When it's time to get a mortgage loan, you should know the difference between a loan officer and a mortgage broker. A mortgage broker is an independent agent who secures financing through outside lenders. This means more options than the standard bank loan officer can offer. We find the lender who has the right program to fit your needs. Providing all types of residential lending including Conventional, FHA, VA, and USDA. We also offer first time home buyer programs such as THDA, where more information can be found at www.thda.org. We've also worked extensively with HUD properties and the HUD $100 down program.