For Real Estate Agents: Your Deals Close On Time. Here’s Why.
You know the feeling. The contract’s signed, your client is excited, and then the lender goes quiet. Week three, new document requests appear out of nowhere. Week four, the closing date slips. You’re the one making apology calls — for a problem the lender should have caught on day one.
It’s not bad luck. It’s a lender who didn’t ask the hard questions upfront.
How I Work
I’m Russell Stout, an independent mortgage broker in Austin. I’ve been closing loans in Texas since 2002, and my process is built around one idea: find the problems in week one, not week four.
- Same-day review. When your buyer applies, I review the full file immediately and send a complete needs list upfront — not a drip of surprise requests over six weeks.
- Underwriter pre-clearance. If anything in the file could raise a question — self-employed income, a credit issue, unusual reserves — I take it to underwriting before we formally submit and get written guidance. Most deals I take have zero surprises after that.
- Lender matching. I work with 40+ wholesale lenders and I know what each one’s underwriting will and won’t approve. A self-employed borrower with heavy write-offs, a 540 credit score, 401k funds as reserves without a hardship clause — I know which lender handles each of those, and I place the file there from the start.
- Straight answers. If a deal genuinely won’t work, I tell you and the borrower upfront — before you’ve burned weeks on it. I’m selective because I want your deals to actually close.
What That Means for You
Your closings happen on the date on the contract. Your clients get one point of contact who answers the phone and tells them exactly what’s happening. You never have to chase the lender for a status update. And the tough files — the self-employed buyer, the credit-challenged buyer, the jumbo with a wrinkle — become deals you can say yes to instead of deals you quietly dread. (Here is a real example.)
The borrower closes on time. You keep your commission. Your client trusts you more, not less, when it’s over.
And on Top of All That: $0 Lender Fees
I run an efficient business, so I don’t need to charge your buyers thousands of dollars in lender fees to keep the lights on. They pay $0 lender fees. Zero junk fees, zero delays, zero hassles — and my goal is to make you look good 100% of the time.
Send Me Your Toughest File
I’m not the cheapest lender on every deal — I’m the lender who closes. If you want to see how I work before referring a client, send me your hardest current scenario. I’ll tell you within a day whether I have a lender for it and exactly what the path looks like. No obligation, and I’ll give it to you straight either way.
Call or text: 512-423-4663
Email: rstout@texasmortgageconsultants.com
Russell Stout, NMLS# 220896 — Texas Mortgage Consultants, PLLC, Company NMLS# 1843758 — Austin, TX. Conventional, FHA, VA, Jumbo, and DSCR/investor loans. Pre-approvals in 24–48 hours.
