- Application Assistance

- Loan Consultation
COMPETITIVE PRICING
We work with multiple lenders, ensuring you get the best rate and fee combination for your financial services and home loans.
SUPERIOR SERVICE
Our clients come first, and our financial services focus on smooth processes, leveraging industry expertise and lender relationships for your home loans.
FAST & EFFICIENT
We combine cutting-edge technology and seamless communication for fast financial solutions, ensuring quicker closing times for your home loans.
- Best Award



About Us
Get the Best Rates with Expert Financial Services in Texas
At Eroica Financial Services, we are committed to providing comprehensive financial services to individuals and businesses alike. Our team, led by Keith Krop, brings a wealth of expertise to assist you in achieving your financial goals, whether you're looking for home loans, refinancing options, or specialized investment property loans in Texas.. We are dedicated to offering financial solutions that meet your unique needs with a focus on exceptional customer service and competitive rates.
Trusted By Many Clients in The World
Services We Provide
We offer a range of financial services to help you secure the right solution for your needs:
Mortgage Purchase/Refinance
Unlock the best terms for your home loan or refinance your current mortgage to lower your rates and payments.
Investment Property Loans
Finance your real estate investments with personalized solutions and competitive rates.
Current Mortgage Refinance
Refinance your current mortgage for better rates and terms, tailoring your needs.
Conventional Loans
Access competitive interest rates through our broad selection of conventional loan options.
FHA & VA Loans
Special loan options for first-time buyers and veterans, designed to make homeownership more accessible.
Reverse Mortgages
Convert home equity into income with flexible and secure reverse mortgage options.
- Empowering Financial Stability



About Us
Rate Lock Advisory
Why Choose Us
We Have Years of Experience in Financial Management
Eroica Financial Services stands out from the crowd because we always put your needs first. Here's why clients in Texas choose us
- Years of Experience: With decades of experience in financial services, we bring unmatched expertise to help you make the right choices for your home and investment needs.
- Personalized Service: We understand that every financial situation is unique. Our team works with you to tailor solutions that suit your specific goals.
- Competitive Rates: We collaborate with multiple lenders to find the best rates and terms for your mortgage, refinance, or investment loan.
- Fast & Efficient: We leverage cutting-edge technology to speed up the loan process, ensuring fast closings without sacrificing service quality.


- Personalized Assistance
- Highest Level of Expertise
- Latest Solutions
- Client Commitment
- Years Of Experience
DON’T JUST TAKE OUR WORD FOR IT
Eroica Financial Services went above and beyond to help me secure financing for my investment property. Their team was always available to answer my questions and provide guidance. I would definitely use their services again in the future.
Graphic Designer
I was a first-time homebuyer and had a lot of questions about the mortgage process. Eroica Financial Services was patient and explained everything to me in detail. They helped me secure a great mortgage rate, and I couldn't be happier with the service I received.
Business Analyst
I had a great experience working with Eroica Financial Services for my mortgage refinance. Their team was knowledgeable, responsive, and made the process smooth and easy. Highly recommend!
Accountant
I recently worked with Eroica Financial Services to refinance my mortgage, and I'm so glad I did. They were able to secure a lower interest rate and save me thousands of dollars over the life of my loan. Their team was professional and knowledgeable, and I would highly recommend them to anyone in need of mortgage services.
Don't Hesitate to Consult Now, We Provide The Best Services!
Loan services and financial solutions anywhere in the state of Texas. We offer premier services, ensuring you receive the finest financial solutions. Your future starts here.
Find the Best Home Loan and Equity Rates in Texas
Looking to buy a home, refinance, or tap into your equity? Eroica Financial Services, a trusted Texas mortgage broker led by Keith Krop (NMLS #320270), helps clients statewide secure the best home equity loan rates in Texas.
From first homes to investment properties, we match you with the right loan to meet your goals.
Great Home Equity Loan Rates in Texas
Need cash for a big expense like home repairs, education, or paying off debt? We can help you get a home equity loan or a Home Equity Line of Credit (HELOC) with a great rate.
You use the value of your home, and we help you get the best deal. Our Texas mortgage company guides you through every step to unlock your home’s potential.
We Find the Best Home Loan Rates
Need the best home loan rates in Texas? You don’t have to search all over for the best mortgage. We work with many lenders to find the lowest rates and best terms for you.
Whether you need an FHA loan, a VA loan, or a regular loan, we’ve got you covered. Our team compares lenders to ensure you save money long-term.
Smart Programs to Help You Move
Need to buy a home before selling your current one? Want lower payments at the start of your mortgage?
Eroica Financial Services offers special programs like “Buy Before You Sell” and temporary rate discounts to make things easier. We create flexible solutions so you never feel stuck or rushed.
Fast and Easy Online Process
Our technology makes everything quicker and simpler. You can send documents, check updates, and talk with us online. We save you time and make the process smoother. You’ll enjoy quick approvals with fewer delays and zero unnecessary paperwork.
Personal Help from Real People
We don’t just give you a loan; we listen to your needs and give you advice that makes sense for your situation. Our goal is to help you feel confident about your decision. We care about your success and treat you like family.
Experience You Can Trust
We’ve helped many people across Texas get the right mortgage. We know the local market, and we know how to make the loan process easy for you. With years of experience, we anticipate problems before they ever happen.
FAQ
Popular Questions
A fixed-rate mortgage maintains the same interest rate throughout the loan term, providing stability. In contrast, an adjustable-rate mortgage (ARM) typically starts with a lower rate but may change over time based on market conditions.
Lenders typically prefer a credit score of 620 or higher for conventional loans. Government-backed loans like FHA and VA may accept lower scores.
The process involves pre-approval, application, document verification, underwriting, and closing. Pre-approval helps determine the loan amount you can afford.
Pre-approval is a more rigorous process involving a comprehensive review of your credit, income, and other financial factors, resulting in a firm commitment from the lender for a specific loan amount.
A home equity loan gives you one big payment up front, with a fixed rate. A HELOC is like a credit card; you can borrow money as needed, and the rate might change over time.
Good credit, low debt, and enough equity in your home help you qualify for better rates. We help you apply to lenders who offer great deals.
Yes! We work with lots of lenders, not just one. That means we can compare offers and help you find the best fit for your budget.
Yes. Refinancing can help you access cash from your home’s value, lower your payments, or switch to a better loan.
We help people all over Texas—from Dallas and Houston to Austin, San Antonio, and smaller towns, too.
Let’s Get Started
Looking for the best home equity loan rates in Texas or ready to buy your first home? We’re here to help you make the right move.
Eroica Financial Services guides you through every step and works hard to get you the best loan possible. Call us today to start your journey!
Your home financing doesn’t have to be confusing; we’ll make it simple and stress-free.
Mark Johnson
Real Estate Investor