Conventional Loans
Popular financing for primary homes, second homes, and qualifying investment properties. Fixed- and adjustable-rate options may be available; down payment and mortgage insurance requirements vary.
The Right Mortgage for Your Next Chapter
From your first home to investment properties and retirement, explore financing options tailored to your goals.
Start Your Application →Our Mortgage Programs
Program availability and eligibility depend on lender guidelines, property, credit, income, and other factors.
FHA Loans
Government-insured mortgages with low down-payment options and flexible qualifying guidelines. FHA mortgage insurance generally applies.
VA Loans
For eligible veterans, active-duty service members, and certain surviving spouses. Eligible borrowers may qualify for no down payment; a VA funding fee may apply.
USDA Loans
Potential zero-down financing for eligible borrowers buying qualifying homes in USDA-eligible areas, subject to income and other rules.
Jumbo Loans
Financing for homes requiring loan amounts above conforming limits, often with more extensive documentation and reserve requirements.
DSCR Investor Loans
Investment-property financing that may use the property's rental cash flow relative to debt payments rather than traditional personal income qualification.
Reverse Mortgages
For eligible older homeowners, reverse mortgages can convert home equity into accessible funds. Borrowers remain responsible for property taxes, insurance, maintenance, and other loan obligations; counseling may be required.
HELOCs
A revolving line of credit secured by home equity, often with variable interest rates and a draw period followed by repayment.
Home Equity Loans
Borrow a lump sum against available home equity, typically with scheduled monthly repayment.
Refinance & Cash-Out
Replace an existing mortgage to change its terms or, if eligible, access equity. Closing costs and total interest should be considered.
Renovation & Construction
Financing options may help fund home improvements or construction, subject to project and lender requirements.
Non-QM / Bank Statement
Alternative documentation programs may serve qualifying self-employed borrowers and others whose finances do not fit standard underwriting.
How It Works
1. Apply securely
Use the secure lender application portal.
2. Review options
Discuss eligibility, payments, costs, and loan terms.
3. Move toward closing
Provide documents, complete underwriting, and prepare for closing.
Ready to Apply?
To protect your information, mortgage applications should be completed through a secure, compliant loan origination portal—not an ordinary website contact form.
Application website connected.
Click below to visit Jim Hays’s mortgage website. Confirm that the destination provides a secure application form before entering personal financial information.
Visit Application WebsiteContact Cross Oak Mortgage LLC
Jim Hays · Mortgage Loan Originator · NMLS #2009389
Call: 214-207-9682
Contact Jim to discuss available mortgage options or request information about applying. Please do not send Social Security numbers or other sensitive financial information by ordinary email or text.