Buying a home in Texas is exciting—until you start dealing with mortgages. Many people think going straight to a bank is the best way to get a loan, but that’s not true. The right mortgage broker can help you save time, cut costs, and avoid stress.
We make getting a mortgage easier. Led by Keith Krop (NMLS #320270), our team has over 25 years of experience helping Texas homebuyers find the best loans. As one of the top mortgage brokers in Texas, we connect you with different lenders to find better rates and loan options.
Here are five common mortgage myths and how Eroica Financial Services gives you the edge.
Myth 1: Banks Always Have the Best Deals
Many people think banks offer the best mortgage rates, but banks only have their own loan products. Mortgage brokers, like Eroica Financial Services, work with many lenders. This means we can find better deals and more loan options.
Whether you need a conventional loan, an FHA or VA loan, USDA 100% financing, or a reverse mortgage, we help you choose the best one.
Myth 2: Mortgage Brokers Have Hidden Fees
Some people think mortgage brokers add extra costs. That’s not true. At Eroica Financial Services, we are upfront about our fees. Plus, because we work with many lenders, we can often find lower rates and better terms than you would on your own.
Myth 3: Getting Pre-Approved Takes a Long Time
Many buyers believe pre-approval is a slow process. At Eroica Financial Services, we make it quick and simple. Fast pre-approval gives you a better chance when making an offer in Texas’s competitive housing market.
Myth 4: Mortgage Brokers Are Only for First-Time Buyers
We help all kinds of buyers, not just first-timers. Whether you’re refinancing, buying an investment property, or getting a home equity line of credit (HELOC), Eroica Financial Services has you covered.
Myth 5: All Mortgage Brokers Are the Same
Not all mortgage brokers offer the same service. Eroica Financial Services stands out because we provide personal attention and work with lenders across Grand Prairie, Granbury, Plano, Houston, Fort Worth, or any other cities in Texas and Dallas. We work hard to make your mortgage process smooth and fast.
Frequently Asked Questions
Q: Why use a mortgage broker instead of a bank?
Mortgage brokers offer more loan options from different lenders. Banks only provide their own loan products, limiting your choices.
Q: How long does the mortgage process take with Eroica Financial Services?
Our process is fast. We get you pre-approved quickly and work with lenders to close your loan on time.
Q: What loan options do you offer?
We offer many loan types, including conventional loans, FHA and VA loans, USDA 100% financing, HELOCs, and reverse mortgages.
Q: Do mortgage brokers charge extra fees?
No. Our fees are clear, and we often find better rates and terms than you can get on your own.
Q: Do you only work with first-time homebuyers?
No. We help with refinancing, investment property loans, and HELOCs for all kinds of buyers.
Why Choose Eroica Financial Services?
Finding the right mortgage can be confusing, but Eroica Financial Services makes it simple. We offer expert advice, access to many lenders, and personal service. Our goal is to get you the best mortgage and make the process as easy as possible.
Ready to buy a home? Contact Eroica Financial Services today and find out why we’re one of the top mortgage brokers in Texas. Your dream home is closer than you think, and we’re here to help you get there.