Your choice of lending partner affects your reputation. When a loan falls through, the client does not always separate the lender from the agent — they remember who recommended the lender. According to Freddie Mac, 76% of buyers choose their mortgage provider based on a recommendation from their agent. That recommendation has weight, and it needs to be backed by someone who delivers.
Why Agents Work With Me
The Partnership at a Glance
Pre-Approval Speed: Same day for most files
Lender Access: 100+ wholesale lenders
Availability: 7 days a week, evenings included
Specialty: Non-QM, self-employed, foreign national
The short version: same-day pre-approvals, direct access, and the ability to close deals other lenders turn away.
Same-day pre-approval letters. When your buyer is ready to write an offer, they should not be waiting two days for a letter. Most pre-approvals are issued the same day.
Direct cell phone access. You reach me, not a call center, not a voicemail box that gets checked on business days. If there is a problem on a deal, you hear about it from me first — not from your client.
Weekend and evening availability. Real estate does not run 9 to 5, and neither do I. If a deal comes together on a Saturday afternoon, I am available.
100+ lender access. As an independent mortgage broker, I shop your client's loan across more than 100 wholesale lenders. That is a wider rate comparison than any single bank or direct lender can offer.
Non-QM capability. This is where most loan officers stop and I keep going. Self-employed borrowers with complex income, buyers recovering from a credit event, foreign nationals, investors — these are my specialty, not exceptions I have to escalate to someone else.
Bilingual Vietnamese service. Houston has a large Vietnamese-speaking community, particularly in the southwest and Midtown areas. If your client's first language is Vietnamese, I work with them in it. That opens a segment of the market that most agents do not have a lender for.
Schedule a Partner CallWhat You Get as a Partner
Same-day pre-approval letters for the buyers you send my way.
Direct cell access — you have my number and I pick up.
Proactive communication on active deals. I update you at every major milestone: application submitted, appraisal ordered, clear to close, closing scheduled. You should never have to chase me for status.
Non-QM problem-solving. When a buyer does not fit a conventional box — self-employed, recent credit event, foreign national, investor — I work through the options rather than issuing a denial and moving on.
Rate shopping across 100+ lenders. Your client gets compared pricing across the wholesale market.
Co-branded marketing materials. Open house flyers, social media content, homebuyer seminar materials — anything that puts both our names in front of buyers together.
Listing presentation support. Knowing that your lending partner issues same-day pre-approvals and handles non-traditional buyers adds real value when you are pitching a listing.
Start Working TogetherLoan Programs Your Clients Can Access
Most agents have a lender for conventional deals. I handle those and the ones nobody else can close.
| Program | Best For | Key Feature |
|---|---|---|
| Conventional | 3% down, 620+ credit | 3% down, PMI drops at 20% equity |
| FHA | 3.5% down, 580+ credit. Flexible credit and DTI requirements | 3.5% down, 580+ credit score |
| VA | $0 down for veterans, active duty, reservists, and surviving spouses. No PMI | 0% down, no PMI |
| Jumbo | Purchases above conforming limits. Competitive rates for well-qualified borrowers | Loans above $766,550 |
| Bank Statement | Self-employed buyers qualify on deposits, not tax returns | No tax returns required |
| DSCR | For investor buyers. Qualifies on rental income, not personal income | Qualify on rental income |
| Non-QM | Recent credit events, complex income, asset-heavy profiles | Flexible guidelines |
| Foreign National | Buyers without U.S. citizenship, SSN, or U.S. credit history | ITIN and passport accepted |
Most agents have a lender for conventional deals. I handle those and the ones nobody else can close.
See How I Can Help Your ClientsHow I Support Your Deals
- Pre-approval. Within 24 hours of your buyer contacting me, in most cases same day. They leave the call with a clear picture of what they qualify for and which programs fit their situation.
- Under contract. Once your buyer is under contract, I coordinate with the title company, appraiser, and any co-borrowers to keep the timeline on track.
- Communication. You hear about any issues before your client does. If underwriting comes back with a condition, I call you first so we can think through it together before the client gets involved.
- Closing. If a closing date moves, you hear from me, not from the title company.
The goal is that you should never be in a position where you have to explain to your client why the loan is delayed because you did not know about a problem.
Co-Marketing Opportunities
Open house materials with both names — flyers, rate sheets, and mortgage information tailored to the neighborhood and price point.
Social media collaboration — posts about the buying process, mortgage programs, market conditions, and neighborhood-specific content.
Homebuyer seminars in English and Vietnamese. I can present the mortgage side; you cover the buying process and local market.
First-time buyer workshops — structured around the questions first-time buyers consistently ask. Good for building a pipeline of buyers who are six to twelve months away from being ready.
Listing presentation support — documentation of my pre-approval speed, program depth, and track record for sellers who want to know your buyer is working with a reliable lender.
Areas I Cover
Licensed in all 50 states, with a primary focus on the Houston metro and surrounding suburbs.
If your client is buying anywhere in the Houston metro, I can close it.
See also: Mortgage Pre-Approval Houston | CPA Partner Program
Frequently Asked Questions
How fast can you issue a pre-approval letter?
Same day in most cases — typically within a few hours of the initial call. For complex files (self-employed, non-QM), within 24 hours.
What loan types can you handle?
Everything: conventional, FHA, VA, jumbo, bank statement, DSCR, non-QM, and foreign national.
What areas do you cover?
Licensed in all 50 states. Primary focus is the Houston metro.
Do you offer co-marketing?
Yes. Open house materials, social media collaboration, homebuyer seminars in English and Vietnamese, and listing presentation support.
How do you handle self-employed or non-traditional borrowers?
This is the part of the business I have built out intentionally. Bank statement loans for self-employed borrowers, DSCR for investors, non-QM for credit events, foreign national programs for buyers without U.S. credit history. These are not referrals I send somewhere else — they are files I handle directly.
What is your communication style?
Proactive. You get updates without having to ask for them. If a problem comes up, you hear about it from me before your client does. Direct cell access, available evenings and weekends.
Start the Partnership
Fill out the form below or call me directly at 832-997-1527. I will reach out within 24 hours to discuss how we can work together.
Partner With Brandon
Or call directly: 832-997-1527