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About us

Located in the great state of Texas.  We thrive on the sucess and satisfaction of our clients.


 We care about improving your quality of life!

There are plenty of reasons why, but here’s the real reason; it's the little details that sets us apart from big box banks and online lenders.  

We know we are doing more than just giving you a loan. We care about making a positive impact on your health, wealth and overall well-being for you and your family through homeownership.   We work super hard for you to make this reality become true.   Many  don't realize children also dream of having a home.  I had a little boy at a closing tell me,  "Ms. Pat, thank you for getting the house for us.  Now the kids at school won't make fun of me because I live in an apartment."  There was definitely some teary eyes in that room.  

We help you save big!

We can’t promise an exact number, but we find the savings to be pretty substantial.  We like to keep the loan process simple and affordable and pass the savings to you. We don't have a fancy office,  there's  no branch or corporate office taking your money. 

I had a young man in his early 20's that was working with another lender.  He didn't know that not all Lenders are created equal.  When he saw his bottom line, he asked for a second opinon and his uncle referred him to us.   We saved this millenial $6,000 in closing costs and gave him a much lower interest rate. 

 We LOVE what we do, so it’s only natural we do the best for you!

We love taking the time  to educate the loan process to our first time home buyers and giving them loan options.   We’ll keep in touch regularly with our clients and referral partners with a quick text, phone call or email.  Everything we do is geared towards building a relationship because at the end of the transaction, our clients feel like family and we are just as excited as they are when they get their keys.  

So, with that being said, if you’re ready to work with a team who’s going to take great care of you then let's get started!

 We’ve been in the mortgage  business for over 15+ years and we know what works, and what doesn’t, and we conduct our business as such. We always aim to provide 5 star service, and we deliver on our word.

Discover what some of our clients have said….



"Pat Saldana works hard for her clients. Her concern for her client's well-being ultimately helps their bottom line."  -Jennifer, realtor

Patty is so amazing at what she does. She loves to help people , stuck with us until the very end. 
I honestly believe we wouldn't even be in our home right now if it weren't for her.   -Denise

"My experience with Pat was amazing! I spent several years looking for the right mid-century modern home (MCM), and each time I thought I found 'the one', Pat was always readily available to provide whatever documentation needed, for me to submit my offer. No matter the day, or time...even on her vacations - she was always available. Pat's extensive knowledge, experience, and most importantly her patience, guidance, and listening ear - was very comforting. I highly recommend Pat!  -Tanya

"Pat did an incredible job of guiding my wife and I through the home mortgage process. We were very impressed with her knowledge and she was always accessible by phone or text. I don't think we could have done it without her! We would definitely recommend her to our family & friends. –James & Alicia

"Being a first time home buyers me & my husband were nervous and scared but thankfully we come across Ms. Pat and she helped us with everything from day one to closing date, she explained to us step by step what we needed to do to make things easier for us. I'm very thankful for all her help, time, knowledge, & patience pretty much everything she has done for us !! :D 100% recommend her!!!"  -Cynthia