Most people start with a bank because it’s familiar. The trade-off is you only see that bank’s products at that bank’s rates. We have access to 160+ lenders, which means we shop the market for competitive rates and the right loan program for your situation—not just what’s on one shelf. We also provide something no bank or lender can: Home Price Protection at no cost to you for your first 12 months. If local home values decline after you close, you may receive a cash payout. It’s a benefit of working with our team, and no one else offers it.

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A common concern buyers have is what happens if home values drop after closing. That’s exactly why the REZILOANS Team includes Home Price Protection at no cost to you. It’s a contract tied to your local home price index. If values in your area decline past a set threshold during the contract term, you receive a cash payout. No claims to file. No appraisals. No other mortgage provider offers this.

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Home Price Protection vs. PMI vs. Homeowner’s Insurance: What Each Actually Covers

There’s no single number. FHA loans accept scores as low as 580 with 3.5% down—or 500 with 10% down. VA and USDA loans have no official government minimum, though most lenders look for 580–620. Conventional loans typically start at 620, with better rates as your score goes up. If your score needs work, your loan officer can show you what’s available now and what a few months of improvement could open up.

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Less than you might think. VA and USDA loans offer zero-down financing for eligible borrowers. FHA starts at 3.5%. Conventional loans go as low as 3% for first-time buyers. Put down 20% or more, and you skip PMI—that’s pure monthly savings. Your loan officer will map out the options based on your budget and goals.

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Yes. Celsa is fluent in English and Spanish and works with Spanish-speaking borrowers from application through closing. She explains loan options, documentation, and every detail in your preferred language—so you understand exactly what you’re signing and why. Buying a home is a major financial decision, and your loan officer should speak your language.

Before mortgage lending, Celsa ranked in the top 10% nationally as an insurance agent. That background taught her to break down complex financial products, explain tradeoffs clearly, and help people make confident decisions under pressure. She approaches every mortgage the same way—no jargon, no rush, full transparency on what you’re getting and what it costs.

You’ve done this before, so you know the process—but this time the stakes feel different. You’re protecting what you’ve already built while reaching for something better. The logistics reflect that: selling your current home, bridging timelines, qualifying while carrying two mortgage payments during the overlap. Down payment and reserve requirements shift depending on property type. Celsa specializes in move-up buyers across Texas and maps out the timing, financing, and logistics so nothing catches you off guard.

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