The Right Mortgage Loan,
Right Here in Flower Mound!
Hi, I’m Brad Lynch, Your Mortgage Guy For Life!
I’ve been a mortgage loan officer in Texas since 2003. I’m proud to announce that I am now officially a Mortgage Broker. That means I now have the ability to shop a wide range of lenders on your behalf—giving you more options, better rates, and tailored solutions that fit your unique needs. Read about our numerous mortgage loan options below.
As your trusted local mortgage broker in Flower Mound, Texas, I’m here to make the loan process simple and stress-free. Whether you’re buying your first home, refinancing, or exploring options for a second property, I’ll guide you every step of the way. Let’s work together to turn your homeownership goals into reality.
Call me with any questions. 469-450-2723.
Conventional Loans
Conventional loans are a solid choice for buyers with strong credit and a steady income. These loans are not backed by the government, which gives you more flexibility when it comes to loan terms, property types, and removing mortgage insurance once you reach 20% equity. They’re a popular option for homebuyers looking for more competitive rates.
FHA Loans
If you’re a first-time homebuyer or have less-than-perfect credit, FHA loans offer a more accessible path to homeownership. Backed by the Federal Housing Administration, these loans allow for lower down payments and more flexible credit requirements—making them ideal for buyers who need a little extra support getting into their new home.
VA Loans
VA loans are a powerful benefit available to eligible veterans, active-duty service members, and their families. With no down payment requirement and no private mortgage insurance (PMI), this government-backed loan offers unmatched value for those who’ve served. VA loans also come with competitive interest rates and more flexible requirements.
Purchase Loans
Ready to buy your next home? A purchase loan is the key to unlocking the front door of your new property. Whether you’re upgrading, downsizing, or buying your first home, choosing the right loan structure can make all the difference in your long-term financial success and happiness.
Refinance Loans
Refinancing can be a smart way to lower your interest rate, reduce your monthly payment, or tap into your home’s equity. Whether you’re looking to shorten your loan term, consolidate debt, or fund a major expense, a refinance loan gives you the flexibility to improve your financial position.
HELOCs
A Home Equity Line of Credit (HELOC) lets you borrow against the equity in your home—giving you access to cash when you need it most. Think of it as a flexible financial tool for tuition, home improvements, or emergency expenses, with the convenience of drawing funds as needed.
Owelty Loans
Going through a divorce or buying out a co-owner? An Owelty loan is a specialized mortgage tool that helps one party refinance the property and pay out the other party’s share of the home equity. It can be a critical part of dividing assets fairly while keeping the home.
Jumbo Loans
When your dream home exceeds the limits of conventional financing, a jumbo loan is your path forward. Designed for high-value properties, jumbo loans allow for larger borrowing amounts and are typically used for luxury homes or properties in competitive real estate markets.
USDA Loans
If you’re looking to buy in a rural or suburban area, a USDA loan might be the perfect fit. Backed by the U.S. Department of Agriculture, these loans offer zero down payment, reduced mortgage insurance, and lower interest rates to qualified buyers in eligible areas.