Judith Linares
Mortgage Broker — Texas
Escoge tu camino en vez de navegar una pared de programas
Los buyers convierten más rápido cuando pueden identificarse solos. Elige tu lane y entra directo al mensaje correcto.
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.
Calculadora hipotecaria
Programa, plazo, tasa, impuestos y seguro en una sola vista.
* Caso ilustrativo solamente: precio de compra $450,000, 20% de inicial, tasa fija a 30 años, tasa de nota 6.750%, APR 6.982%, estimado con fecha de January 15, 2026.
La tasa, el APR, los impuestos, el seguro, el mortgage insurance, las reservas, el cash to close, los costos y los términos de aprobación pueden cambiar según crédito, ingreso, activos, propiedad, ocupación, documentación, mercado, overlays del lender y underwriting.
Esta calculadora es un estimate educativo. No es un Loan Estimate oficial, ni una decisión de crédito, ni una aprobación, ni un compromiso de préstamo. Antes de tomar decisiones, revisa el escenario con un profesional hipotecario licenciado y pide un Loan Estimate formal.
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.
Programas respaldados por relaciones wholesale sólidas.
Trabajamos con un grupo amplio de wholesale partners para resolver casos limpios y escenarios más complejos con mejor opcionalidad. Los productos y la disponibilidad varían según las guías del lender y la elegibilidad del borrower.
Para Mortgage Brokers
Una plataforma de alta confianza para Mortgage Brokers con experiencia. Sistemas compliance‑first, soporte operacional y tecnología para moverte más rápido sin sacrificar calidad. Para profesionales que quieren crecer con la infraestructura correcta.
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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