Judith Linares
Mortgage Broker — Texas
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Para first-time buyers que necesitan claridad sobre pago, cash to close y qué hacer ahora.
Para homeowners que buscan bajar el pago, consolidar deudas o usar el equity con más inteligencia.
Para DSCR, rental, cash-out y estructuras orientadas a velocidad donde importa más la ejecución que el ruido.
Para partners que necesitan respuestas el mismo día, comunicación limpia y un lender que no desaparezca.
Una mejor página de broker debe responder una pregunta rápido: ¿por qué esta persona y no la siguiente?
Esta página abre con claridad, velocidad y el tipo de soporte que hace que borrowers y referral partners se sientan tranquilos en vez de confundidos.
- • Ha ayudado a clientes a entender su pago y el dinero necesario para cerrar antes de hacer una oferta.
- • Ha preparado expedientes listos para oferta que dieron más confianza al competir.
- • Ha reducido sorpresas de último minuto organizando documentos y tiempos desde el inicio.
- • Ha ayudado a inversionistas a revisar apalancamiento, reservas y estructura de pago antes de comprometer capital.
- • Ha reducido fricción detectando límites de las guías desde etapas tempranas de la operación.
- • Ha apoyado cierres más predecibles mediante una planificación más clara de escenarios.
- • Ha apoyado a agentes aliados con preaprobaciones más limpias y actualizaciones estructuradas.
- • Ha ayudado a reducir problemas de último minuto abordando la documentación antes.
- • Ha protegido la experiencia del cliente con comunicación clara y ejecución disciplinada.
La prueba pública importa. Aquí está el feedback asociado a este broker.
Primero credibilidad, después profundidad. Los resultados individuales varían.
Testimonios y reseñas reflejan experiencias individuales y pueden no ser representativos de todos los clientes. Los resultados varían.
La nueva calculadora estilo app vive por ahora en Lab. Guia al comprador paso a paso, calcula PMI/MIP, muestra contexto tipo APR y termina con un escenario de pago amarrado al booking de este broker.
La persona detrás del consejo
Capacidad técnica, comunicación humana y contexto real del broker.
Mortgage Broker en Premier Mortgage Advisors, LLC con enfoque en comunicación clara, análisis de escenarios, seguimiento disciplinado y un camino más ordenado desde la consulta hasta el cierre. Trabaja con compradores, propietarios, inversionistas y agentes aliados para ayudar a sus clientes a entender mejor su pago, el dinero necesario para cerrar, la documentación y los próximos pasos.
Inglés, Español
Licenciado en Florida y Texas. Para escenarios fuera de FL/TX, la disponibilidad varía según el estado y el programa.
Formación continua en guías de préstamo, análisis de riesgo, cumplimiento y comunicación con clientes.
Programas y opciones que podemos explorar
Dos programas por bloque. Rápido de escanear y fácil de comparar.
Florida & Texas focus Parte 1
Work with Judith Linares on purchase, refinance, and investment scenarios — with…
- Fast scenario reviews with clean next steps
- Offer-ready pre-approval strategies
- Primary, second home, and investment options
Florida & Texas focus Parte 2
Work with Judith Linares on purchase, refinance, and investment scenarios — with…
- Education-first communication (no hype, no pressure)
FHA
A common path for first-time buyers and credit-building situations.
- Flexible underwriting compared to many conventional options
- Down payment options may be available (ask about DPA)
- Manual underwriting may be possible in some scenarios (guidelines apply)
Conventional
Great fit for strong credit, strong assets, and clean documentation.
- Standard conventional, HomeReady® and Home Possible® scenarios
- Primary, second home, and investment (guidelines apply)
- Down payment options may be available (ask about grant-style DPA)
Down payment assistance (DPA)
Multiple DPA structures exist — the details matter.
- Some options are forgiven at closing; others are repayable over time
- Eligibility rules vary by program (credit, income, occupancy, property…
- We verify program fit early — before you write an offer
DSCR investment loans
For investors focused on property cash flow (guidelines apply).
- Common for 1–4 unit rentals
- Short-term rental income may be acceptable with the right documentation
- Scenario review depends on property type, LTV, reserves, and DSCR approach
Bank statement income (Non-QM)
For self-employed borrowers when traditional documentation is not the best fit.
- Business or personal bank statement options may be available
- Expense factor rules vary (standard expense vs accountant letter options)
- Loan amounts and LTV depend on credit, reserves, and documentation quality
Fix & Flip / renovation financing
Business-purpose strategies for investors (guidelines apply).
- Common for purchase + rehab timelines
- Often designed for speed and execution (not long-term hold)
- Terms vary by experience, project scope, and collateral
In-House Grant DPA Parte 1
Grant-style DPA options on Conventional and FHA (guidelines apply).
- Conventional: 1%, 2%, or 3% of purchase price (HomeReady® / Home…
- FHA: 2% or 3.5% of purchase price
- No second lien — DTI is not affected
In-House Grant DPA Parte 2
Grant-style DPA options on Conventional and FHA (guidelines apply).
- Forgiven at escrow
- First-time homebuyer allowed but NOT required
- Minimum FICO: 620 (Conventional), 640 (FHA) — manual UW may be allowed…
In-House Grant DPA Parte 3
Grant-style DPA options on Conventional and FHA (guidelines apply).
- Multiwides allowed (max LTV 95%)
- Does not run out of funds
- Lender-paid and borrower-paid compensation allowed
Boost FHA DPA Parte 1
Repayable or forgivable structures depending on option (guidelines apply).
- 3.5% and 5% repayable option (amortized over 15 years)
- Second lien rate is typically 2% higher than the first-lien note rate
- 3.5% forgivable after 60 consecutive payments on the first lien (silent…
Boost FHA DPA Parte 2
Repayable or forgivable structures depending on option (guidelines apply).
- Minimum FICO: 640 (manual UW may be allowed 640+)
- No income limits
- DTI per AUS when approved/eligible (600+)
Boost FHA DPA Parte 3
Repayable or forgivable structures depending on option (guidelines apply).
- Does not run out of funds
- Lender-paid and borrower-paid compensation allowed
Aurora FHA DPA Parte 1
A distinct FHA DPA option (availability varies by state).
- 3.5% and 5% repayable option (second lien typically 2% higher than first)
- 3.5% forgivable option (does not affect DTI)
- Available in Washington
Aurora FHA DPA Parte 2
A distinct FHA DPA option (availability varies by state).
- Minimum FICO: 600 (manual UW min 600)
- DTI per AUS when approved/eligible
- Manual UW max DTI 40/50
Aurora FHA DPA Parte 3
A distinct FHA DPA option (availability varies by state).
- Does not run out of funds
Miami‑Dade HAP (2026 update)
Miami‑Dade County down payment assistance program (eligibility rules apply).
- Deferred second mortgage to help cover down payment
- Designed for eligible primary residence homebuyers
- County and program requirements can change — we verify current rules…
Doctor / medical professional 100% financing Parte 1
A specialty program structure some lenders offer (guidelines apply).
- Up to $2,000,000 loan amount with 760 FICO (example guideline)
- 100% financing (no down payment) in eligible scenarios
- Student loans may be excluded in some cases (program rules apply)
Doctor / medical professional 100% financing Parte 2
A specialty program structure some lenders offer (guidelines apply).
- No mortgage insurance (MI) in certain structures
- Borrower does not have to be a doctor — other medical professionals may…
- Available in ARM and fixed-rate options (availability varies)
Non‑QM: Standard documentation Parte 1
A Non‑QM track with standard income documentation (guidelines apply).
- Minimum 620 FICO (example guideline) — up to 90% LTV
- No tradeline requirement with 3 credit scores
- Non‑permanent residents up to 90% LTV
Non‑QM: Standard documentation Parte 2
A Non‑QM track with standard income documentation (guidelines apply).
- DTI up to 55%
- Unlimited cash‑in‑hand (program-specific)
- Cash‑out can be used for reserves (program-specific)
Non‑QM: Standard documentation Parte 3
A Non‑QM track with standard income documentation (guidelines apply).
- Eligible properties can include SFR, condos, studios, 2–4 units, and some…
- Loan amounts up to $4,000,000
Non‑QM: Bank statements Parte 1
Self‑employed income analysis using bank statements (guidelines apply).
- Minimum 620 FICO (example guideline) — up to 90% LTV
- No tradeline requirement with 3 credit scores
- Business or personal bank statements
Non‑QM: Bank statements Parte 2
Self‑employed income analysis using bank statements (guidelines apply).
- 50% standard expense option
- Minimum 10% expense with accountant letter (where allowed)
- Non‑permanent residents up to 90% LTV
Non‑QM: Bank statements Parte 3
Self‑employed income analysis using bank statements (guidelines apply).
- Unlimited cash‑in‑hand (program-specific)
- 3‑month cash‑out seasoning may be allowed
- Cash‑out can be used for reserves (program-specific)
Non‑QM: Bank statements Parte 4
Self‑employed income analysis using bank statements (guidelines apply).
- Eligible properties can include SFR, condos, studios, 2–4 units, and some…
- Loan amounts up to $4,000,000
Non‑QM: Profit & loss only Parte 1
For self‑employed borrowers where bank statements are not used (guidelines apply).
- Minimum 660 FICO (example guideline) — up to 80% LTV
- No tradeline requirement with 3 credit scores
- No bank statements
Non‑QM: Profit & loss only Parte 2
For self‑employed borrowers where bank statements are not used (guidelines apply).
- 12 or 24 months accepted
- Non‑permanent residents up to 80% LTV
- Unlimited cash‑in‑hand (program-specific)
Non‑QM: Profit & loss only Parte 3
For self‑employed borrowers where bank statements are not used (guidelines apply).
- Cash‑out can be used for reserves (program-specific)
- 3‑month cash‑out seasoning may be allowed
- Eligible properties can include SFR, condos, studios, 2–4 units, and some…
Non‑QM: Profit & loss only Parte 4
For self‑employed borrowers where bank statements are not used (guidelines apply).
- Loan amounts up to $3,000,000
- CPA / EA / CTEC / PTIN documentation (where required)
Non‑QM: Asset utilization Parte 1
Using verified assets to support qualifying income (guidelines apply).
- Minimum 640 FICO (example guideline) — up to 85% LTV
- No tradeline requirement with 3 credit scores
- Non‑permanent residents up to 80% LTV
Non‑QM: Asset utilization Parte 2
Using verified assets to support qualifying income (guidelines apply).
- Unlimited cash‑in‑hand (program-specific)
- Cash‑out can be used for reserves (program-specific)
- Eligible properties can include SFR, condos, studios, 2–4 units, and some…
Non‑QM: Asset utilization Parte 3
Using verified assets to support qualifying income (guidelines apply).
- Loan amounts up to $4,000,000
- 100% of checking / savings / money market may be eligible
- 70% of stocks / bonds / mutual funds may be eligible
Non‑QM: Asset utilization Parte 4
Using verified assets to support qualifying income (guidelines apply).
- Asset utilization often divides eligible assets by 84 months (example)
DSCR (1–4 units) Parte 1
Investor programs focused on property cash flow (guidelines apply).
- Minimum 620 FICO (example guideline) — up to 80% LTV
- No deposit sourcing (program-specific)
- No minimum DSCR ratio up to 75% LTV (program-specific)
DSCR (1–4 units) Parte 2
Investor programs focused on property cash flow (guidelines apply).
- No tradeline requirement with 3 credit scores
- Unlimited cash‑in‑hand at ≤65% LTV (program-specific)
- SFR, condos, 2–4 units up to 80% LTV
DSCR (1–4 units) Parte 3
Investor programs focused on property cash flow (guidelines apply).
- Condotels and studios up to 75% LTV
- 2 months reserves (example guideline)
- 3‑month cash‑out seasoning (example guideline)
DSCR (1–4 units) Parte 4
Investor programs focused on property cash flow (guidelines apply).
- Cash‑out can be used for reserves (program-specific)
- Short‑term rental income may be accepted (AIRDNA / STR docs, where…
- Loan amounts up to $3,500,000
DSCR (1–4 units) Parte 5
Investor programs focused on property cash flow (guidelines apply).
- Vacant properties may be allowed (program-specific)
- Rural properties up to 20 acres may be allowed (program-specific)
DSCR (5–8 units & mixed use 2–8) Parte 1
For larger rentals and mixed-use when guidelines fit (business purpose).
- Minimum 700 FICO (example guideline) — up to 75% LTV
- No deposit sourcing (program-specific)
- Minimum DSCR of 1.00 (example guideline)
DSCR (5–8 units & mixed use 2–8) Parte 2
For larger rentals and mixed-use when guidelines fit (business purpose).
- No tradeline requirement with 3 credit scores
- $1,000,000 cash‑in‑hand (example guideline)
- Cash‑out up to 65% LTV (example guideline)
DSCR (5–8 units & mixed use 2–8) Parte 3
For larger rentals and mixed-use when guidelines fit (business purpose).
- Commercial space < 50% may be allowed
- Loan amounts up to $2,000,000
Foreign national / ITIN scenarios Parte 1
For borrowers without a traditional U.S. credit footprint (guidelines apply).
- No FICO or 680 FICO options may exist (program-specific) — up to 80% LTV
- Bank statement and P&L options up to 80% LTV
- DSCR ≥ 1 up to 75% LTV (program-specific)
Foreign national / ITIN scenarios Parte 2
For borrowers without a traditional U.S. credit footprint (guidelines apply).
- No DSCR ratio up to 65% LTV (program-specific)
- 6 months reserves (example guideline)
- No deposit sourcing (program-specific)
Foreign national / ITIN scenarios Parte 3
For borrowers without a traditional U.S. credit footprint (guidelines apply).
- No credit reference letters (program-specific)
- No asset seasoning in U.S. account (program-specific)
- No visa may be required (program-specific)
Foreign national / ITIN scenarios Parte 4
For borrowers without a traditional U.S. credit footprint (guidelines apply).
- Loan amounts up to $1,500,000
- Condotels, studios, condos, 2–4 units up to 70% LTV
- ITIN borrowers may be allowed (program-specific)
1099 only Parte 1
Income documentation based on 1099s or transcripts (guidelines apply).
- Minimum 620 FICO (example guideline) — up to 90% LTV
- No tradeline requirement with 3 credit scores
- 1 or 2 years of 1099s or transcripts
1099 only Parte 2
Income documentation based on 1099s or transcripts (guidelines apply).
- 12/24‑month average minus expense ratio
- Non‑permanent residents up to 80% LTV
- Unlimited cash‑in‑hand (program-specific)
1099 only Parte 3
Income documentation based on 1099s or transcripts (guidelines apply).
- 3‑month cash‑out seasoning may be allowed
- Cash‑out can be used for reserves (program-specific)
- Eligible properties can include SFR, condos, studios, 2–4 units, and some…
1099 only Parte 4
Income documentation based on 1099s or transcripts (guidelines apply).
- Loan amounts up to $4,000,000
WVOE only Parte 1
Work verification in lieu of traditional income docs (guidelines apply).
- Minimum 660 FICO (example guideline) — up to 80% LTV
- No tradeline requirement with 3 credit scores
- No tax return, W‑2, or paystubs (program-specific)
WVOE only Parte 2
Work verification in lieu of traditional income docs (guidelines apply).
- Non‑permanent residents up to 80% LTV
- Unlimited cash‑in‑hand (program-specific)
- Cash‑out can be used for reserves (program-specific)
WVOE only Parte 3
Work verification in lieu of traditional income docs (guidelines apply).
- Eligible properties can include SFR, condos, 2–4 units, and some condotels
- Loan amounts up to $3,000,000
- 2 months bank statements required (example guideline)
Cross collateral Parte 1
Using multiple properties as collateral (guidelines apply).
- Minimum 660 FICO (example guideline) — up to 70% LTV
- No deposit sourcing (program-specific)
- Minimum DSCR of 1.20 (example guideline)
Cross collateral Parte 2
Using multiple properties as collateral (guidelines apply).
- No tradeline requirement with 3 credit scores
- Unlimited cash‑in‑hand (program-specific)
- Minimum per-property balance $50,000 (example guideline)
Cross collateral Parte 3
Using multiple properties as collateral (guidelines apply).
- Minimum of 3 properties; maximum of 25 properties (example guideline)
- Cash‑out up to 65% LTV (example guideline)
Closed-end second (HELOAN) Parte 1
Second-lien options for cash-out or consolidation (guidelines apply).
- Minimum 660 FICO (example guideline) — up to 90% CLTV
- Loan amounts up to $500,000 (example guideline)
- Combined loan amount up to $5,000,000 (example guideline)
Closed-end second (HELOAN) Parte 2
Second-lien options for cash-out or consolidation (guidelines apply).
- Income types can include standard doc, bank statements, P&L, WVOE, and…
- Primary, second homes, and investment options may be available
- AVM-only may be available for loan amounts under $250,000…
Closed-end second (HELOAN) Parte 3
Second-lien options for cash-out or consolidation (guidelines apply).
- Non‑permanent residents may be allowed (program-specific)
Owner-occupied vs business-purpose
A simple map of what is commonly allowed (guidelines vary).
- Owner occupied: Standard doc, Bank Statements, P&L Only, WVOE Only, 1099…
- Business purpose: Standard doc, Bank Statements, P&L Only, 1099 Only…
Conforming loan limits (CY2026) Parte 1
Baseline conforming limits (most counties in FL & TX).
- 1‑unit: $832,750
- 2‑unit: $1,066,250
- 3‑unit: $1,288,800
Conforming loan limits (CY2026) Parte 2
Baseline conforming limits (most counties in FL & TX).
- 4‑unit: $1,601,750
FHA loan limits in Florida (CY2026) Parte 1
Selected counties (1–4 units). If your county differs, we confirm the exact limit.
- Miami‑Dade (Miami): $667,000 / $853,900 / $1,032,150 / $1,282,700
- Broward (Fort Lauderdale): $667,000 / $853,900 / $1,032,150 / $1,282,700
- Palm Beach (West Palm Beach): $667,000 / $853,900 / $1,032,150 /…
FHA loan limits in Florida (CY2026) Parte 2
Selected counties (1–4 units). If your county differs, we confirm the exact limit.
- Collier (Naples): $764,750 / $979,000 / $1,183,400 / $1,470,700
- Lee (Fort Myers): $541,287 / $693,050 / $837,700 / $1,041,125
- Duval (Jacksonville): $580,750 / $743,450 / $898,700 / $1,116,850
FHA loan limits in Florida (CY2026) Parte 3
Selected counties (1–4 units). If your county differs, we confirm the exact limit.
- St. Lucie (Port St. Lucie): $603,750 / $772,050 / $933,050 / $1,159,950
- Hillsborough (Tampa): $541,287 / $693,050 / $837,700 / $1,041,125
- Orange County: $541,287 / $693,050 / $837,700 / $1,041,125
FHA loan limits in Texas (CY2026)
Selected counties (1–4 units). We confirm the limit by property address.
- Harris (Houston): $541,287 / $693,050 / $837,700 / $1,041,125
- Fort Bend (Katy / Sugar Land): $541,287 / $693,050 / $837,700 / $1,041,125
- Dallas (Dallas): $563,500 / $721,400 / $872,000 / $1,083,650
Próximo paso
Revisamos el escenario correcto antes de escribir oferta o mover el file.
- Compra, refinance e inversión con estructura.
- Comparaciones rápidas antes de perder tiempo.
- Más claridad para decidir.
- Un siguiente paso concreto.
Los programas se muestran con fines educativos y pueden variar por lender, tipo de propiedad y elegibilidad del cliente. Todo está sujeto a underwriting. Tasas, términos y guías pueden cambiar sin aviso.
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Licenciados en Florida y Texas
Además de Florida y Texas, también podemos ayudarte en otros estados a través de nuestra red de partner referrals para compra, refinanciamiento e inversión.
Florida y Texas significan licencia directa y presencia local de PMA. En los demás estados también podemos ayudarte con compra de vivienda principal, refinanciamiento e inversión a través de nuestra red de partner referrals.
Agenda en minutos
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