Real Loans.
Real Guidance.
Built for Texas.
I'm Rodolfo Toscano — a bilingual mortgage loan officer serving the Rio Grande Valley, San Antonio, and Austin. FHA, VA, ITIN, DSCR, jumbo, bank statement — I find the right loan for your situation and get you to closing.
You work with me — not a call center.
I'm Rodolfo Toscano, NMLS #2248652. I was born and raised in the Rio Grande Valley, and I serve borrowers throughout South Texas — McAllen to Austin, Edinburg to San Antonio.
When you work with The Big Mortgage, you get my direct cell number. I answer my phone. I return calls the same day. I explain everything in plain English — and in Spanish if you prefer. No surprises. No runaround.
I specialize in the loans that matter most in South Texas: FHA for first-time buyers, VA for military families, ITIN loans for immigrant families, DSCR for investors, and bank statement loans for self-employed business owners. If there's a path to approval, I'll find it.
Loan Programs We Offer
From first-time FHA buyers to seasoned real estate investors — I have a loan program for your situation.
FHA Loans
The most forgiving path to homeownership in Texas.
First-time buyers, buyers with credit scores in the 580–659 range, borrowers with limited savings for down payment, and buyers using Texas DPA programs like TSAHC or TDHCA that layer on top of FHA.
VA Loans
Zero down. No PMI. Built for those who served.
Eligible veterans, active-duty service members, National Guard/Reserve members with qualifying service, and surviving spouses. VA loans are ideal for primary residence purchases and certain refinances.
Conventional Loans
For borrowers who've earned the best terms available.
Move-up buyers with equity from a prior sale, buyers with credit scores above 700, tech-sector buyers in Austin or growing San Antonio neighborhoods, and investors purchasing rental properties.
DSCR Loans
Qualify on rental income. Scale your Texas portfolio.
Active real estate investors with 2+ properties, self-employed investors whose tax returns show large depreciation losses, STR (Airbnb/VRBO) operators in Austin and San Antonio, and buy-and-hold investors building long-term rental portfolios.
Bank Statement Loans
Your bank account tells the story your tax return can't.
Self-employed borrowers, small business owners, contractors, restaurant operators, truckers, real estate investors with complex returns, and any borrower whose tax returns dramatically understate their actual income due to legitimate business deductions.
Jumbo Loans
High-value financing for Texas's most competitive markets.
High-income buyers in Austin's tech corridor, San Antonio's luxury market, and established suburban communities where homes regularly exceed conforming loan limits. Also works for self-employed executives needing bank statement jumbo options.
Non-QM Loans
When the traditional system says no — we have another path.
ITIN holders without a Social Security Number, foreign national buyers purchasing in Texas, borrowers with recent credit events (bankruptcy, foreclosure, short sale), asset depletion candidates (retirees with substantial assets but low income), and self-employed borrowers who do not fit FHA or conventional.
Serving Texas Homebuyers
From the Rio Grande Valley to Austin, I know the markets I serve — the neighborhoods, the property taxes, the lenders, and the local challenges.
Rio Grande Valley
First-time buyer heavy, strong ITIN/immigrant buyer demand, self-employed business owner community, military families at nearby bases
San Antonio
Military-heavy (JBSA), strong first-time buyer demand, growing tech and healthcare workforce, active investment market, Hill Country move-up buyers
Austin
High-income tech workforce, RSU/equity compensation complexity, active STR investor market, jumbo loan heavy, new construction suburbs growing fast
What Texas Families Say
These are real people I helped get into homes. Their words, not mine.
"I had an ITIN and everyone told me I couldn't buy a house. Rodolfo found me a lender who works with ITIN borrowers and I closed in 35 days. Now my family has a home in McAllen."
"We're active duty at Lackland and had no idea how to use our VA benefit. Rodolfo walked us through every step. We closed with zero down and no PMI — saving $400/month vs. renting."
"I'm a software engineer with most of my comp in RSUs. Most lenders had no idea how to count that income. Rodolfo knew exactly what to do. Closed on my dream home in Westlake."
Why Borrowers Choose The Big Mortgage
Pre-Approval in 24 Hours
Know what you're approved for before you start looking. I move fast because your time matters.
Direct Access to Me
My personal cell number. No call center. No voicemail black hole. Real answers from the person working your loan.
Bilingual — English & Spanish
I speak both fluently and serve clients in either language. No translation needed, no details lost.
I Know the Markets
Born in the RGV. I know McAllen, Edinburg, San Antonio, and Austin. I know which lenders work best in each market.
Full Payment Transparency
I show you the real number — PITI, not just P&I. Texas property taxes are real. I factor them in from the start.
Loans Others Won't Do
ITIN, DSCR, bank statement, jumbo, non-QM — if there's a program that fits your situation, I find it.
Mortgage Guides for Texas Buyers
Bank Statement Loans for Self-Employed Texans: How to Get a Mortgage Without Tax Returns
If you're self-employed and your tax returns don't reflect your real income, a bank statement loan might be your path to homeownership. Here's exactly how they work for Texas business owners.
First-Time Homebuyer Guide for Texas in 2025: FHA, Down Payment Assistance, and What to Expect
Buying your first home in Texas in 2025? Here's the complete roadmap — from checking your credit to closing day. Including the down payment assistance programs that most first-time buyers don't know about.
DSCR Loans for Texas Real Estate Investors: How to Qualify Without Personal Income
DSCR loans let Texas real estate investors qualify based on property cash flow — not personal income or tax returns. Here's how they work, what the numbers need to look like, and how Texas property taxes affect the calculation.
Ready to Find Your Loan?
Free consultation. Pre-approval in 24 hours. No obligation. I'll tell you exactly what you qualify for and what your real monthly payment will be.
NMLS #2248652 · Licensed in Texas · Response in 24 hours or less