David Kravets - Mortgage Loan Originator NMLS#32721 | TEXANA BANK MORTGAGE

Our Ability to Compete is Your Invitation to Achieve!

WORK WITH US AND SUCCESS AWAITS YOU!

WE FINANCE IN ALL 50 STATESFREE PRE-APPROVAL.

I have been working in the U.S. banking industry since 1997. I am here to guide you through the process, based on your financial situation. Struggling with a low credit score? No Green Card but authorized to work? Insufficient funds? Lack of two years of employment history?

And many other issues related to financing.

I am committed to providing exceptional customer service to clients in all 50 states, helping both past and future clients, as well as referral partners, with my knowledge, experience, expertise, and success.

Because Sharing is Caring!

It's always a good idea to get a "second opinion".

  • 5% down payment - no PMI options up to $1.2 million

  • Owner-occupied - 1-4 Family - 100% Financing for First Time Home Buyer with down payment 3.5% Government Grant!

  • 2nd home - up to 90% Loan-to-Value

  • Investment properties 1-4 Family - minimum 15% down payment

  • No limit of investment properties financed

  • 100% gift funds and Non-Occupant co-borrowers allowed

  • 30, 25, 20, 15, 10 – year fixed-rate mortgages 

  • Conventional, FHA, VA, USDA, JUMBO, Renovation 203K, Construction 

  • 20% down payment – 1-4 Family – Owner-Occupied – No Ratio

  • Loans in all 50 States and Washington DC

  • Refinance, Cash out, Debt Consolidation - up to 95% Loan-to-Value

  • Bridge loans – purchase a new home before current home sold - no mortgage contingency, not effecting Debt-to-Income Ratio 

  • Relocation from state to state 

  • Condo, Non-warrantable condos, Co-Op, Condotels

  • Commercial, Mixed-Use, Fix and Flip

  • Developer/Builder loans, Land Loans

  • Mega Jumbo Loans up to $10 Million

  • Home Equity Lines of Credit (HELOC) up to $500,000 - up to 90% LTV

  • No Social Security Number? – 10% down payment with ITIN

  • Foreign Nationals – 30% down payment

  • Non-Permanent resident with Work Authorization – 3.5% down payment

  • College Graduate - just started job 3.5% down payment

LEVERAGE MY 28 YEARS OF EXPERIENCE IN THE BANKING INDUSTRY!

I speak Russian, Ukrainian.

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