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Your Partner In Finance

Contact Us Today 832-256-6296

Residential Mortgage Loan Officer/NMLS#278119

Meet Themba Titley

I have worked in the mortgage industry for 20+ years. I started out as a mortgage processor which allowed me to gain valuable knowledge essentially as the liaison between the lender and the borrower. This behind-the-scenes experience was further built upon once I became a direct underwriter with a major bank. 

Mortgage Basics

Jump in and get an overview on common mortgage terms

Application Checklist

Applying for a mortgage can seem like a daunting and scary process. To help, we've created a checklist of things for you to compile, complete, and acknowledge before applying. See the fill list by clicking learn more below. 


Credit history is a recorded file of past and current credit that is utilized to compile a credit score. Your overall credit score, credit history and utilization of credit are all essential to determining your ability to seek mortgage approval.

Closing Cost

A closing cost is a payment required to finalize a home loan and is separate from a down payment. There are strict guidelines regarding the amounts you can be charged, the source & length of time funds must be seasoned and available in your account  as well as how payment is rendered.  


An appraisal is an estimate of a property's fair market value and is required by a lender to ensure the loan amount is not more than the property value. Appraisals used for mortgage transactions must be ordered from an approved appraisal management company and payment is typically non-refundable even if your loan is not viable.

Private Mortgage Insurance (PMI)

Private Mortgage Insurance or PMI is insurance that protects a lender from increased risk when borrowers put less than 20% down on a house. Depending on the type of mortgage program one uses, the PMI portion of the mortgage payment can be removed after the property balance reflects 20% equity. FHA loans, however require mortgage insurance for the life of the loan.


Refinancing your mortgage is a common practice used to change the overall structure of an existing mortgage. Refinancing can be used to change the interest rate or even the term of the loan. 


Foreclosure is the process of a lender seizing a property in accordance with the terms stipulated in the mortgage contract. Once a loan is foreclosed, it affects the timing of one's ability to be approved for a mortgage in the future. There are strict waiting periods in place once a person experiences a foreclosure, bankruptcy or a short sale. 

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