Mortgage Lending, Made Personal.
Experience.
Honest Guidance.
Personal Service.
Your mortgage is more than a loan. It's an important financial decision—and you deserve an experienced mortgage professional who takes the time to understand your goals, answer your questions, and guide you through the process.
At The Lending Advisors, we provide a personalized, boutique mortgage experience built around you.
Real Texas Mortgage Solutions
Your Goals. Your Loan. Your Advisor.
No two borrowers are exactly alike, and we don't believe their mortgages should be treated that way either.
Whether you're buying your first home, moving into your next one, purchasing a condominium, or financing an investment property, we'll take the time to understand your situation and help you explore the financing options available to you.
Our goal is simple: to help you make informed decisions and feel confident every step of the way—from your first conversation to the closing table.
“We treat every customer like they are our only customer.”
Mortgage Solutions for Every Stage
Whether you're purchasing your first home or adding to your investment portfolio, The Lending Advisors offers a variety of mortgage solutions designed to meet a wide range of financing needs.
Conventional Loans
Flexible financing options for primary residences, second homes, and investment properties.
FHA Loans
Government-insured financing that can offer flexible qualification guidelines and lower down payment options for eligible borrowers.
VA Loans
Mortgage financing designed for eligible veterans, active-duty service members, and qualifying surviving spouses.
Jumbo Loans
Financing solutions for homes that exceed conventional conforming loan limits.
DSCR Loans
Investment property financing that may qualify borrowers based primarily on the property's rental income and cash flow rather than traditional personal income documentation.
Non-QM Loans
Alternative mortgage solutions for borrowers whose financial circumstances or income documentation may not fit traditional lending guidelines.
Condominium Financing
Condominium loans can involve additional requirements that go beyond qualifying the borrower. With extensive experience in condominium lending, we understand the importance of reviewing both the borrower and the property to help identify potential financing considerations early in the process.
Not sure which loan is right for you? That's okay. That's what we're here for.
Your Mortgage Broker
Meet Betsy Sabogal
The Lending Advisors was built around the idea that mortgage lending should feel more personal, more understandable, and easier to navigate for borrowers across Texas. Since 1996, Betsy has worked through changing housing markets, refinance cycles, rising-rate environments, and evolving lending guidelines while helping homebuyers and homeowners make informed decisions. Instead of routing clients through layers of departments or handing files between unfamiliar contacts, the process stays centered around direct communication and practical loan guidance from beginning to end.
FAQs
Frequently Asked Mortgage Questions
Buying or refinancing a home can come with a lot of questions—and we believe you should feel comfortable asking every one of them. At The Lending Advisors, there is no such thing as a silly question. Our goal is to make sure you understand your mortgage options, know what to expect throughout the process, and feel confident when you arrive at the closing table.
What is a mortgage interest rate, and how is it determined?
Your mortgage interest rate is the percentage you pay to borrow money to finance your home. Mortgage rates can be influenced by overall market conditions, but the rate available to you may also depend on factors such as your credit profile, loan type, loan amount, down payment, property type, and whether you choose to pay discount points.
Because every borrower and every loan is different, it is important to look at your complete financial picture rather than focusing solely on an advertised interest rate.
What is APR, and how is it different from the interest rate?
The interest rate reflects the cost of borrowing the principal loan amount, while the Annual Percentage Rate, or APR, is designed to provide a broader measure of the cost of the loan. APR generally includes the interest rate plus certain finance charges and fees associated with obtaining the mortgage.
When comparing mortgage options, looking at both the interest rate and APR can be helpful. However, APR should not be the only factor you consider, particularly if you do not plan to keep the loan for its full term.
What are closing costs, and how much should I expect to pay?
Closing costs are expenses associated with obtaining your mortgage and completing your real estate transaction. Depending on your loan and property, these may include lender fees, appraisal fees, title-related charges, recording fees, prepaid interest, homeowners insurance, property taxes, and other expenses.
Your total cash needed at closing will depend on your individual transaction. We will review your estimated costs with you so you understand where your money is going and what you should expect before closing day.
What does it mean to lock my mortgage rate?
A mortgage rate lock means your interest rate is secured for a specified period of time, subject to the terms and conditions of the lock. This can help protect you from market rate increases while your loan is being processed.
Rate locks are available for different lengths of time, and the timing of your lock can be an important decision. We can discuss current market conditions and your expected closing date to help you understand your options.
How do I compare Loan Estimates from different lenders?
When comparing Loan Estimates, it is important to look beyond the interest rate. Review the loan type, loan term, interest rate, APR, points, lender fees, mortgage insurance, and estimated monthly payment.
Some costs, such as property taxes, homeowners insurance, and certain third-party fees, may be similar regardless of the lender you choose. Pay particular attention to the costs and terms that are specific to the loan being offered. We are always happy to help you review and understand a Loan Estimate—even if you simply have questions about what the numbers mean.
