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Homebuyers in Midland, Odessa & West Texas

You Get Your Home.
We Get the Mortgage Done.

Most first-time buyers aren't sure where to start, or whether they'll qualify at all. We start with a free numbers review: where you stand financially, what your down payment actually looks like, and exactly what to prepare for. From there, you can plan your next move with confidence.

Schedule Your Free Numbers Review→ Take the Free Readiness Quiz→
★★★★★

5.0 stars from 82 Google reviews

What Clients Say

5-Star Reputation. Here's Why.

★★★★★

"They made everything easy on us. Communication was perfect."

Peter Taveras
Homebuyer - Odessa, TX
★★★★★

"They ALWAYS kept me in the loop regarding what was going on and what I needed to do."

Mario Carrasco
First-Time Homebuyer - Midland, TX
★★★★★

"Frank and his team were so professional during our home loan process. It's the second time we have used them."

Andrea Duarte
Repeat Client - Step Up Buyer - Midland, TX
5.0
★★★★★
from 82 Google reviews

What First-Time Buyers Really Want to Know

The Real Questions
You're Asking

"Renters in Midland and Odessa are paying around $1,500 a month right now — roughly $18,000 a year that isn't going toward anything you'll ever own."

But most first-time buyers aren't asking "should I buy a home someday?" They're asking something much more specific.

Those aren't small questions. Guessing at the answers is what keeps people renting a year or two longer than they meant to.

You don't have to figure out the mortgage process on your own. We'll walk you through it.

Do I actually qualify, or does my income fall short?
Is my credit good enough, or does it need work first?
Is the down payment really 20%, or is that a number I picked up somewhere without checking?
What will my payment actually be once taxes and insurance are added in?
How much cash do I need on hand at closing — not just for the down payment?

"You explained every detail of how it worked."

Lizandra Raney
First-Time Homebuyer in Midland

Know Where You Stand. Then Decide What's Next.

Pick a time that works for you. Tell us where things stand.

No credit check required. You'll walk away knowing your estimated payment, your down payment, and clear next steps — so you're making decisions based on real numbers, not guesses.

First Home

Buying Your First Home

Know where you stand on buying power, estimated costs, and loan options before you start shopping.

New Construction

Building Your First Home

See where you stand before you sign anything with a builder. We've been Betenbough Homes' preferred lender in Midland for over two and a half years — we already know their process.

Not Ready Yet

Not Quite Ready Yet

Get a Homebuyer Readiness Roadmap that names exactly what to work on and when to check back in.

Schedule Your Free Numbers Review→

Start with a conversation. No obligation to apply.

"

They respond right away. Answer any questions you may have. Guide you through the entire process.

Lisa Jasso — Homebuyer - Midland, TX

What You'll Learn

Six Things You'll Know
Before You Make a Move

01

Know Where You Stand

A real estimate based on the income, debt, and credit range you share with us.

02

Understand Your Estimated Payment

Including taxes and insurance — not just principal and interest.

03

Know Your Down Payment & Cash Needed

Often less than the 20% most first-time buyers assume.

04

Understand Closing Costs

So the cash you need at the table isn't a surprise.

05

Compare Loan Programs

See at least two options side by side before choosing.

06

Know What's Next

A specific next step — whether that's applying now or working on one thing first.

Our Difference

Most lenders start with a credit check.
We start with a conversation.

Before rushing into qualification, we take the time to walk you through where you stand first — based on your unique situation. Then we review your numbers at four key stages.

If something ever changes — a rate, a fee, your loan amount — we'll tell you what it means. Nothing will surprise you at closing.

Schedule Your Free Numbers Review→

Start with a conversation. No obligation to apply.

1
Before You Apply
So you know what to expect going in.
2
After You're Pre-Qualified
To confirm the numbers still hold.
3
When You're Under Contract
Once you have a specific home and price.
4
Right Before Closing
So nothing about your final numbers catches you off guard.

What You'll See

See the Numbers Before
You Choose Your Mortgage

Based on that first conversation, we'll show you everything you need to make a real decision.

From Your Free Numbers Review

Side-by-Side Loan Options. Compare at least two loan programs — see the estimated payment and key differences.

Your Full Numbers Breakdown. Payment, down payment, closing costs, taxes, insurance, and cash needed — in one place.

Once You Apply

Your 5-Year Equity Projection. How your equity could build over five years, based on your actual loan structure. A projection, not a guarantee.

Credit Expert Analysis. A real look at your credit profile and the specific actions that may help — once we've pulled your report.

Schedule Your Free Numbers Review→

Start with a conversation. No obligation to apply.

Frank Perea
Cinthia Perea

The Team

Meet Frank, Cinthia, Bianca, and the Team Behind Your Experience

Frank Perea Cinthia Bianca

Frank Perea believes every buyer deserves understanding before pressure. Cinthia and Bianca — who many of our clients mention by name — are the ones answering your questions day to day, collecting documents, and keeping you updated.

Whether you're talking with Frank, Cinthia, or Bianca, our goal is the same: help you understand what's happening and what comes next.

Meet Our Team

How It Works

Your Path From Renting to Owning

1

Review

Schedule your free numbers review. Tell us your income, what you owe, what you've saved, and roughly where your credit stands. No credit check required.

2

Apply

We'll guide you through the application, including a credit check and gathering your income and asset documents.

3

Shop

Start shopping with a clear sense of your buying power and price range.

4

Close

Contract to closing usually takes about 30 days. Start to finish is typically 60 to 90 days.

Schedule Your Free Numbers Review→

Start with a conversation. No obligation to apply.

Before You Schedule

Questions Before You Call

Does this cost anything?+
No. The consultation, the numbers review, and the credit analysis are free.
Do I really need 20% down?+
Usually not. We'll tell you the real number for your situation.
What kind of loans do you offer?+
FHA, VA, Conventional, USDA, and First-Time Homebuyer Down Payment Assistance programs. Most buyers don't call already knowing which one they need — figuring out which program fits is part of your free numbers review.
What if my credit isn't great?+
On your free numbers review we'll talk through your credit range — no pull required. If you apply, we'll run a full Credit Expert Analysis on your actual report with specific next steps.
How long does this take?+
Contract to closing usually takes about 30 days. Start to finish, 60 to 90 days.
What if I'm not ready yet?+
We'll give you a Homebuyer Readiness Roadmap and a specific time to check back in.
Do you work in Spanish?+
Yes. Many of the families we work with prefer Spanish, and our team can help in both languages. Hablamos español.

Free Homebuyer Quiz

Find Out If You're Ready to Buy — In 2 Minutes

Answer a few quick questions about your income, credit, and savings to get a personalized readiness score and your next steps.

Ready When You Are

Ready to See If Homeownership
Could Be Right for You?

Start with a simple conversation. Tell us what you're thinking about.

Schedule Your Free Numbers Review→

No obligation to apply.

432-897-2299

Hablamos español.