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Playbooks I share with every client.

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The Texas First-Time Buyer Guide

The full first-time buyer sequence — from credit prep to closing day — written for the Texas market.

For First-time buyers
  • Getting your credit right
  • How much house you can actually afford
  • Pre-approval that beats other offers
  • Writing the offer
  • Inspection and appraisal
  • Closing day

The Texas Mortgage Checklist

A one-page document and step checklist so nothing gets missed between application and closing.

For Every borrower
  • Documents to gather
  • Do's and don'ts during underwriting
  • What to expect week by week

The 60-Day Home Buying Timeline

A calendar view of what happens — and when — from the day you apply to the day you get keys.

For Buyers under contract or preparing to shop
  • Day 0–7: Application
  • Day 7–21: Contract
  • Day 21–35: Underwriting
  • Day 35–45: Clear-to-close

The Self-Employed Borrower Guide

How to qualify with 1099, business, or bank statement income — with the strategy that gets you approved.

For 1099 contractors, business owners, real estate agents
  • Tax returns vs bank statement programs
  • Structuring your file 12 months out
  • Common self-employed pitfalls

The Texas Investor's Financing Playbook

DSCR, portfolio, and conventional investor financing — how to scale a Texas rental portfolio.

For Real estate investors
  • DSCR fundamentals
  • Portfolio structuring
  • Cash-out for the next acquisition
  • STR and Airbnb underwriting

The Texas Closing Cost Guide

Every line of a Texas Closing Disclosure explained in plain English — and where to negotiate.

For Every borrower approaching close
  • Lender fees
  • Title and escrow
  • Prepaids and reserves
  • Seller credits and how to structure them
Prefer to just talk? Call Mike at 832-392-4917.
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