“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.”