Whether you’re a first-time homebuyer or planning your next move, we’ll help you secure the best mortgage—even if you need to improve your credit or save for a down payment!
From investment properties to building your dream home, we provide tailored solutions that go beyond limits. Our financing expertise includes no-debt-ratio-limit investment property financing and jumbo financing at competitive rates.
Take control of your finances with our powerful refinancing options. Lower your monthly payments, secure better interest rates, and tap into your home’s equity with ease.
With years of experience in the industry, our team is poised to deliver the highest level of excellence in home financing. Discover our expansive program options, including the exclusive 1% down purchase option at conventional mortgage rates.
NOTE: For a Prequalification Letter, please prefill the calculator below. An Application will follow – fill it out online. We will use this information to compose a Prequalification Letter and forward it to your email within 24 hours.
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Many future homeowners face credit challenges or need more savings before qualifying for a mortgage. That’s why we offer a step-by-step mortgage readiness program to help you achieve your homeownership goals.
With our expansive programs, competitive rates, and unmatched expertise, Stafford Financial
provides customized solutions. We expedite approvals, offer rapid preapproval, and ensure
one-day loan approvals. Our programs accommodate diverse scenarios, including no or low
credit scores. Investors benefit from flexible financing options, while jumbo and
construction/permanent financing serve higher loan amounts and dream home construction.
With additional services like the lowest PMI rates, buy-down options, and hard money loans,
we enhance the entire mortgage experience.
With a dedication to excellence and a commitment to personalized solutions, we provide
the support and expertise you need every step of the way.
Get closer to homeownership with Stafford Financial’s comprehensive mortgage solutions. Our customized programs cater to your specific needs, offering competitive rates and favorable terms.
Seize financial opportunities with Stafford Financial’s range of refinancing options. Whether you’re looking to lower your monthly payments or access your home’s equity, we provide flexible solutions tailored to your goals.
Make informed financial decisions with Stafford Financial’s accurate debt-to-income and loan-to-income ratio assessments. Our experts utilize advanced tools to analyze your financial situation, ensuring you clearly understand your borrowing capacity.
Whether you’re investing in properties or building your dream home, our comprehensive solutions are designed to meet your specific needs.
Benefit from our lowest PMI rates in the industry, saving you money on your monthly payments. Take advantage of our innovative buy-down options, allowing you to start with a lower initial loan rate and increase affordability.
Our process is designed to make your financial journey seamless and efficient. Begin with an initial consultation where we understand your goals and gather essential information. Our experts conduct a thorough assessment and analysis, developing customized solutions tailored to your needs. We assist you with the application process, ensuring a smooth and convenient experience. Our underwriting team strives for rapid approvals, and we guide you through the closing process.
With over 30 years of experience as a real estate lender since 1979, Bob’s wealth of expertise serves as the guiding force behind our exceptional services.
Stafford Financial stands as a distinguished leader in the financial services industry, dedicated to providing exceptional mortgage and home finance solutions. We pride ourselves on our unwavering commitment to excellence, transparency, and trust as a team. With a rich history spanning over three decades, we have earned the trust and loyalty of countless clients, making us a reliable and reputable partner in their journey.
“My wife and I had credit scores ranging between 520–600. On top of that, we had defaulted private student loans and credit card debt. We also wanted to use a VA loan, which can sometimes be more challenging to work with. Despite our situation, we had a strong two years of good financial history and a promising future ahead. While many companies turned us away early in the process—or even after getting close to underwriting—Stafford Financial LLC took on the challenge and stood by us every step of the way. For nearly two months, they worked tirelessly on our file, communicating with us regularly, opening and closing business days after hours, and advocating for us throughout underwriting and with all involved parties. They consistently kept our best interests at heart. When everyone else said it couldn’t be done, Stafford Financial proved that it could. It definitely wasn’t an easy process for anyone involved, but thanks to their dedication and persistence, my wife and I are now happily living in our new home. I’m not saying they performed a miracle—you still need to have reasonable debt-to-income ratios, stable employment, and solid payment history—but if you’re being turned away when you shouldn’t be, and you’re looking for a team willing to go above and beyond to help you succeed, this is the team you want by your side.”
“I had an outstanding experience working with Stafford Financial LLC. They helped me navigate a brand-new loan program that was unfamiliar to many lenders, and Kelly & team handled the entire mortgage process with professionalism, patience, and expertise. Even when parts of the process felt ambiguous or unclear, they stayed committed and communicated consistently. Their knowledge of the mortgage loan process and dedication to problem-solving really made all the difference. Because of their persistence in tandem with my RE agent, my children and I are now blessed to be in a home we love during what was a difficult transition. If you’re looking for a trusted mortgage company in the Dallas or Houston area (or anywhere in Texas!) that can handle complex loan programs, first-time homebuyer situations, or unique financing scenarios, I highly recommend Stafford Financial LLC! They don’t just close loans — they truly change lives”
“Kelly and her team made the entire home-buying process smooth and stress-free. We were initially placed into a down payment assistance program, but Kelly took the time to explore better options that fit our situation perfectly. Her dedication, knowledge, and commitment to finding the best solution truly stood out. We’re incredibly grateful for all the support we received and would absolutely work with her team again in the future.”
“Stafford Financial made my dream of homeownership a reality! Their personalized approach and competitive rates made the mortgage process a breeze. I was impressed by their expertise and ability to tailor a solution that perfectly suited my needs. The team was responsive, knowledgeable, and guided me every step of the way. I highly recommend Stafford Financial for anyone looking for a seamless and rewarding mortgage experience.”
“I am incredibly grateful for Stafford Financial’s exceptional service in refinancing my mortgage. Their dedicated team went above and beyond to secure the great rates and terms for me. From start to finish, the process was smooth, efficient, and stress-free. I couldn’t be happier with the outcome and would recommend Stafford Financial to anyone seeking a hassle-free refinancing experience.”
“Choosing Stafford Financial for my investment property financing was a game-changer. Their expertise in the real estate market and flexible options helped me achieve my investment goals. They took the time to understand my unique needs and provided tailored solutions that perfectly aligned with my vision. I am grateful for their support and highly recommend Stafford Financial to fellow investors.”
“Stafford Financial understood the challenges of being self-employed and provided no-income options based on my bank deposits. Their streamlined process and attentive team made securing a mortgage hassle-free. They truly went above and beyond, and I couldn’t be happier with the outcome. If you’re self-employed and looking for a stress-free mortgage experience, I highly recommend Stafford Financial.”
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Mortgage Broker – NMLS MLO #2594054 | TX NMLS #2612805
