20+ Years · Licensed in Texas & Nationwide
More Than a Mortgage. A Mortgage Solution.
Most lenders quote you a rate. I solve the problem standing between you and your home. Self-employed, buying before selling, or told “no” somewhere else — there’s almost always a path. Let’s find yours.
- Get a real answer in 24 hours not a runaround
- Qualify with income other lenders won’t count bank statement, 1099, P&L, DSCR
- Know exactly what you’re signing every number explained before you commit
- Google Reviews
- NMLS #633039
- Backed by Primis Bank, Member FDIC
- Equal Housing Lender
- 20+ Years
Getting a Mortgage Shouldn’t Feel Like Being Judged.
You’ve done the work. You built the business, served the country, saved the down payment, found the house. Then a lender runs your file through a box, and if you don’t fit the box, you get a one-word answer: no.
No explanation. No alternative. No idea what to fix.
Meanwhile you’re watching rates move, your dream home go pending, and your lease renewal date get closer. Everyone’s got an opinion, nobody’s got a plan, and the “lowest rate” ad that got you in the door turned out to have three asterisks attached to it.
That’s not a you problem. That’s a wrong-lender problem.
I’m Jason Herbert. For over 20 years I’ve been the person people call after someone else said no — and the person smart buyers call first so they never hear it. I don’t sell rates. I diagnose situations and build financing strategies around them. Bank statement loans for business owners. Non-contingent offers for move-up buyers. First-lien HELOCs for homeowners who want flexibility. DSCR for investors scaling a portfolio.
You get one advisor, start to finish, who explains every step in plain English — and stays your mortgage advisor for life, not just for one closing.
20+
years structuring mortgages for buyers other lenders turned away
What This Actually Means For You
You Came for a Loan. You Leave With a Plan.
You Get Approved When You Thought You Couldn’t
Self-employed with write-offs? Commission income? Just started a new business? I use programs built for how you actually earn — bank statement, 1099, P&L, asset-based, no-ratio. Tax returns aren’t the only story, and I know how to tell the rest of it.
You Finally Understand What You’re Doing
No jargon, no “trust me.” You’ll know what your payment is, what it’s made of, what it costs to buy the rate down, and why one option beats another. Confident decisions come from clear information — that’s the whole job.
You Compete and Win in a Tough Market
Strong preapprovals sellers take seriously. Non-contingent offers through Buy Before You Sell. Fast closings that hold your contract together. Fewer surprises means fewer deals falling apart at the finish line.
Takes about 12 minutes. No credit impact to get started.
Real Clients. Real Closings.
Don’t Take My Word For It.
5.0
Google Rating
20+
Years of Experience
Thousands
of Families Served
-
“Jason made the mortgage process incredibly easy and was always available to answer our questions.”
Homebuyer Austin, TX -
“We thought we could not qualify because we were self-employed. Jason found a solution and got us into our dream home.”
Self-Employed Buyer Business Owner -
“The best mortgage experience we have ever had.”
Move-Up Buyer Georgetown, TX
Live reviews from Google
Testimonials reflect individual experiences. Results vary and are not a guarantee of future outcomes.
One Advisor. Every Program.
Whatever Your Situation, There’s a Program For It.
Conventional Loans
Flexible down payments and strong terms for well-qualified buyers.
Learn moreFHA Loans
Lower down payment and more forgiving credit requirements.
Learn moreVA Loans
Zero down and no monthly MI — let’s use every benefit you earned.
Learn moreJumbo Loans
Luxury financing with 5%-down and no-MI options available.
Learn moreFirst-Time Homebuyer
Education, budgeting, and offer strategy from preapproval to keys.
Learn moreDown Payment Assistance
Programs that shrink the cash you need to close.
Learn moreSelf-Employed Programs
Bank statement, 1099, P&L, and no-ratio loans for business owners.
Learn moreInvestor & DSCR
Qualify on rental income and scale your portfolio.
Learn moreConstruction Loans
Financing for custom builds and new construction.
Learn moreATM Mortgage
A first-lien HELOC — your equity, accessible on demand.
Learn moreBuy Before You Sell
Make a non-contingent offer without selling first.
Learn moreRefinance
Rate-and-term, cash-out, and no-lender-fee options.
Learn moreSix Months From Now, One of These Is True.
If Nothing Changes
- You’re still refreshing rate websites, no closer to an answer
- Another lender told you no and didn’t tell you why
- The house you loved sold to a non-contingent offer
- You closed on something you didn’t fully understand, and the payment isn’t what you expected
- Rent went up again. Equity went to your landlord again.
If We Talk This Week
- You know your real numbers — payment, cash to close, options
- You’re preapproved with a lender sellers take seriously
- Your self-employment income actually counts toward qualifying
- You made a strong offer and got the house
- You have a mortgage advisor on speed dial for the next 20 years
The difference between those two columns is one 20-minute conversation. It’s free, and there’s no obligation.
Straight Answers
Questions People Ask Me Every Week
Less than most people think. VA and USDA can be zero down, FHA is 3.5%, conventional starts at 3%, and even jumbo has 5%-down options. Down payment assistance can reduce it further. The real answer depends on your loan type and goals — that’s a 10-minute conversation.
Yes. Tax-return underwriting is only one path. Bank statement loans use deposits, 1099 loans use gross income, P&L loans use your accountant’s statement, and no-ratio programs don’t use income at all. This is one of my specialties.
A preapproval pull is a soft-touch process for most clients, and mortgage inquiries within a 45-day window count as a single inquiry. The impact is minimal and temporary.
Preapproval is typically same-day to 24 hours. Full closing is generally 21–30 days once you’re under contract, and I’ve closed faster when a deal required it.
Yes — that’s exactly what the Buy Before You Sell program is for. It lets you make a non-contingent offer, which sellers strongly prefer, and sell your current home afterward without pressure.
Prequalification is an estimate. Preapproval means your documents have been reviewed and underwritten, which is what makes your offer credible to a seller. I do the real one.
Texas is home base, but I’m licensed to serve clients across the country. Relocations are a regular part of what I do.
The consultation is free with no obligation. Loan costs are disclosed in writing and explained line by line before you commit to anything. No surprises — that’s the entire point.
Let’s Solve Your Mortgage Situation.
Apply online in about 12 minutes, or grab a free 20-minute strategy call. Either way, you’ll leave knowing more than you do right now.
Free Homebuyer Guide
The whole picture in one download: what you can actually afford, what lenders look at, how much cash you need, and what happens between offer and closing.
- How much house fits your budget, not just your approval
- The documents underwriting will ask for, listed up front
- Closing cost breakdown with real Texas numbers
No cost, no obligation, and your email is never sold or shared.