FAQs

  • JGT Mortgage provides residential mortgage guidance for homebuyers and homeowners across Texas. Our services include purchase loans, refinances, first-time homebuyer programs, VA, FHA, USDA, and conventional loans, as well as financing for self-employed borrowers and new construction. As an independent brokerage, we work with multiple lending partners to find options that fit each client’s situation.

  • Getting started begins with a short conversation or a secure pre-approval application. We’ll review your goals, timeline, and financial picture, then walk you through the next steps so you know exactly where you stand before making any commitments.

  • JGT Mortgage is an independent mortgage brokerage, not a bank or single-lender office. That means we’re not limited to one set of loan products or guidelines. We focus on strategy, transparency, and personal guidance—helping you understand your options and choose what truly fits your long-term goals.

  • You can schedule a consultation, start a pre-approval, or reach out by phone, text, or email. We’re happy to answer questions, review scenarios, or help you plan your next step—whether you’re ready to move forward or just exploring options.

  • Credit score requirements vary by loan program and overall financial profile. Some programs allow lower scores with compensating factors, while others offer better terms for higher scores. We’ll review your credit, explain the options available to you, and outline how to strengthen your position if needed.

  • In many cases, pre-approval can be completed within 24–48 hours once we receive the necessary information and documents. More complex situations—such as self-employment or multiple income sources—may take a bit longer, but we’ll communicate clearly throughout the process.

  • Closing costs typically include lender fees, third-party services such as appraisal and title, and prepaid items like taxes and insurance. We provide clear estimates early in the process and review everything with you before closing, so there are no surprises.

  • Most borrowers are asked to provide income documents (pay stubs or tax returns), bank statements, identification, and authorization to pull credit. Additional documentation may be required depending on your situation. We’ll outline exactly what’s needed and help keep the process organized and manageable.

  • A mortgage broker works on your behalf to compare loan options across multiple lenders. Instead of being limited to one institution’s programs, you gain access to a broader range of options and guidance tailored to your needs. Our role is to help you understand your choices and advocate for the best fit—not just push a product.

  • Why choose a mortgage broker? Because your loan should fit you — not the other way around. At the JGT Team, we have access to 70+ lenders, allowing us to compare options and find the loan that best matches your unique situation. We’re not a one-stop shop… we’re your one smart stop for variety, flexibility, and personalized solutions.

  • Refinancing may make sense when interest rates drop or your financial goals change — but at the JGT Team, we believe it should truly benefit you. We typically recommend refinancing when it lowers your current rate by about a full percentage point or more and/or allows you to shorten your loan term to help you save significantly over time. Our priority is long-term financial gain, not quick transactions, so you can feel confident that we’ll only suggest a refinance when it genuinely puts you in a stronger position.

  • Yes! At the JGT Team, with over 22+ years of experience, we specialize in all types of financial situations — including self-employed borrowers and those facing credit challenges. We understand that every client’s story is different, and we’re here to help you navigate the process with confidence. If credit is a concern, we can connect you with our trusted credit repair partners and guide you on the steps needed to get you mortgage-ready and shopping for your new home as quickly as possible.  

  • At the JGT Team, our job is simple — we find the loan that truly fits you. We take the time to understand your full financial picture by reviewing your income, employment, monthly expenses, and credit. Then, we shop multiple lenders to match you with the best loan option — not a one-size-fits-all bank solution.

    Think of it like trying on shoes 👟… we don’t stop until it feels just right.

    Here’s how we guide you every step of the way:
    ✔️ Break down what your monthly payment will really look like
    ✔️ Help you choose the loan that makes the most financial sense
    ✔️ Identify anything to improve before buying so there are no surprises
    ✔️ Provide expert advice and personalized options tailored to your goals

    Our mission is to make the mortgage process clear, comfortable, and customized — so you can move forward with confidence.