Get Pre-Approved in Minutes — No Lender Fees, No Runaround
Getting pre-approved is the single most important step you can take before buying a home in Texas. It tells you exactly what you can afford, makes your offer stronger, and shows sellers you're serious. The best part? With Texas Mortgage Consultants, it costs you nothing to find out where you stand.
No lender fees. No pressure. Just answers.
Have questions first? Book a free 15-minute call with Russell.
What Happens After You Apply
- You fill out the secure online application — takes about 10 minutes. You'll share basic info: income, employment, assets, and the type of home you're looking for.
- Russell reviews your file personally — no call center, no handoffs. You'll hear directly from Russell, usually the same day.
- Russell shops 40+ lenders on your behalf — as an independent broker, Russell isn't limited to one bank's products. He finds the best rate and terms for your specific situation.
- You get a pre-approval letter — ready to submit with your offer and competitive in any Austin market.
What You'll Need
To complete your application, have these handy:
- Social Security number (for credit check)
- Recent pay stubs or proof of income
- Last 2 years of W-2s or tax returns (if self-employed)
- Recent bank statements (last 2 months)
- Photo ID
Don't have everything together yet? That's okay — reach out and Russell can tell you exactly what you need for your specific situation.
Loan Types Available
- Conventional — best rates for buyers with strong credit and 5–20% down
- FHA — great for first-time buyers; down payments as low as 3.5%
- VA — zero down payment for eligible veterans and active-duty military
- Jumbo — for loan amounts above conventional limits
- DSCR — investment property loans based on rental income, not personal income
Why Texas Mortgage Consultants?
- ✅ Zero lender fees — Russell charges no origination fee, no processing fee, no underwriting fee
- ✅ Access to 40+ wholesale lenders — he finds the best rate, not just one bank's rate
- ✅ 20+ years of experience — thousands of loans closed across Texas
- ✅ You deal directly with Russell — not a call center, not a loan officer who hands you off
- ✅ Fast closings — Russell has a track record of clear-to-close in 15 days
Prefer to talk first? Call or text Russell directly: (512) 423-4663 or email rstout@texasmortgageconsultants.com
Texas Mortgage Consultants, PLLC | NMLS# 1843758 | Russell Stout NMLS# 220896 | Equal Housing Lender | 8805 Lemens Spice Trail, Austin, TX 78750
