Elite Living Lending

Realty expertise.
Lending speed.
One roof.

Fast, personalized pre-approvals backed by local lending pros and smart tools. Get confident about your numbers before you tour.

Apply Now →(817) 690-9677
Powered by Home Town Lending · Equal Housing Lender
Why Buyers Choose Us

Confidence before
you tour.

We pair Elite Living Realty's on-the-ground expertise with Home Town Lending's proven loan process — so you can shop with clarity and close with confidence.

01

Fast Pre-Approvals

Lightning-fast, personalized pre-approvals so you can move the moment the right home appears.

02

Transparent Numbers

Clear options and full monthly payment breakdowns — no surprises, no guesswork.

03

Local Underwriting

Real local support and underwriting from people who answer the phone.

04

Seamless Handoff

Your agent and lender work under one roof, so nothing falls through the cracks.

Equal Housing Lender · Terms subject to credit approval.
How You Qualify

Four pillars to
qualify for a loan.

Underwriting comes down to four things. Here's what lenders look at — and how to put your strongest file forward.

Capacity

  • Source & type of income — salary, commission, self-employment
  • Length and stability of that income
  • Expected continuance going forward

Capital

  • Liquid funds — checking, savings, money market
  • Convertible investments — stocks, bonds, CDs, IRA, 401(k)
  • Eligible cash gifts from family

Credit

  • Tri-merge score from Experian, Equifax, TransUnion
  • History of on-time payments
  • Monthly obligations — auto, student loans, cards

Collateral

  • The home itself, pledged as collateral
  • A licensed appraisal helps determine the loan amount
Your Lending Director

Talk to a real
local pro.

Carlos Sturrock

Carlos Sturrock

Director · Elite Living Lending
NMLS #2012593 · Company NMLS #2712965
📞 (817) 690-9677✉ carloss@hometownlend.com
Get Pre-Approved →

Speed

AI-assisted pre-approvals that keep your offer competitive.

Unified

Realty and lending working together, start to close.

Support

Responsive, around-the-clock smart support.

Proven

Local, experienced, and trusted across Texas & Florida.

Loan Programs

Options that fit
your goals.

Tap a program for highlights, typical requirements, and who it's best for.

Flexible terms and competitive rates for well-qualified buyers. Often the lowest total cost with stronger credit.

As low as 3% down620+ FICO typicalNo upfront MI
Best for
  • First-time and repeat buyers with solid credit
  • Primary, second homes, or investment

Government-backed option with easier credit and down-payment requirements.

3.5% down minLower credit OKUpfront & monthly MI
Best for
  • First-time buyers needing flexibility
  • Those rebuilding credit

An exclusive benefit for eligible Veterans, Active-Duty, and surviving spouses — no down payment in many cases.

$0 down eligibleNo monthly MICompetitive rates
Best for
  • Eligible military and spouses
  • Primary residences only

Zero-down option for eligible rural areas, within income limits.

$0 down eligibleArea & income limits
Best for
  • Homes in eligible rural zones

Financing above conforming limits for high-value properties, with tailored options.

Higher loan amountsStrong credit/income
Best for
  • Luxury or high-cost areas

A flexible line of credit based on your home's equity for projects and big expenses.

Revolving linePay interest on what you use
Best for
  • Remodels, tuition, debt strategy
  • Bank Statement Loan — qualify using personal/business bank statements instead of tax returns.
  • DSCR Loan — based on property cash flow (rent vs. payment); ideal for investors.
  • ITIN Loan — for borrowers using an Individual Taxpayer Identification Number.
  • Community Loan — streamlined, common-sense underwriting.
  • Hard Money / Commercial — asset-based or business-purpose financing.

Pick the term that matches your priority — lowest payment, fastest payoff, or a balance of both.

30-Year Fixed25-Year Fixed20-Year Fixed15-Year Fixed10-Year Fixed
Payment Calculator

Run your
numbers.

Estimate a full monthly payment — principal, interest, taxes, insurance, and HOA. Adjust anything; it updates live.

30-Year Fixed
$0 / mo
Principal & Interest$0
Property Taxes$0
HOA$0
Insurance$0
Get Pre-Approved →
Estimate only — not a loan offer. Taxes and insurance are approximate.
Ready When You Are

Get pre-approved
in minutes.

Know your numbers before you tour. Apply online or call your lending director directly — fast responses, 7 days a week.

Apply Now → 📞 (817) 690-9677