We help families create generational wealth through home ownership
We're not your average lender, we're here for you every step of the way!
Bilingual team
With over 25 years of experience servicing Spanish & English speaking families
Local office in the DFW
Providing in-person service by appointment
Fast & dedicated support
Generational Lending is committed to making homeownership accessible.
With a commitment to providing personalized mortgage solutions and expert guidance, generational lending aims to make homeownership accessible for clients from all backgrounds. Backed by years of experience, generational lending brings a client-first approach to the lending industry, promising transparency,
trust, and long-term support for each client. Generational lending is ready to serve the community and build financial futures for generations to come.
Our Mortgage Services
Conventional
- Minimum FICO score is 620
- Monthly mortgage insurance available
- Single mortgage insurance available
- Lender-paid mortgage insurance
Jumbo Loan
In the United States, a jumbo mortgage is a mortgage loan that may have high credit quality, but is in an amount above conventional conforming loan limits. This standard is set by the two government-sponsored enterprises, Fannie Mae and Freddie Mac, and sets the limit on the maximum value of any individual mortgage they will purchase from a lender.
Fannie Mae (FNMA) and Freddie Mac (FHLMC) are large agencies that purchase the bulk of U.S. residential mortgages from banks and other lenders, allowing them to free up liquidity to lend more mortgages. When FNMA and FHLMC limits don’t cover the full loan amount, the loan is referred to as a “jumbo mortgage”.
FHA
It’s provides mortgage insurance on loans made by FHA-approved lenders. An FHA Loan is a mortgage that’s insured by the Federal Housing Administration. They allow borrowers to finance homes with down payments as low as 3.5% and are especially popular with first-time homebuyers.
FHA loans are a good option for first-time homebuyers who may not have saved enough for a large down payment. Even borrowers who have suffered from bankruptcy or foreclosures may qualify for an FHA-backed mortgage.
- FICO score at least 580 = 3.5% down payment.
- FICO score between 500 and 579 = 10% down payment.
- MIP (Mortgage Insurance Premium) is required.
- Debt-to-Income Ratio < 43%.
- The home must be the borrower's primary residence.
- Borrower must have steady income and proof of employment.
Refinancing
Refinancing could save you thousands of dollars, cut down the length of your loan, reduce your interest rate, and even pay for your next home investment (if you choose a cash-out refinance). Speak to one of our experts to see how refinancing can change your life.
DPA
Get loans or grants that reduce the amount that you need to save for a down payment. Provided you qualify, you could receive an outright grant or a low– or no–interest loan to cover your down payment.
Self Employed
In the United States, a jumbo mortgage is a mortgage loan that may have high credit quality, but is in an amount above conventional conforming loan limits. This standard is set by the two government-sponsored enterprises, Fannie Mae and Freddie Mac, and sets the limit on the maximum value of any individual mortgage they will purchase from a lender.
USDA
A loan from The United States Department of Agricultural (USDA) is a mortgage option providing affordable financing for properties located in rural or small towns. This program is designated to help low-to-moderate-income families achieve homeownership, offering a no down payment option. Live comfortably outside city limits with a USDA loan.
- Minimum FICO score is 640
- Must be a U.S. Citizen
- 30 year fixed
- Mortgage Credit Certificate available
- Available to low-to-moderate income borrowers**
- Eligible applicants may build or improve a dwelling in an eligible area
VA
- Minimum FICO score is 600
- 30 year fixed
- Min. loan amount (see above)
- Mortgage Credit Certification (MCC) available
We proudly serve a wide range of clients
With first-time homebuyers being our specialty. However, we cater to all types of loans, including
Refinances
Second homes
Vacation properties
Investment homes
Our expertise extends to First Time Homebuyers, investors, TPS, DACA, Political Asylum, Work VISA holders, international buyers, foreign nationals, as well as VA and USDA buyers.
Meet Our Team
Who we’ve worked with
