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
Mortgage Rates Eased This Week and Here Is How to Think About Locking Before the Fed Meeting
Your Mortgage Minute for the Week of October 23, 2026
Mortgage rates eased a bit this week giving buyers some welcome breathing room after a period of upward pressure. Michele Green wants buyers who are under contract to think carefully about what to do with that improvement before next week’s Fed meeting.
Why the Fed Meeting Creates a Decision Point
The Federal Reserve meets next week and that timing raises a question worth thinking through. Should you lock in the rate improvement you are seeing today or wait to see what the Fed announces?
There is no guaranteed answer and Michele is direct about that. Mortgage rates respond to the bond market and to expectations about economic conditions rather than to Fed decisions on a one-to-one basis. Rates can move before the Fed even makes its announcement because markets price in expected outcomes in advance. A Fed decision also does not automatically push mortgage rates in the same direction as the federal funds rate. The relationship is real but it is not mechanical.
What Buyers Under Contract Should Be Reviewing Right Now
If you are currently under contract this week’s rate improvement is a good moment to review your specific numbers with three questions in mind.
What does today’s payment look like at the current rate? When is your closing date and how much time do you have before a lock decision becomes urgent? And how much room do you have in your budget if rates move higher before you close rather than lower?
That last question is the most important one. A buyer whose budget can absorb a rate move higher without significant impact has more flexibility to wait. A buyer who is already at the edge of comfortable has less reason to gamble on further improvement.
The Float-Down Option Worth Asking About
Before locking ask your lender whether a float-down option is available. A float-down allows you to lock in a rate today while retaining the ability to capture a lower rate if rates improve before closing. The requirements and costs associated with float-down options vary by lender and not every lender offers them on every loan type. It is worth the conversation specifically because of the uncertainty surrounding next week’s Fed meeting.
The Framework That Actually Helps
Michele’s advice is to make the lock decision around your payment, your closing timeline, and your personal comfort level with uncertainty rather than trying to time the rate market perfectly. Nobody knows exactly which direction rates will move next week or what the Fed announcement will produce in the bond market.
You do not have to guess the perfect day to lock. You just need a plan that works for your specific situation. Reach out to Michele Green to review your numbers and make that decision with clarity rather than guessing.
Sources
FederalReserve.gov
MortgageNewsDaily.com
ConsumerFinancialProtectionBureau.gov
FannieMae.com
Investopedia.com
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