on your current loan, financial situation, property, and available lender programs.
How long does closing take?
Closing timing varies by lender, property, appraisal, title work, and borrower documentation. FSCAP can help coordinate the process, but we do not control underwriting decisions or closing timelines.
Do you charge origination fees?
Lender fees and closing costs vary by program and transaction. When you apply with a lender, required disclosures are provided in accordance with applicable law. FSCAP can help you understand the information you receive.
Can I get pre-approved before I find a house?
You may ask a lender about prequalification or preapproval options before finding a home. Any decision is made by the lender and depends on its review of your application and supporting documentation.
Why choose FSCAP for a standard residential mortgage?
As an independent mortgage broker, FSCAP can help you compare options from lender partners. Loan availability, terms, and underwriting decisions are determined by the lender.
Educational information only. This page is not a loan offer, rate quote, approval, or commitment to lend. Loan programs, eligibility, rates, and terms vary by borrower, property, and lender and are subject to change. FSCAP is not a government agency and is not affiliated with or endorsed by FHA, HUD, the VA, or USDA.
Equal Housing OpportunityNMLS #217672 | First Source Capital Mortgage, Inc.