Your Local Mortgage
Lender
Located in Friendswood, Texas
Personalized Mortgage Solutions. Local Expertise. Exceptional Service.
Choosing a mortgage is about more than finding a competitive interest rate—it's about finding the financing strategy that's right for your goals. As an independent mortgage advisor with Mylo Mortgage, I have access to a wide range of loan products through multiple lenders. That allows me to compare options and recommend the solution that best fits your financial situation.
Whether you're a first-time homebuyer, purchasing your next home, investing in real estate, or refinancing, you'll receive personalized guidance, proactive communication, and a mortgage process designed to be as smooth and stress-free as possible.
From your initial pre-approval through closing—and long after you've settled into your home—I'm committed to being a trusted resource you can rely on.
Ready to take the next step? I'd love the opportunity to help you achieve your homeownership goals.
The Home Loan Process
Mortgage Pre-Approval
Get pre-approved from one of our Loan Officers to see how much you can afford.
House Shopping
Work with a trusted Real Estate Agent to find a home you would like to move into.
Loan Application
Complete your home loan application to get the lending process started.
Don't take my word for it
Mortgage Programs
Experience the best mortgage experience located in Friendswood, Texas.
Home Loan Options
Our experienced mortgage advisors will walk you through the best mortgage loan program that will fit your specific scenario.
Conventional Home Loans.
FHA Home Loans.
Jumbo Loans
VA Home Loans.
Frequently Asked Questions
How often can I refinance my mortgage?
There is no limit to the number of times you can refinance. However, you must qualify every time you apply and there will be costs associated with closing the loan each time.
Can I buy a home if I do not have money for a down payment?
Yes! There are a number of bond programs that offer low or no down payment financing options.
How do I know which mortgage is right for me?
The key to choosing the right mortgage is to understand the range of options and features available to you, as well as your budget, circumstances, and goals. Our licensed mortgage professionals are here to help you navigate that process. The more you know, the more comfortable and confident you will be choosing the best option for you and your family.
How long will the loan process take?
The Truth in Lending Act (TILA) does not permit a lender to close a loan until at least seven (7) business days have passed from the date your application was received. A typical home loan takes 30 days, as a number of third-party services such as appraisals, title work, and credit are required in conjunction with the mortgage process. Once you familiarize your Loan Officer with the details of your specific loan scenario, they will be able to provide you with a more specific timeline.
Will I qualify for a home loan?
The only way to find out is to speak with a qualified mortgage professional. Our Loan Officers have helped numerous clients who didn’t know if they could qualify to become home owners. We take the time to understand your financial situation and long-term financial goals, and then match you with the loan program that best fits your needs. Your approval for a loan may also largely depend on the price of the home you are financing. Getting pre-qualified prior to beginning your home search can give you an idea of what you may be able to afford.
Why do people refinance their mortgages?
Homeowners typically refinance to save money, either by obtaining a lower interest rate or by reducing the term of their loan. Refinancing is also a way to convert an adjustable loan to a fixed loan or to consolidate debts.
How much money will I have to pay upfront to buy a home?
This question does not have a simple, one-size-fits-all answer. The exact amount will depend on the price of the home you buy as well the type of mortgage financing you choose. Depending on your loan program, your down payment could be as much as 20% of the home’s price or as little as 3%, while some loans require no down payment at all.
Can I get a mortgage after bankruptcy?
You may still qualify for a home loan even if you have experienced a bankruptcy. The best way to find out if you qualify is to talk with a Loan Officer to discuss your options. Be sure to bring all paperwork regarding your bankruptcy so your Loan Officer can find the program that best fits your situation.
Should I lock my interest rate now, or wait until we are closer to our closing?
Interest rates fluctuate all day, every day. If an interest rate is good, it may be in your best interest to lock now. If you wait, you run the risk of an increase in rates later. If you are concerned that rates may go down after you lock, contact your Loan Officer to discuss your options. Some programs allow you to lock for an extended period and choose to lower your rate should a better one become available.
Most Recent Blog Updates
Inflation Is Cooling and Buyers Have More Negotiating Power Than They Realize and Here Is the Update
The Encouraging Economic News That Matters for Real Estate Right Now
Both consumer and wholesale inflation showed signs of cooling this week and for anyone watching the mortgage rate environment that is genuinely encouraging news worth understanding in context.
Why Cooling Inflation Matters for Mortgage Rates
Inflation is one of the primary forces that drives bond yields higher and since mortgage rates follow bond yields closely a sustained cooling in inflation can help create a more favorable environment for rates over time. As Michele Green explains that connection is real but it is not the only factor in play.
Mortgage rates are also influenced by employment data, Federal Reserve expectations, and a range of other economic developments that can move in any direction at any moment. One encouraging inflation reading does not guarantee a rate improvement and buyers who are waiting for a perfect rate environment based on a single data point may be waiting longer than necessary.
What this week's data does is add to the picture of an economy that may be moving in a direction that supports a better rate environment over the coming months. That context matters for how buyers and agents think about timing.
What the Current Market Is Actually Offering Buyers
While the rate story develops there is a separate opportunity in the current market that buyers stepping away have been missing entirely.
More homes are available in many markets than have been on the market in years. Some sellers are reducing prices on homes that have been sitting longer than expected. Buyers who are active right now are successfully negotiating closing cost assistance from motivated sellers. Temporary rate buydowns funded by seller concessions are bringing monthly payments down at a cost to the buyer of zero out of pocket.
These tools exist right now in a way they simply did not in the market of two or three years ago. Buyers who are waiting for a lower rate before re-engaging with the market are missing seller concessions that could produce a better financial outcome than a slightly lower rate in a more competitive environment.
The Takeaway Worth Acting On
The goal is not to find the perfect rate or to time the market. The goal is to understand the opportunities available right now and evaluate whether they work for a specific buyer's situation.
If you have buyers who stepped away from the market this is a meaningful moment to reconnect. Update their numbers with current rates and current market conditions. Show them what seller concessions look like in your specific market. Help them see that the payment they were quoted six months ago at a higher rate without any seller contributions may compare favorably to what is achievable today with closing cost help or a buydown factored in.
Michele Green works with buyers to run those numbers clearly and without pressure so they can make informed decisions about what makes sense for their specific situation right now. Find a home on Zillow or Realtor.com that catches your eye and send it to Michele. She will show you exactly what the payment and the opportunity look like.
Sources
FederalReserve.gov
MortgageNewsDaily.com
BureauOfLaborStatistics.gov
NAR.realtor
BankRate.com
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