Our Mission is Education

For Texas Home Buyers, their Agents, and our Communities

Our mission as a For-Purpose Social Enterprise is “to support financial literacy for everyone in Texas, to provide honest mortgage advice and service to our clients, and to invest our profits for the next generation, through a Social Impact Fund.”

1.  Financial Literacy

We rely on our Realtor partners to help us fulfill the first part of our mission. We can only provide financial literacy to buyers and our communities with the help and support of our Realtor partners. We are affiliate supporters of the Greater Collin County Association of Realtors, and MetroTex Association of Realtors. We provide Continuing Education classes as a Texas REALTORs Certified Instructor through GCCAR and at local Title Companies, for groups of 15-25. We provide 2 classes each month, helping us reach 500 Agents each year.

2.  Honest Mortgage Advice

We believe that Home Buyers want and need advisors, not sales people. That is why we encourage our Buyers to seek out the offers of other lenders, and we help them compare our offer against others. We believe in lending money only after our client has provided their Informed Consent, with full awareness of all the possibilities available to them. We are happy to negotiate with our lenders to seek lower interest rates for our clients. We answer our Home Buyer FAQs to provide support to buyers during this process.

We believe in making a Profit as a Small Business. We also believe that Mortgage Borrowers living in communities across Texas should decide how we are regulated by state and federal agencies. We believe the best profit is made with honesty, integrity, and trust. The Company has no external owners which require immediate results. We are looking forward to the next 20 years, not the next quarterly financial report.

3.  Social Impact Fund

We have financially supported the International Rescue Committee and the Texas Homeless Network in the past. In January 2024, we will announce details of a Social Impact Fund to create Green Spaces for K-12 children at public schools in North Texas. The Fund will make 0% loans of $2500 – $5000 to local non-profits who will construct community gardens at public schools. The loans will be repaid over 3-5 years from the sale of produce. We are engaging in a search June – September for a 5-member Board of Advisors. If you would like to learn more, please email Ben Strube.

4.   Loan Officers

Loan Officers who share our Mission are welcome to join us. We do ask that you have 5 years of full-time industry experience in loan originations. You will need to provide documentation of competency for each loan product that you wish to offer through us. You will need to pass an (open book) exam demonstrating full knowledge of Fannie Mae, Freddie Mac, VA, and FHA investor guidelines. We are an Equal Opportunity Employer. Please have a list of 10 past clients ready who can vouch for the quality of your work.