Helping Texans Get the Home Loans They Need
Eroica Financial Services helps people all over Texas buy homes, invest in property, and save money through smart loans. Led by Keith Krop (NMLS #320270), we’re one of the top mortgage brokers in Texas because we make the process easier, faster, and more personal.
We don’t offer just one type of loan. We search many lenders to find the loan that’s right for you, with some of the best mortgage rates in Texas.
Whether you’re buying your first home, refinancing your current loan, or investing in real estate, our team is here to help every step of the way.
Why Choose Eroica?
Here’s what makes us stand out as one of the top mortgage brokers in Texas:
Many Loan Options to Fit Your Needs
Everyone’s situation is different. That’s why we offer lots of choices:
- Regular home loans (called conventional loans)
- Government-backed loans like FHA, VA, and USDA
- Loans for big homes (jumbo loans)
- Loans for rental and investment properties
- Loans to borrow from your home’s value (HELOCs)
- Reverse mortgages for older homeowners
- Special programs like “Buy Before You Sell”
We carefully explain each option so you can choose confidently and easily.
Great Rates from Many Lenders
We’re not tied to just one lender. We shop around to find some of the best mortgage rates in Texas. That means you could save thousands of dollars over time.
We compare rates across multiple banks to save you serious money.
Easy Refinancing
Want to lower your monthly payments or change your loan terms? We make refinancing simple and fast. We’ll check if it’s the right move for you and guide you through it.
We walk you through refinancing to help you save and simplify payments.
Support for Real Estate Investors
Looking to buy a rental or income property? We help investors get loans for single-family homes, duplexes, and more. We offer flexible options to help you grow your investments.
We understand investor needs and work hard to support smart buying decisions.
Smart Loan Programs
We offer helpful programs like:
- Buy Before You Sell: Buy your new home before selling your old one.
- Temporary Rate Buy-Downs: Start with a lower interest rate for the first year or two.
- Bridge Loans: Short-term help when you’re buying and selling homes at the same time.
These programs give you flexibility when timing and cash flow really matter most.
Fast Process with Personal Help
Our online tools make the loan process quick and easy. You can upload documents, track progress, and get updates. Best of all, you’ll have a real person guiding you the whole way.
You get fast service with real human support whenever you need help.
Frequently Asked Questions
A mortgage broker helps you find a home loan by comparing offers from many lenders. We don’t work for a bank—we work for you.
Not always. We work with people with different credit scores. Some loans, like FHA loans, are made for people with lower credit.
Yes! Getting pre-approved shows sellers you’re serious. It also helps you know what you can afford.
Usually 3 to 4 weeks, but it depends. We use technology to speed things up and make things smoother.
You’ll need things like proof of income, job info, and bank statements. We’ll provide a simple checklist to help you stay organized and prepared.
Let’s Get Started
If you want to work with one of the top mortgage brokers in Texas, Eroica is here for you. We’ll help you find the right loan, get the best mortgage rates, and support you through every step.
Call us today to get started!