• Prequalify Today

    (It Won't Affect Your Credit Score.)

    Prequalify

Why Prequalify Today?

Find out what your purchasing power is before you shop for a home!

Save Time.

When prequalifying for a home purchase before you start looking, you'll save time during the closing process.

Save $$$.

Let our loan professionals find the best program for you- this could help reduce your down payment and/or monthly mortgage payment.

Get More Home.

Instead of prequalifying for a home, prequalify for an amount. This way, you'll know exactly how much home you can afford and maximize your home purchase.

Peace of Mind.

There's nothing worse than not knowing if you can get approved for a home loan. Start today and let us help you find certainty on when you can buy, how much you can afford, and all of the other details when purchasing a home.

Find Out What You Qualify For Today!

Prequalify in 2 Minutes (won't affect your credit score)

Prequalify

The LCM Team

We're only as awesome as your home loan experience.

Chris La Cross

President, NMLS 330461

Chris La Cross

President, NMLS 330461

Liz Cantwell

Loan Officer, NMLS 346361

Liz Cantwell

Loan Officer, NMLS 346361

Jessica Pruneda Razo

Administrative Assistant

Jessica Pruneda Razo

Administrative Assistant

SlydePQ

Prequalify Master

SlydePQ

Prequalify Master

As the most awesome Prequalification System Ever (my opinion, of course), my job is to help you prequalify for a home loan quickly.

Get Prequalified Now

(This won't affect your credit score.)

First-Time Home Buyer

FHA / VA / USDA

500+ FICO

  • 2nd Chance Credit OK
  • Low Down Payment Avail.
  • VA Loan Eligible
  • FHA Loan Eligible
  • Recent Late Pmts.

Conventional

Fannie Mae | Freddie Mac

620 FICO

  • 3.5% Down Payment
  • FHA Eligible
  • VA Eligible
  • Rural Home Eligible
  • Renovation Loans OK!

Refinance

Cash Out or Rate Reduction

620+ FICO

  • Great Rates
  • Quick Closings
  • Purchase
  • Refinance
  • Flexible

2nd Home/Investment

We Have Both

640+ FICO

  • Investment Homes
  • 2nd Homes
  • Condos
  • Condotels (Yes!)
  • Summer Homes

Our Tools to Close Your Loan Quickly.

Bring in The Big Guns

Testimonials.

We appreciate all of our clients.

Chris La Cross was a very knowledgeable real estate professional. He was very helpful and supportive throughout the entire process of our home purchase loan. Chris made every effort to make this process flow smoothly and maintained an exceptional level of communication with prompt feedback and responsiveness. My husband and I highly recommend Chris La Cross.

castrillo5from Zillow.com

We closed on our first house with the help of Mr. La Cross. He was extremely helpful throughout he process. His knowledge, experience, and great customer services helped to make this experience very enjoyable! Thank You Mr La Cross, your service is second to none!

zaidiiviifrom Zillow.com

Chris and his team made our last refinance a breeze. They were not only very responsive when we had questions but they also were very diligent about the entire process. The best part about dealing with Chris is the friendly demeanor and helpful attitude that everyone in his office projects.At first I though our distance would be hinderance but we were able to complete the paperwork online then he gave us a list of local title companies to choose from for the closing.I referred my sister to Chris when she moved to town and she had the same wonderful experience when purchasing a home.

mnoel9from Zillow.com

Find a Great Loan Program Today.

2 minutes, won't affect your credit, Prequalify Today

Save time and find out exactly how much home you will qualify for today. Our system matches you with the perfect home loan for your situation and our team makes sure your experience is great.

Prequalify Now

Mortgage Question?

We want to answer it.

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NMLS 1584260

513 E. Jackson St., Harlingen, TX 78550

"CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A MORTGAGE Company OR A LICENSED MORTGAGE Company RESIDENTIAL MORTGAGE LOAN ORIGINATOR SHOULD COMPLETE AND SEND A COMPLAINT FORM TO THE TEXAS DEPARTMENT OF SAVINGS AND MORTGAGE LENDING, 2601 NORTH LAMAR, SUITE 201, AUSTIN, TEXAS 78705. COMPLAINT FORMS AND INSTRUCTIONS MAY BE OBTAINED FROM THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV. A TOLL-FREE CONSUMER HOTLINE IS AVAILABLE AT 1-877-276-5550. THE DEPARTMENT MAINTAINS A RECOVERY FUND TO MAKE PAYMENTS OF CERTAIN ACTUAL OUT OF POCKET DAMAGES SUSTAINED BY BORROWERS CAUSED BY ACTS OF LICENSED MORTGAGE Company and/or its employees. A WRITTEN APPLICATION FOR REIMBURSEMENT FROM THE RECOVERY FUND MUST BE FILED WITH AND INVESTIGATED BY THE DEPARTMENT PRIOR TO THE PAYMENT OF A CLAIM. FOR MORE INFORMATION ABOUT THE RECOVERY FUND, PLEASE CONSULT THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV."