I'm Rodolfo Toscano.
I get Texas homebuyers to the closing table.

My Story

I grew up in the Rio Grande Valley. I understand what it means to work hard, save carefully, and dream of owning a home. I became a mortgage loan originator because I saw families in my community get passed over, misled, or turned away by lenders who didn't understand our market or our culture.

The Big Mortgage exists to fill that gap. I'm not a mega-bank or a national call center. I'm a local loan officer who answers my phone, explains every step, and fights to find the right loan for every client — regardless of immigration status, employment type, or credit history.

Who I Serve

My client base looks like Texas:

• First-time buyers in the Rio Grande Valley using FHA loans and TSAHC down payment assistance to get into their first home with minimal cash out of pocket.
• Military families at JBSA San Antonio using their VA benefit — often for the first time — to buy with zero down and no PMI.
• ITIN holders who have lived and worked in the Valley for years and deserve to own the homes they've been renting. The entire process can be conducted in Spanish.
• Self-employed business owners whose tax returns don't reflect their real income — bank statement loans solve this problem.
• Real estate investors in Austin, San Antonio, and the RGV using DSCR loans to grow their portfolios without income verification headaches.
• High-income tech workers in Austin with RSU and equity compensation that most lenders don't know how to handle — I do.

My Philosophy

Mortgage lending is often unnecessarily complicated. I'm committed to making it simple. You'll always know where your loan stands, why it's moving the way it's moving, and what you need to do next. I don't leave clients in the dark.

I also believe in showing you the real numbers. Texas property taxes are among the highest in the country — they can add $400–$1,000 per month to your payment depending on the market. I build those into your pre-approval from day one. No surprises at closing.

When other lenders say no, I look for a different path. Non-QM programs, bank statement underwriting, alternative credit documentation, ITIN-specific products — these tools exist. I know how to use them.

The Big Mortgage — The Name

People ask about the name. Here's the truth: for most families, a mortgage is the biggest financial commitment they'll ever make. It's a big deal. I take that seriously every single day.

If you're ready to buy a home in Texas, let's talk. I'll give you a straight answer about what you qualify for, what it'll cost, and how we get you to closing.