Business Details
18 Years
experience
Your Trusted Mortgage Partner in Texas
Family Home Loan Texas has been dedicated to serving Texas families since 2008, providing expert mortgage consulting and guidance tailored to individual needs. Our team specializes in simplifying the home loan process, offering no-cost pre-approvals and customized solutions for purchases, refinancing, and reverse mortgages. With a focus on conventional, FHA, VA, and jumbo loans, we prioritize understanding clients' financial goals to deliver personalized, long-term strategies. Our commitment to transparency and community involvement underscores our mission to build lasting relationships beyond mere transactions. 
Services
Home Purchase Loans
Refinance Options
Reverse Mortgages
Investment Property Loans
Second Home Financing
Details
- Year established: 2008
Highlights and features
- We offer personalized mortgage solutions tailored to your financial goals.
- Our team has over 15 years of combined experience in mortgage lending.
- We provide no-cost pre-approvals to simplify your home buying process.
- Specialized expertise in reverse mortgages and investment property loans.
- Community-focused service with a commitment to client education.
What people say
Expert financial advice
Patient and diligent
Smooth and simple process
Best interests at heart
Highly recommend
Services
Home Purchase Loans
We specialize in home purchase loans tailored to first-time buyers, families, and investors. Our services include conventional, FHA, VA, and jumbo loans with low down payment options. Our team guides clients through pre-approval and closing to ensure competitive rates and terms.
Refinance Options
Our refinance solutions help homeowners reduce monthly payments or access equity through rate/term and cash-out refinancing. We analyze market conditions to secure favorable rates while addressing debt consolidation or home improvement needs.
Reverse Mortgages
We offer federally backed reverse mortgages for seniors aged 62+, converting home equity into tax-free income. Our specialists explain HECM terms to support retirement planning, medical expenses, or educational investments with no monthly payments required.
Investment Property Loans
Our investment property loans cater to real estate investors seeking financing for rental or commercial properties. We provide tailored advice on loan types, down payments, and strategies to maximize returns while navigating complex underwriting requirements.
Second Home Financing
We assist clients in financing second homes, including vacation properties or college housing. Our team explains loan options that avoid commercial property costs while ensuring pre-approval for competitive offers in desired markets.
People
Rob Bramer
Loan Originator & Founder
Rob Bramer, a Dallas native with an MBA from Dallas Baptist University, has over 20 years of real estate experience. He specializes in home loans, refinancing, and reverse mortgages while actively supporting local charities like the Frisco Flyers and Down Syndrome Guild.
Wendy Bearden
Wendy Bearden brings extensive mortgage industry expertise to Family Home Loan Texas, focusing on client education and personalized loan solutions. Her background in financial consulting ensures clients receive strategic advice aligned with long-term goals.
John Cipriano
John Cipriano contributes to the team with specialized knowledge in investment property financing and complex loan structures. His client-centric approach emphasizes transparency and tailored guidance for first-time buyers and seasoned investors.
Questions
What mortgage services do you offer?
We provide home purchase loans, refinancing, reverse mortgages, investment property financing, and second home loans tailored to Texas residents.
How does a reverse mortgage work?
Reverse mortgages convert home equity into tax-free income for seniors 62+, with no monthly payments. Funds can supplement retirement or cover medical/educational expenses.
Can I refinance my current mortgage?
Yes! We offer rate/term refinancing to lower payments or cash-out refinancing to access equity for debt consolidation or home improvements.
What is the pre-approval process?
Our no-cost pre-approval evaluates your financial situation to determine loan eligibility, helping you make competitive offers with confidence.
Do you serve areas outside North Texas?
While based in North Texas, we serve clients statewide with personalized mortgage solutions for diverse housing needs.
