ATTENTION: Texas Real Estate Investors
Buy Your Next Texas Investment Property — Better Rates, Faster Closings, Flexible Loans
No W-2? No problem — DSCR, Fix & Flip, and Rental Property Loans for Texas Investors
About Us
MPS Mortgage LLC
For nearly 30 years, MPS Mortgage has helped buyers and investors make smart, confident moves in real estate.
We’re built on one simple belief: speed wins — and great customer service makes it happen.
When you work with MPS, you’re not just another loan in a stack of paperwork. You have our full attention, clear communication, and a team that works proactively to handle the hard parts upfront — so you can close faster and with less stress.
To us, you’re not a transaction. You’re a partner. We take pride in building lasting relationships and giving you the tools, answers, and support you need to succeed, deal after deal.
Experience what makes MPS Mortgage different — where your goals come first, and your time matters.
Upfront prep means zero last-minute surprises
Clear updates — you’re never in the dark
Trusted by buyers and investors alike
How is financing an investment property different from buying my own home?
Lenders often require a larger down payment (typically 20–25%) and may look more closely at your debt-to-income ratio and credit score. Rates can also be slightly higher than for a primary residence.
Does MPS Mortgage LLC work with first-time investors?
Yes! Whether you’re buying your first rental or adding to your portfolio, we help new and experienced investors understand their options and avoid common mistakes.
How long does it take to close on an investment property loan?
Nationally, it usually takes 30–45 days from application to closing — but at MPS Mortgage LLC, we get it done in 2 weeks or less in most cases. Our team moves fast and keeps you informed at every step so you can lock in deals without delays.
How does MPS Mortgage LLC close loans so quickly?
We do the hard work upfront — gathering all your documents, double-checking details, and tackling potential issues before they become delays. Plus, we believe in constant communication: you’ll always know what’s happening and what’s next. This proactive approach lets us close most investment property loans in 2 weeks or less, while others can take over a month.
What Credit Score do you Need
If your credit score is hovering around 600, you might be wondering: Can I still buy a home in Texas? The good news is—yes, it’s absolutely possible. While a lower credit score can make the mortgage process a bit more complex, it doesn't mean you're out of options.
Understand What a 600 score Means
A credit score of 600 is considered “fair” by most lenders. It’s below the average for approved conventional loans, but there are still several loan programs that may work for you—especially with the right guidance.
Loan Options Might Include:
FHA Loans – These are backed by the government and are more forgiving of credit challenges.
Specialty or Non-QM Loans – Designed for borrowers who fall outside the traditional lending box.
Down Payment Assistance Programs – Some are available to buyers with credit scores in this range.
A Few Keys to Approval:
Stable Income & Low Debt – Your credit score isn’t everything. Lenders look at the full financial picture.
Larger Down Payment – Even a small boost here can offset risk and open more options.
Work With a Lender Who Gets It – Not all mortgage companies treat lower-credit borrowers equally. At MPS Mortgage, we focus on helping clients find real solutions—even when others say no.
Don’t Count Yourself Out
The most important step? Talk to a lender who will take the time to explore every angle—not just plug your numbers into a system. With the right strategy, you may be closer to homeownership than you think.
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