Your Texas Mortgage Guide
One of the biggest decisions of your life deserves a real guide. I'm Tyler Hardy, a mortgage loan officer helping people buy, build, refinance, and invest with clarity and confidence.
Start with where you are
I've been turned down
Told no by your bank, credit union, or another lender? A denial from one lender may not reflect every available option. Get an honest second opinion.
Learn more →I'm self-employed
Eligible alternative-documentation programs may consider bank deposits, a profit-and-loss statement, 1099 income or qualifying assets.
Learn more →I'm a veteran
A lender who loves helping veterans use the home loan benefit they earned.
Learn more →Buying my first home
Low down payment options, down payment assistance, and a clear plan from application to closing.
I'm an investor
DSCR financing may allow eligible investors to qualify primarily using a property's rental income.
Private client
Eligible borrowers may be able to use qualifying assets to establish income.
I'm building
Coordinate eligible land, construction and permanent financing through a one-time-close construction loan.
Learn more →Meet your guide
I've lived in Bryan–College Station for more than 20 years and in 12 Texas cities over my life. I started out in construction and mortgage lending, then spent 16 years as a senior pastor, walking with people through some of the biggest moments of their lives. I bring that same care to your loan: clear answers, honest advice, and follow-through until you close.
Read my story
Loan Programs for Every Situation
From your first home to farmland, self-employed income to a second chance, there's usually a path. I'll help you find it and explain it clearly.
Down Payment Assistance
Supreme Dream offers two assistance options for eligible FHA buyers: 3.5% forgivable assistance or 5% repayable assistance. Funds may be used toward eligible down-payment or closing costs. No first-time homebuyer requirement or program income limit applies under current guidelines. Program and state restrictions apply.
Learn more →FHA Loans
Eligible borrowers may qualify with a down payment as low as 3.5%. FHA permits maximum financing beginning at a 580 credit score, although lender, underwriting and borrower-specific requirements apply. Eligible gift funds may be used.
Learn more →VA Loans
Eligible Veterans, service members and qualifying surviving spouses may be able to purchase with no down payment when the sales price does not exceed the VA reasonable value and sufficient entitlement is available. No monthly private mortgage insurance is required.
Learn more →USDA Loans
Eligible buyers may qualify for 100% financing when purchasing a primary residence in a USDA-eligible area. Household-income, property and underwriting requirements apply. Eligible manufactured homes may also qualify, subject to USDA and lender requirements.
Learn more →Conventional & First-Time Buyers
Qualified buyers may have conventional options requiring as little as 3% down. Some options are designed for first-time buyers, while others may be available to eligible repeat buyers. Credit, income, occupancy and mortgage-insurance requirements vary by program.
Learn more →Self-Employed Loans
Eligible self-employed borrowers may be able to document income using bank statements, 1099 income, a profit-and-loss statement or other alternative documentation. Required documentation and business-history requirements vary by program. Qualify with 12 or 24 months of bank statements.
Learn more →Asset Depletion Loans
Eligible borrowers may be able to use qualifying assets to establish income when traditional employment income is limited or unavailable. Eligible assets, calculation methods, loan amounts, occupancy and reserve requirements vary by program.
Learn more →DSCR Investor Loans
DSCR financing may allow eligible real estate investors to qualify primarily using a property’s rental income rather than traditional personal-income documentation. Down payment, credit, reserves, property type and minimum cash-flow requirements vary by program.
Learn more →Land & Hobby Farm Loans
Financing may be available for eligible residential land, rural acreage, recreational property and hobby farms. Down payment, acreage, property-use and minimum-loan requirements vary by program. Up to 85% LTV on eligible properties. No maximum acreage.
Learn more →One-Time-Close Construction
A one-time-close construction loan can coordinate eligible land, construction and permanent financing through one closing. Construction funds are released through managed draws as work is completed. Available loan types, construction periods and payment structures vary by program.
Learn more →Renovation Loans
Eligible renovation loans may combine a home purchase or refinance with funds for approved repairs and improvements. Available options may include FHA 203(k), HomeStyle® Renovation, VA renovation and other qualified renovation programs.
Learn more →Refinance & Home Equity
Explore cash-out refinance, home equity loan and HELOC options based on your goals and current mortgage. Available term options may allow eligible borrowers to select a term shorter than 30 years. Texas home-equity requirements and program restrictions apply.
By refinancing an existing loan, total finance charges may be higher over the life of the loan.
Learn more →Jumbo Loans
Jumbo financing may be available for qualified borrowers whose loan needs exceed applicable conforming limits. Fixed- and adjustable-rate options may be available for eligible primary residences, second homes and investment properties. Loan amounts up to $3 million.
Learn more →Condo Loans
Financing may be available for eligible warrantable and non-warrantable condominiums. Supreme Lending’s condo team reviews project eligibility, and FHA single-unit approval may be available for eligible units in projects without full FHA approval.
Learn more →Second Chance, ITIN & Earned Equity
- A previous bankruptcy, foreclosure or history of late payments does not necessarily eliminate every future financing option. Eligibility and applicable waiting periods depend on the loan program, credit event and borrower’s current qualifications.
- ITIN options for borrowers without a Social Security number
- Earned Equity is an alternative homeownership program—not a mortgage loan—for eligible participants who are not yet ready to qualify for traditional financing. Rights, obligations, purchase terms and equity treatment are governed by the program agreement.
Rate Lock Programs
- Lock & Look may allow an eligible buyer to secure an interest rate before entering into a purchase contract. Available lock periods, fees, extensions, expiration and program requirements apply.
- Lock N’ List may establish a property-specific rate opportunity for an eligible listing. The eventual buyer must qualify for the loan and satisfy all applicable program requirements. Lock expiration, extension and other terms apply.
- The applicable rate is protected during the approved lock period, subject to the program’s terms, expiration, extension requirements and any qualifying changes to the loan.
Not sure which fits? Tell me your situation →
Also available: Manufactured Homes · Barndominiums · Bridge Loans · Foreign National · Physician Loans · Two-Time Close Construction · FHA Streamline Refinance · Investor Pricing Programs · Reverse Mortgage
Programs, terms, and availability are subject to change without notice and may not be available in all states. All loans are subject to credit and property approval. This is not a commitment to lend. Ask me which options fit your situation.
The borrower must meet all loan obligations, including living in the property as the principal residence and paying property charges, including property taxes, fees, hazard insurance. The borrower must maintain the home according to FHA requirements. Failure to meet these requirements may trigger a loan default that may result in foreclosure.
For builders and advisors
Your clients need a lender who answers the phone and communicates clearly. I work with builders as a preferred lending partner, and with financial professionals across Texas. Ask whether your transaction may qualify for Supreme Lending's expedited closing process. Eligibility depends on the loan program, property, documentation, appraisal and underwriting readiness. Closing within a particular timeframe is not guaranteed.
Builders
Builder partners →CPAs & Advisors
What clients say
“Tyler was very honest and upfront and put in the time and work to review our situation and cook up the game plan to make it happen.”
“Tyler was great through the whole process. He did a great job communicating and even came to meet us at our closing.”
“Tyler is a trustworthy lender, and a really hard worker. It's clear that he truly values people.”
Common questions
What credit score do I need for a mortgage?
It depends on the program. FHA permits maximum financing beginning at a 580 credit score, although lender, underwriting and borrower-specific requirements apply. Conventional requirements vary by program. If your score is lower, I'll show you what it would take to get there.
I was turned down by another lender. Can you still help?
A denial from one lender may not reflect every available option. Different lenders and loan programs have different eligibility requirements, so a second review may identify another path—or provide clearer steps for moving forward. Tell me what happened.
Can I get a mortgage if I'm self-employed?
Often. Eligible self-employed borrowers may be able to document income using bank statements, 1099 income, a profit-and-loss statement or other alternative documentation. Required documentation and business-history requirements vary by program.
Where do you lend?
I'm based in College Station and licensed in Texas.
How fast can you close?
Ask whether your transaction may qualify for Supreme Lending's expedited closing process. Eligibility depends on the loan program, property, documentation, appraisal and underwriting readiness, and closing within a particular timeframe is not guaranteed. I'll give you a realistic date up front.
Can I apply from my phone?
Yes. You can apply, upload documents, and track your loan from your phone.
Do you offer help in Spanish?
Yes. Spanish-language help is available through my team. Se habla español.
Estimate your monthly payment
Get a quick estimate. For numbers based on your situation, talk with Tyler.
Results received from this calculator are designed for comparative purposes only, and accuracy is not guaranteed. Supreme Lending is not responsible for any errors, omissions, or misrepresentations. This calculator does not have the ability to pre-qualify you for any loan program. Qualification for loan programs may require additional information such as credit scores and cash reserves which is not gathered in this calculator. Information such as interest rates and pricing are subject to change at any time and without notice. Additional fees such as HOA dues are not included in calculations. All information such as interest rates, taxes, insurance, PMI payments, etc. are estimates and should be used for comparison only. Supreme Lending does not guarantee any of the information obtained by this calculator.
Request a call back
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Se habla español — Spanish-language help available through my team.