CALIFORNIA & TEXAS HOME FINANCING
More Options.
Clear Answers.
A Broker Who Stays Involved.
Work directly with Douglas Sorto to compare home-financing options and understand the numbers behind your next move in California or Texas.
Founder & Mortgage Broker · NMLS# 851849
Direct access to your broker. A clear explanation of your options.
Read Client ExperiencesSTART WITH YOUR PLANS
A Mortgage Should Make Sense To You.
What can I comfortably afford? How much should I put down? Which loan fits?
We’ll help you work through the questions behind the numbers. Start with a little exploring or bring your plans straight to Douglas.
Explore Your PaymentROOM FOR DIFFERENT PLANS
Find Your Way Home.
Conventional
A familiar path with room to choose.
Explore Conventional 02FHA
Another way to get started.
Explore FHA 03VA
Put your earned benefit to work.
Explore VA 04Government-BackedUSDA
A home beyond the city. A path worth exploring.
Explore USDA 05Non-QMBank Statement
A different way to document self-employed income.
Explore Bank Statement 06Non-QM · Investment PropertyDSCR
Financing built around your rental property.
Explore DSCR 07Jumbo
Room for a larger home loan.
Explore Jumbo 08For HomeownersHome Equity
Put the equity you’ve built into your next plan.
Explore Home EquityONE STEP AT A TIME
From A First Question
To Your Front Door.
You don’t have to have everything figured out to begin.
Start Your Application- 01
Tell Us What’s Next
A first home, a move or a mortgage you want to review. Start with the goal.
- 02
Put The Numbers In Context
Review payments, upfront costs and the tradeoffs between loan options.
- 03
Take Your Next Step
Apply when you’re ready. We’ll explain what information and documents are needed.
BUYING SOMETHING NEW
A New Home.
A Plan That Fits.
Buying a new build in California or Texas? Let’s talk about your budget, construction timeline and financing options before closing day.
Explore New-Home Financing“From start to finish he kept us in the loop every step of the way…”
“Doug was very informative, responsive…”
A FEW GOOD QUESTIONS
Let’s Clear Things Up.
For questions about your own plans, get in touch.
Talk With DouglasWhere should I start?
Start with your plans and a comfortable monthly budget. Explore the payment calculator or call Douglas. When you’re ready to share application details, use Start Your Application.
Do I need to choose a loan program first?
No. You can explore the differences here and ask Douglas to help you compare. A program choice depends on your finances, property and eligibility.
Is the calculator a loan approval?
No. It estimates a payment from the numbers you enter. Approval, pricing and any lender requirements need a review of your application.
Where do you offer home financing?
We work with buyers and homeowners in California and Texas. Whether you’re purchasing, refinancing or buying a new build, tell Douglas where the property is and what you have in mind.
How do I send documents?
Use the document instructions provided through your application. Please keep Social Security numbers, account numbers and financial documents out of ordinary email.
WHEN YOU’RE READY
Let’s Talk About Your Next Move.
A new home or a fresh plan for the one you love.