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Lending Services

Understand the different choices that together make up a loan option. Our clear mortgage plan explains the difference between fixed and adjustable rates, shorter and longer loan terms, and different loan types such as conventional or FHA. Our guide explains how to decide what is right for you.

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©2025 by Timothy Joe 

We understand the importance of your privacy. We assure you that your mobile phone number and other related information will not be shared with third parties or affiliates for marketing or promotional purposes. We are committed to maintaining the confidentiality and security of your personal information.

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​Consumers wishing to file a complaint against a company or a residential mortgage loan originator should complete and send a complaint form to the Texas Department of Savings and Mortgage Lending, 2601 North Lamar, Suite 201, Austin, TX 78705. Complaint forms and instructions may be obtained from the department's website at www.sml.texas.gov. A toll-free consumer hotline is available at 1-877-276-5550
The department maintains a recovery fund to make payments of certain actual out-of-pocket damages sustained by borrowers caused by acts of licensed residential mortgage loan originators. A written application for reimbursement from the recovery fund must be filed with and investigated by the department prior to the payment of claim. For more information about the recovery fund, please consult the department's website at www.sml.texas.gov.

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