Business Details
18 Years
experience
Trusted Mortgage Services in Frisco, TX
Family Home Loan Texas has been dedicated to serving Texas families since 2008, offering expert mortgage consulting and guidance tailored to individual needs. Our team specializes in simplifying the home loan process, providing no-cost pre-approvals and customized solutions for home purchases with as little as 3% down. We offer a comprehensive range of mortgage products, including conventional, FHA, VA, jumbo, and reverse mortgages, while prioritizing long-term financial planning and client education.With decades of combined experience in real estate finance, we focus on building lasting relationships through personalized service, transparent communication, and a commitment to understanding each client's unique circumstances. Our mission is to empower homeownership and financial flexibility across Texas through ethical practices and community engagement.
Services
Home Purchase
Refinance
Reverse Mortgages
Conventional Mortgages
FHA Mortgages
VA Mortgages
Jumbo Loans
Investment Properties
Second Homes
Cash Out Refinance
Details
- Year established: 2008
Highlights and features
- We offer personalized mortgage solutions with no-cost pre-approvals.
- Our team has 15+ years of combined experience in Texas real estate finance.
- We provide transparent guidance for conventional, FHA, VA, and jumbo loans.
- We specialize in reverse mortgages for retirement financial planning.
- Our founder actively supports local community initiatives in North Texas.
Associations and certifications
- NMLS
What people say
Expert financial advice
Patient and diligent
Smooth and simple process
Best interests at heart
Highly recommend
Services
Home Purchase
We streamline home purchase financing with no-cost pre-approvals and flexible down payment options. Our conventional, FHA, and VA loans cater to first-time buyers and experienced homeowners. Expert guidance ensures competitive rates and terms aligned with long-term financial goals.
Reverse Mortgages
Our reverse mortgage specialists help seniors access home equity without monthly payments. Backed by FHA insurance, these HECM loans provide tax-free income for retirement expenses. We ensure transparent counseling and compliance with federal regulations for secure financial planning.
Refinance
We offer rate-and-term refinancing to reduce monthly payments and cash-out options for debt consolidation. Our process evaluates market conditions to lock favorable rates. Clients benefit from reduced closing costs and improved loan terms tailored to financial objectives.
Investment Properties
Our investment property loans feature competitive rates for residential rental portfolios. We analyze cash flow projections and property valuations to structure profitable financing. Expert advice covers tax implications and long-term appreciation strategies for real estate investors.
Second Homes
We provide specialized financing for second homes with favorable terms compared to investment properties. Our team navigates occupancy requirements and down payment options. Clients receive tailored advice on managing multiple properties while maintaining financial flexibility.
People
Rob Bramer
Loan Originator & Founder
Rob Bramer, NMLS #183470, has 20+ years of Texas real estate experience. He founded Family Home Loan Texas in 2008 after earning his MBA from Dallas Baptist University. Active in community organizations like the Down Syndrome Guild, Rob combines mortgage expertise with local market knowledge to serve North Texas families.
Questions
What mortgage types do you offer?
We provide conventional, FHA, VA, jumbo, reverse mortgages, and investment property loans tailored to Texas homeowners' needs.
How does a reverse mortgage work?
Reverse mortgages convert home equity into tax-free income without monthly payments. Backed by FHA insurance, they help seniors fund retirement expenses while maintaining home ownership.
Do you serve all Texas residents?
Yes, we serve clients statewide with local expertise in North Texas housing markets and lending regulations.
What is no-cost pre-approval?
Our no-cost pre-approval evaluates your borrowing power without upfront fees, helping you understand budget limits before house hunting.
Can I refinance an investment property?
Yes, we specialize in refinancing investment properties with customized terms to improve cash flow and maximize rental income potential.
