Josh Chavez, Mortgage Broker at Expedient Mortgage
Josh Chavez, Mortgage Broker
Expedient Mortgage
Phone: (210) 882-2134
Email: [email protected]
NMLS# 2531377
Company NMLS# 2424198
Licensed in: TX
Your agent connected us because they trust me to get you across the finish line. Take a few minutes to read through this. It'll walk you through what's ahead, and how we'll get you there together.
I'm a mortgage broker here in San Antonio, and I work directly with your agent to get buyers like you from just looking to holding keys. Unlike a bank loan officer who can only offer you one set of programs, I shop your file across multiple lenders to find what actually fits your situation, not just whatever's easiest for me to sell.
I handle everything myself, first question through closing day. I'm always a call or text away.
· NMLS# · Expedient Mortgage Corporation NMLS#
Here's what you actually need to understand before we get started.
These get used interchangeably, but they're not the same thing. A prequalification is a quick estimate based on what you tell us. A preapproval means we've actually verified your income, assets, and credit. That's what carries real weight with sellers and agents. When you're ready, we'll get you a real preapproval, not just a guess.
You don't need a large lump sum saved up to get started. There are loan programs built around low down payments, and depending on your situation, assistance options may also be available. We'll go over what applies to you once we look at your file together.
There are costs beyond your down payment to plan for at closing. We'll walk through what those look like for your specific loan and property well before you get there, so nothing sneaks up on you at the closing table.
You don't need perfect credit to buy a home. What matters is where you're at right now and having a plan if there's room to improve. We'll look at it together and map out the smartest path forward, whether that's starting your application today or working on a short gameplan first.
We verify your income, assets, and credit so you know what you can move on. Sellers take you seriously.
You and your agent go find the home. I'm on standby the whole time in case anything comes up.
Once you're under contract, I finalize your loan, order the appraisal, and handle everything behind the scenes.
You sign, you get your keys. I'll walk you through every document so nothing feels rushed.
A bank can only offer you their own programs. I shop your file across multiple lenders to find the one that actually fits you.
You're not routed through a call center. You have direct access to me, start to finish.
I'm in your corner through the whole process, not just there to say yes on approval day.
You've got two ways to move forward. Here's how I'd do it.
Submit it below and I'll review everything myself, then call you to walk through your options and next steps. You won't be guessing, and you won't wait on hold.
Call or text me directly and we can complete it together over the phone.
Expedient Mortgage Corporation
25331 IH-10 W, Suite 210, San Antonio, TX 78257
NMLS# · Company NMLS#
This is not a mortgage application, prequalification, credit decision, or commitment to lend. All loans subject to credit approval and underwriting guidelines. Equal Housing Opportunity.
Expedient Mortgage Corporation NMLS# 2424198. For questions or complaints regarding a mortgage company or a residential mortgage loan originator, complaints may be directed to the Texas Department of Savings and Mortgage Lending, 2601 North Lamar Boulevard, Austin, Texas 78705. A toll-free consumer hotline is available at 1-877-276-5550. A complaint form and instructions may be downloaded and completed at www.sml.texas.gov. Complaints regarding the servicing of your mortgage should be sent to the Department in writing.