From McAllen to Brownsville — FHA, ITIN, VA, and more. Bilingual service. Local expertise.
The Rio Grande Valley is home. It's where my clients raise their families, start their businesses, and build their futures. I've helped hundreds of RGV families get into homes — first-time buyers using FHA loans with down payment assistance, self-employed business owners using bank statement loans, and ITIN holders who thought homeownership wasn't possible for them. It is possible. I make it happen every day right here in the Valley.
The RGV housing market moves fast in entry-level and mid-range price points. With median home prices still well below the Texas average, it's one of the most accessible markets in the state — but rising demand means buyers who aren't pre-approved get left behind. Hidalgo County property taxes run lower than Austin or San Antonio, which helps buyers qualify at lower incomes. That's a real advantage here.
Hidalgo County property taxes average around 2.1% of assessed value. On a $215,000 home that's roughly $4,500/year or $375/month — factored into your DTI. Still lower than Austin or Dallas, which helps you qualify for more home.
Working families earning $40K–$90K, first-generation homebuyers, ITIN holders, small business owners, Spanish-speaking households, military/veterans
Each program has specific advantages in the Rio Grande Valley market. Here's a quick overview — click any to see the full Rio Grande Valley-specific page.
Get into your first home with 3.5% down — down payment assistance may cover it all.
You served. Zero down, no PMI, competitive rates — you've earned this benefit.
Move-up buyers and investors — conventional financing opens doors FHA can't.
Qualify on rental income. No tax returns. Build your RGV portfolio.
Your business deposits tell the real income story. No tax returns required.
High-value home? We have jumbo financing above the conforming limit.
No Social Security number? You can still own a home in the Valley.
"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. I can't describe how that feels."
Active buying in all zip codes throughout the Rio Grande Valley metro area.
I know the Rio Grande Valley market inside and out. Free consultation — 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