NMLS #1871433 | NMLS #2351128
NMLS #1871433 | NMLS #2351128
Texas Mortgage Brokerage
Get Approved for a Home
Loan in Texas, Even If a Bank Has Already Said No.
A Certified Mortgage Advisor with access to nearly 100 lenders will find the right
loan for your situation — even if a bank has already turned you down.
Texas Mortgage Brokerage
Get Approved for a Home Loan in Texas, Even If a Bank Has
Already Said No.
A Certified Mortgage Advisor with access to nearly 100 lenders will find the right
loan for your situation — even if a bank has already turned you down.
The Problem With
Rate Shopping
If you have been looking at homes in Texas and comparing rates online, you have probably noticed something. Every lender advertises a different number. Some look almost too good to be true.
That is because they are. Those advertised rates are based on a perfect borrower profile — perfect credit, perfect income history, a large down payment, zero debt.
There are over 27 different factors that determine your actual rate, and unless every single one of them falls into the lowest risk category, the number you saw online is not your number.
What happens next is predictable. You reach out to that lender. They pull your credit. They start the process. And then somewhere along the way, the rate changes. Fees appear. Conditions get added.
You have already invested time and energy, and now you are stuck deciding whether to start over or accept something that is not what you were promised.
There is a better way to do this.
What You See vs. What You Get
Advertised Rate (online)
5.99%
After credit check
6.75%
After income review
7.40%
After fees & conditions
7.90% + $4,200 fees
⚠️ The rate you saw online assumed 27 factors all falling perfectly. For most borrowers, they don't.
The Problem With
Rate Shopping
If you have been looking at homes in Texas and comparing rates online, you have probably noticed something. Every lender advertises a different number. Some look almost too good to be true.
That is because they are. Those advertised rates are based on a perfect borrower profile — perfect credit, perfect income history, a large down payment, zero debt.
There are over 27 different factors that determine your actual rate, and unless every single one of them falls into the lowest risk category, the number you saw online is not your number.
What happens next is predictable. You reach out to that lender. They pull your credit. They start the process. And then somewhere along the way, the rate changes. Fees appear. Conditions get added.
You have already invested time and energy, and now you are stuck deciding whether to start over or accept something that is not what you were promised.
There is a better way to do this.
What You See vs. What You Get
Advertised Rate (online) iiiiiiiiiiiiiiiiiiii5.99%
After credit check iiiiiiiiiiiiiiiiiiiiiiiiiiiiiii6.75%
After income review iiiiiiiiiiiiiiiiiiiiiiiiiii7.40%
After fees & conditionsiiiiiiii. iiiiiiiiii 7.90% +
iiiiiiiiiiiiiiiiiiiii iiiiiiiiiiiiiiiiiiiii iiiiiiiiiii$4,200 fees
⚠️ The rate you saw online assumed 27 factors all falling perfectly. For most borrowers, they don't.
HOW WE'RE DIFFERENT
How FAISALOANS Works Differently
Most people go to a bank when they need a mortgage. The problem is that a bank only has its own products.
Faisaloans is a mortgage brokerage — we work with close to 100 different lenders to find the loan that actually fits your situation.
Most people go to a bank when they need a mortgage. The problem is that a bank only has its own products. Faisaloans is a mortgage brokerage — we work with close to 100 different lenders to find the loan that actually fits your situation.
What Included
Lender Access
Borrower Types
Down Payment
Closing Time
Our Approach
What Most Lenders Do
✗ Offer only their own products
✗ Reject non-traditional borrowers
✗ Require large down payments
✗ Take 45–60 days to close
✗ Treat you like a transaction
What Faiso Loans Does
✔ Shop nearly 100 lenders for the best fit
✔ Work with self-employed, commission, low credit & non-traditional income
✔ Offer programs with as low as 0% down (depending on eligibility)
✔ Close in under 30 days in most cases
✔ Approach your loan as part of your long-
term financial plan
What Included
Lender Access
Borrower Types
Down Payment
Closing Time
Our Approach
What Most Lenders Do
✗ Offer only their own products
✗ Reject non-traditional borrowers
✗ Require large down payments
✗ Take 45–60 days to close
✗ Treat you like a transaction
What Faiso Loans Does
✔ Shop nearly 100 lenders for the best fit
✔ Work with self-employed, commission, low credit & non-traditional income
✔ Offer programs with as low as 0% down (depending on eligibility)
✔ Close in under 30 days in most cases
✔ Approach your loan as part of your long-term financial plan
IS THIS FOR YOU?
Who This Is For
This is for you if any of the following sound familiar.
You are looking to buy a home in Texas within the next year
You are a first-time buyer and you are not sure where to start
You have been told you need a large down payment and you do not have one
A bank has already turned you down or offered you unfavorable terms
You are self-employed, work on commission, or have non-traditional income
You want to know what you actually qualify for before shopping for homes
Who You're Working With
About Faisal Momin
Faisal Momin is a Certified Mortgage Advisor and the founder of Faisa Loans, operating under Matador Lending (NMLS #1871433). He holds a Bachelor's degree in Finance, has been a business owner since the age of 15, and has worked as both a real estate agent and real estate investor.
His approach is different from a typical loan officer. With a background in financial analysis and planning, Faisal looks beyond the immediate transaction to ensure the loan you take on fits your broader financial goals — not just today, but for years to come.
Born and raised in Houston, Texas, Faisal understands the local market and works exclusively with Texas residents for residential lending.
get Started today
Find Out What You Actually Qualify For
No pressure. No credit pull required to start. Just a clear picture
of your real options from someone who has access to nearly 100
lenders.
No pressure. No credit pull required to start. Just a clear picture of your real options from someone who has access to nearly 100 lenders.
Faisa Loans operates under Matador Lending | NMLS #1871433 | Faisal Momin NMLS #2351128 Licensed for residential lending in Texas. Equal Housing Opportunity.