FINANCING SERVICES

Financing that works with your transaction — not against it

Financing is one of the most important parts of any real estate transaction, and when it is handled separately, it often creates delays, miscommunication, and unnecessary risk.

At Flowers Realty Services, your real estate and financing can be coordinated within the same team. As licensed real estate brokers and mortgage professionals, Derek and Marcia help align your pre-approval, home search, offer strategy, and closing timeline from the beginning.

This approach keeps your transaction organized, reduces back-and-forth between parties, and helps ensure everything stays on track from contract to closing.

Magnificent Mortgage Group
DBA of Flowers Realty Services LLC · Company NMLS #292201
Derek Flowers Sr. · NMLS #316713 · Licensed: TX · IL
Marcia Flowers · NMLS #316718 · Licensed: TX

Loan Programs

FHA

Insured by the Federal Housing Administration. Minimum 3.5% down payment with qualifying credit score. More flexible credit requirements than conventional loans. Mortgage insurance required.

VA

For eligible veterans, active duty service members, and surviving spouses. No down payment required. No private mortgage insurance. Competitive interest rates. Funding fee may apply (waived for certain veterans).

Conventional

Not government-backed. Down payment as low as 3% for qualifying buyers. PMI required if down payment is below 20%. Best rates for buyers with strong credit (720+). Conforming loan limits apply.

USDA

Zero down payment for eligible properties in qualifying rural and suburban areas of Texas. Income limits apply. Property must be in a USDA-eligible area. Guarantee fee replaces mortgage insurance.

DPA Programs

Texas offers multiple DPA programs including the Texas State Affordable Housing Corporation (TSAHC) and My First Texas Home programs. Income and purchase price limits apply. May be combined with FHA or conventional loans.

Refinance

Rate and term refinance, cash-out refinance, FHA Streamline, FHA Cash Out, FHA 203k, and HELOC options. We analyze your current loan, equity position, and market rates to determine whether refinancing makes financial sense for your situation.

Quick Payment Estimator

Calculate your estimated monthly payment with our mortgage calculator.

Ready to get pre-approved?

Apply online at justgotaloan.com — our dedicated mortgage portal — or contact us directly to discuss your financing options.

Magnificent Mortgage Group is a registered trade name (DBA) of Flowers Realty Services LLC · Company NMLS #292201 · Licensed mortgage broker in Texas and Illinois · Derek Flowers Sr. NMLS #316713 · TX · IL · Marcia Flowers NMLS #316718 · TX · This is not a commitment to lend · nmlsconsumeraccess.org