FOR BORROWERS
Become pre-qualified.
Be ready when the home shows up.
If you're shopping for a home in Texas, start here. A short, private conversation with Closewiser to understand your numbers. No hard credit pull required to get started.
WHY OUR DESK
Real underwriting,
real leverage.
Every buyer is free to choose any lender. Here's what working with Closewiser looks like, and why it changes the deal — for you, and for the seller you're trying to win over.
UNDERWRITING
Letters backed by real underwriting.
Most pre-qualifications never go through a proper review — ours do. Credit, income, DTI, cash to close — all verified before the letter leaves our desk. When a seller calls to validate, they reach the actual MLO behind it. The deal stands on records, not assurance.
SPEED
Same-day initial pre-qualification.
Once you apply, the initial letter comes back the same business day. Property-specific letters issue within minutes when an offer needs to go out. Good listings move fast — buyers backed by Closewiser move with them.
CLARITY
Full cash-to-close in 24 hours.
Every dollar — loan, title, taxes, insurance, recording — laid out within a day of your application. Updated as the deal moves. No surprises at the closing table, no back-of-the-envelope math the night before signing.
ADVOCACY
Direct outreach to the seller's side.
On competitive bids, your loan officer calls the listing agent personally to confirm your financial strength with verified assets behind it. Real underwriting plus a real human voice on the other end of the phone — that's what wins offers.
ALREADY SHOPPING?
Bring us your Loan Estimate.
A loan officer reviews it personally and tells you if we can beat it — same business day, no credit pull.
See your payment in seconds.
Live sliders, Texas tax and insurance by ZIP, full PITI breakdown. Use it to plan, then start your pre-qualification when the numbers feel right.
$3,208 per month on a $400,000 home at 6% over 30 years.
$2,158 P&I · $733 tax (Harris) · $167 insurance · $150 PMI
Auto-fills county tax rate on blur.
Leave at 0 if no HOA.
| Principal & Interest | $2,158 |
| Property Tax(Harris) | $733 |
| Homeowners Insurance | $167 |
| Mortgage Insurance (PMI)— est., applied when down < 20% | $150 |
| Total Monthly (PITI + MI) | $3,208 |
Estimates only. Actual payments vary by taxes, insurance, HOA, and underwriting terms. Not a commitment to lend. Closewiser — NMLS #1660690. Loan Officer Liam Yang — NMLS #1709271.
FAQ
Common questions.
- Do I need a 20% down payment?
- No. FHA loans require as little as 3.5% down, and VA loans require 0% for eligible veterans. DPA programs can further reduce out-of-pocket costs.
- Will applying hurt my credit score?
- The initial pre-qualification form does not pull your credit. A hard inquiry only happens when you formally apply for a loan.
- How long does the pre-qualification process take?
- Most initial pre-qualifications turn around the same business day after we have your basic numbers. A formal letter follows after a 15-minute conversation, typically within 24 hours.
- Can I get a loan if I'm self-employed?
- Yes. Bank Statement and DSCR loans are specifically designed for self-employed borrowers and investors who may not show traditional W-2 income.
SERVICE AREA
Serving buyers across Texas.
Closewiser is licensed across Texas. A few of the metros we work in most:
Ready to start?
When the numbers above feel right, start your pre-qualification. Three minutes, no credit pull — we respond within one business day.