JA Consulting, LLC.
INVESTMENT PARTNERSHIPS | PROJECT FUNDING
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Loan Products, and more Loan Products

Thess Mortgage - a Texas Mortgage Broker with 35 wholesale investors. Quick pre-approvals. Fast Closings. Great at closing the hard loans, so bring your loans here first. Wholesale Mortgage Brokers are better, cheaper, and faster. Call us today. 512-786-9021

Mortgage Lending

Headquartered in the Highland Lakes of the Texas Hill Country, Thess Mortgage can originate mortgages for residential property in the State of Texas. Any non mortgage products are originated by the partnering company - JA Consulting LLC.

We are here to exceed the borrower's expectations; whether it is a primary residence, new construction loan, purchase with renovation loan, long/short term rentals, refinance, home equity home loan, or cash out - we are your lending solution. Assisting Affordability with Down Payment Assistance No Income Requirements, along with Experienced Underwriting to get you into your home. Consistent, Quick-Fluid Closings, and Transparency. Clear to Close average 15 days.

If you would like to get pre-qualified today, just click the get started button below.

 
 

Loan Products

Standard Owner Occupied Govt’ Home Loan Products: Primary or Secondary investment properties

Government Issued Mortgage Loans

  • Conventional (620+ FICO)

  • FHA (580+ FICO)

  • VA (500+ FICO)

  • USDA (620+ FICO)

  • Adjustable Rate Mortgages (Conventional, FHA, VA)

  • Fixed Rate Mortgages - 15, 20, 25, and 30 year, Flex Terms available

  • Jumbo Mortgages

  • Refinance - extend your loan 30 years or reduce the years of loan using Flex Terms.

  • Cash Out Refinance

  • One Time Close New Construction Home Loans up to 10 acres of land, 5% down for land and new construction, starting at a 680 credit

  • Two Time Close New Construction Home Loans 10 acres or more of land, 15% down for land and new construction, starting at a 700 credit

  • Purchase with Rehabilitation Budget at 80% Loan To Value

  • New Construction to Permanent Refinance - New Home, Manufactured Home, Modular Home

  • Non Permanent Resident Alien Loans

  • Home Equity Line of Credit (HELOC)

  • Reverse Home Mortgages

Non Qualified Low Doc Mortgage Loans: Primary, Secondary, or investment properties

No Tax Returns Needed!!

  • Bank Statement Loans - 12 & 24 Months, no tax returns on Personal and or Business Statements Loans

  • Asset Based Loans - Leveraging Checking, Savings, Investment Accounts, and or Money Market Accounts

  • 1099 Statements Only

  • Profit and Loss Statement Only

  • Non QM Jumbo Loans starting at 15% down up to 50 Acres

  • Low Doc Investment Loans - Debt To Service Coverage Ratio >0.70 min 680 credit score.

  • Interest Only Home Loans

  • Self Employed Income Loans

  • DSCR Investment Property Loans - Low Doc (Long Term, Short Term Rental, Seasonal Rentals)

 

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