Home Purchase & Refinance

A mortgage without the mystery.And a real person to call.

Whether you are buying your first home, moving up, or refinancing what you already own, you work directly with Ryan — not a call center and not a queue. Apply online in about ten minutes, then get a straight answer on what you qualify for.

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Ryan HughesLoan Officer NMLS #1554027 · Southwest Funding NMLS #32139

Cell: (214) 709-5985
Office: (214) 221-5215
Email: [email protected]

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Where to start

Three ways in, depending on where you are

Just looking

Find out what you can afford

Run the numbers yourself before you talk to anyone. The calculator estimates principal, interest, taxes and insurance so you can see a realistic monthly payment.

Open the calculator →

House hunting

Get pre-approved

A pre-approval tells you your real budget and tells sellers you are serious. In most markets an offer without one does not get a second look.

Start the application →

Already own

See if refinancing helps

Lower the rate, shorten the term, drop mortgage insurance, or pull cash out for a project. Worth checking even if you bought recently.

Refinance options →

Loan programs

The loan that fits, not the one that is easiest to sell

Different programs exist for genuinely different situations. Here is the short version — the full detail is on the programs page.

Conventional

Strong credit, steady income

The most common choice. Mortgage insurance comes off once you reach enough equity, which FHA generally does not allow.

FHA

More flexible credit requirements

Government-insured, with a lower down payment and more forgiving credit guidelines than conventional financing.

VA

Veterans and active duty

No down payment required for eligible borrowers and no monthly mortgage insurance. One of the strongest programs available to anyone who qualifies.

See all programs

The process

Five steps from application to keys

Apply

About ten minutes online. Save it and come back if you need to.

Pre-approval

Ryan reviews your file and tells you the number you can actually shop with.

Find the home

Make an offer backed by a real pre-approval letter.

Underwriting

Appraisal, title and verification. You will know what is needed and when.

Close

Sign, fund, and get the keys.

Walk through the process

Common questions

Quick answers

How much do I need for a down payment?

Less than most people assume. Conventional loans can start around 3% down for qualified first-time buyers, FHA around 3.5%, and VA loans require no down payment for eligible borrowers. The right answer depends on your credit, income and the property — ask Ryan to price your specific situation.

Does applying hurt my credit score?

A mortgage application does involve a credit inquiry, which can have a small, temporary effect. Mortgage inquiries made within a short shopping window are generally treated as a single inquiry by the major scoring models, so comparing lenders does not multiply the impact.

What is the difference between pre-qualified and pre-approved?

A pre-qualification is an estimate based on what you tell us. A pre-approval means your information has actually been reviewed and verified. Sellers take pre-approvals seriously and often disregard pre-qualifications entirely.

How long does closing take?

Timing depends on the property, the appraisal and how quickly documents come back. Ryan will give you a realistic target date when he reviews your file, and tell you promptly if anything changes it.

All questions

Ready when you are

Start your application in about ten minutes.

The secure application runs on Southwest Funding’s HomeHub. You can save and come back to it, and upload documents straight from your phone.

Apply Now Call (214) 709-5985