Nick Covington
I hold both a Texas real estate license and a mortgage loan originator license, and I use them on the same transaction. That is the whole idea.
Replace this section with your own story: how long you have been originating, your VA and self-employed specialties, volume or transaction count if you want to cite it, and why you added the second license. Two or three paragraphs. Specific beats polished.
Why two licenses instead of a referral partner
Most agents have a lender they refer to, and most lenders have agents they refer to. That relationship is usually fine and occasionally excellent. What it can never do is make the price negotiation and the loan structure a single decision, because two people with two sets of incentives are making them.
When one person does both, the offer gets written by someone who already knows how it underwrites, and the loan gets structured by someone who was in the room when the terms were negotiated. The compensation on the real estate side becomes something that can be pointed at your rate or your closing costs, rather than something that simply leaves the transaction.
How I work
Financing first. Before we look at a single house, we establish what payment you’re comfortable with, what that supports at today’s pricing across the programs you qualify for, and what the cash at closing looks like. Then we shop inside a range that already works, instead of finding a house and hoping.
Tell me your payment. I’ll build the plan around it.
Send the monthly number you’re comfortable with and I’ll come back with a purchase range, a loan program comparison, and what the BuyBorrow Advantage™ benefit looks like on your file.