MORTGAGE LOAN OFFICER · 100+ LENDERS · NMLS #2180891 · LENDING IN 12 STATES
I Make Mortgages Make Sense
Straight, no-BS guidance from a loan officer who carries the stress, so you make decisions based on facts, not feelings.
or call me at (512) 270-2835
Licensed in 12 states · NMLS #2180891 · with Satori Mortgage
lenders I can shop
States licensed
who actually picks up
National Average Mortgage Rates
6.48%
30-Yr Fixed
5.79%
15-Yr Fixed
National average, week of June 4, 2026.
Source: Freddie Mac Primary Mortgage Market Survey, via FRED (Federal Reserve Bank of St. Louis).
National averages for conventional, conforming loans (20% down, excellent credit). This is market data, not a rate offer or quote. Your rate depends on your loan, credit, property, and other factors.
Not all rates are created equal. The national average isn't your rate. Let's find your actual number.
Get My Personal RateWhich best describes you? I am...
A First-Time Buyer
Nervous about the process? Ask me anything, no question is off-limits. I'll walk you through every step so you feel confident, not overwhelmed.
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Self-Employed
Tired of being told your income is 'too complicated'? I structure self-employed files to qualify conventional, no non-QM games.
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A Veteran
You served us. Let me serve you. VA loans are my favorite for a reason, and I'll make sure you use every benefit you earned.
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Looking to Refinance
Wondering if a refi actually helps you? I'll run the numbers and tell you straight, no pressure, and only if it puts money back in your pocket.
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A Real Estate Agent
Let's make you look like a hero to your clients. Fast pre-approvals, straight answers, and a partner who closes on time.
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Someone Told "No"
Declined by another lender or builder? That's not always the end of the story. Let me take a second look. It's what I do best.
Get StartedThe Problem
Buying a home shouldn't feel like filing your taxes.
But most lenders make it that way. Jargon nobody explains. Paperwork nobody warned you about. Calls that go to voicemail. And that nagging feeling you're overpaying with no way to check.
The Fix
One conversation. The whole menu, not one option.
I do the opposite. I explain everything in plain English, give you my real cell, and carry the stress so you don't have to. My rule: you never panic until I call you and tell you to. I'm a mortgage loan officer with access to 100+ lenders across the market, so I can match you to the right loan instead of selling you the only one a bank has.
See how it works →Why Work With Me
What you actually get.
Confidence
You'll understand every step and every number before you sign anything.
Honesty you can bank on
Facts over feelings, and advice that's right for you even when it's not the easy sale. My numbers don't change unless something catastrophic does.
You're never left hanging
Direct access to me and a dedicated team on your file. Questions get answered, 6.5 days a week.
Don't Take My Word For It
Real people. Real closings. Real talk.
"Replace me with a real, permissioned review. Niko explained every step and answered every text."
"Replace me with a real, permissioned review. He found me an option my bank never mentioned."
"Replace me with a real, permissioned review. Closed on time and I knew exactly what I was paying."
These are placeholders. Real, permissioned reviews replace them one by one.
What I Do
Every loan type. One simple start.
VA Loans
Zero down, no PMI, earned benefits.
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First-Time Homebuyer
Start here, stress less.
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Self-Employed
Qualify on your real income.
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FHA
Real loans for real credit.
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Conventional
The standard, done right.
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USDA
Rural and suburban, zero down.
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Jumbo
Bigger loans, done smart.
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Investment Property
Build your portfolio.
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Reverse Mortgage
Only when it truly fits.
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Refinance
Only when it actually helps you.
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VA IRRRL
Already have a VA loan? Refinance to a lower rate, fast.
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Debt Consolidation
Roll high-interest debt into your mortgage, if the math works.
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Keep doing it the hard way.
Call a big bank. Take their one option. Fill out the same forms twice. Wait. Get ghosted. Close in 60 days if you're lucky, then wonder for 30 years if you overpaid. The "damn you" you'll say every month.
Or do it the way that makes sense.
Start with a 60-second quiz. Get a plan built around your life. Talk to a real person who explains everything and carries the stress. Close knowing exactly what you're paying and why. The "thank you, Niko" you'll mean every month.
Find Your RateQuestions? I get these a lot.
I help you figure out how much home makes sense, then I shop your loan across my lender network to find a fit. I explain every step in plain English, gather your paperwork, coordinate with underwriting, and keep you updated so closing day has no surprises. Think of me as your guide and translator.
I start by listening. Your goals, income, credit, timeline, and how long you plan to stay all matter. Because I work with many lenders, I can compare options instead of pushing one product. Then I walk you through the trade-offs so you choose with facts, not pressure.
Timelines vary by loan type, your documents, and the property, so I won't promise a magic number. That said, when you get me what I ask for quickly, things move fast. I tell you the realistic timeline up front and flag anything that could slow us down before it becomes a problem.
No. The quiz on this site does not pull your credit, and a quick conversation with me does not either. A full mortgage application later involves one hard inquiry, which typically has a small, temporary effect. I'll always tell you before anything touches your credit. No surprises.
Texas is my home base, and I'm also licensed in California, Oregon, Washington, Minnesota, Florida, Georgia, Alabama, Iowa, Missouri, North Carolina, and Pennsylvania. That's 12 states total. Colorado is coming soon. If you're buying in one of these, let's talk.
Yes, and they're a specialty of mine. VA loans typically mean zero down and no monthly PMI, which is a huge benefit you earned through service. I handle the VA-specific paperwork like your Certificate of Eligibility and make sure you use every benefit available to you. Let's confirm your eligibility.
Fresh from the blog.
Self-Employed
How Self-Employed Buyers Qualify Conventional (Without Non-QM)
Business owner or 1099? Here's how I structure self-employed files to qualify for conventional loans, instead of pushing you into a pricier non-QM product.
First-Time Buyers
7 First-Time Homebuyer Mistakes That Cost You Real Money
The first-time buyer mistakes I see most often, and exactly how to avoid each one. Straight talk, no jargon, from a mortgage loan officer who's seen it all.