Business Details
Your Trusted Mortgage Partner in Dallas, TX
Platinum Team Realty is a full-service mortgage lender dedicated to empowering clients through innovative financing solutions. With decades of combined experience, our team specializes in renovation loans, reverse mortgages, and tailored lending programs for diverse financial goals. We prioritize personalized service, leveraging expertise in conventional, FHA, VA, and jumbo loans to meet individual client needs. Our commitment to transparency ensures clients receive clear guidance on loan options, eligibility requirements, and closing processes.By focusing on after-repair value calculations and flexible disbursement methods, we help homeowners access equity for property improvements or retirement planning. The company maintains strict compliance with federal and state licensing standards while emphasizing community engagement and client education through localized resources and bilingual support.
Services
Renovation Loans
Reverse Mortgages
Conventional Loans
FHA Loans
VA Loans
Jumbo Loans
First-Time Buyer Programs
Investment Property Financing
Manufactured Home Loans
Down Payment Assistance
Highlights and features
- We offer 34 years of specialized experience in construction and government-backed loans
- Our team provides personalized renovation loan consultations with after-repair value analysis
- We maintain active licensing in 5 states with specialized reverse mortgage expertise
- Our proprietary rehab budget tool helps clients plan property improvement projects
- We offer ITIN/EAD loan programs for non-traditional borrowers
Associations and certifications
- NMLS
Services
Renovation Loans
Our renovation loans enable homeowners to finance property improvements through after-repair value calculations. These programs allow borrowers to incorporate repair costs into their mortgage, making it possible to purchase fixer-uppers or upgrade existing homes without draining savings. We offer specialized guidance on FHA 203(k), VA, and Fannie Mae HomeStyle options with flexible eligibility requirements.
Reverse Mortgages
Designed for homeowners aged 62+, reverse mortgages convert home equity into tax-free funds without monthly payments. Our counselors help clients understand loan terms, repayment triggers, and estate planning considerations while maintaining property ownership. We focus on financial flexibility for retirement planning and home modification needs.
First-Time Buyer Programs
We provide tailored mortgage solutions for first-time buyers including low down payment options, down payment assistance coordination, and educational resources. Our programs help clients navigate pre-approval processes, property selection, and closing requirements while meeting specific eligibility criteria for conventional and government-backed loans.
Investment Property Financing
Our investment property loans cater to real estate investors seeking financing for vacation homes, multi-unit properties, and long-term rentals. We offer specialized underwriting for cash flow analysis, property management considerations, and portfolio diversification strategies with competitive terms for qualified borrowers.
Manufactured Home Loans
We specialize in financing options for manufactured and modular homes, including site-built and factory-constructed properties. Our programs address unique underwriting requirements, land ownership considerations, and loan structure options to help clients achieve affordable homeownership in this housing market segment.
People
Heather Jacobs
Mortgage Loan Officer
With 34 years of experience in underwriting and loan origination, Heather specializes in construction lending and government programs across four states. She focuses on client education and tailored financing solutions.
Kathy White
Mortgage Loan Officer
Bringing decades of lending expertise, Kathy specializes in reverse mortgages and down payment assistance programs. Licensed in three states, she focuses on senior financial planning and community-based mortgage solutions.
Questions
What renovation loan programs do you offer?
We provide FHA 203(k), Fannie Mae HomeStyle, and VA renovation loan options with flexible eligibility requirements.
Can I live in my home during renovations?
Yes for cosmetic upgrades; major structural work may require temporary relocation, which we can finance.
How do reverse mortgages work?
Homeowners aged 62+ convert equity into cash with no monthly payments, retaining full property ownership.
What documentation is required for loan approval?
We need income verification, tax returns, bank statements, and property details for underwriting.
Do you offer loans for manufactured homes?
Yes, we specialize in financing for manufactured and modular housing through specific loan programs.
Can non-US residents qualify for mortgages?
We offer ITIN/EAD loan programs for qualified non-permanent residents with appropriate documentation.
