Aravian Financial delivers a refined mortgage experience, expert guidance, competitive rates, and a full suite of loan programs tailored to your life in Texas.
Your Situation
Whether you're a first-time buyer, a veteran, or looking to tap home equity , I have a solution built for your needs.
Low down payment options, assistance programs, and step-by-step guidance from application to close.
VA loans with $0 down and no PMI. Your service earned this benefit , let's put it to work for you.
Convert home equity into cash for renovations, debt payoff, or whatever matters most right now.
Loan Programs
As low as 3% down with flexible terms and no upfront mortgage insurance for qualifying buyers.
Learn more Government3.5% down with flexible credit requirements. The most popular option for first-time buyers.
Learn more Military$0 down, no PMI, competitive rates for veterans, active duty, and surviving spouses.
Learn more Rural100% financing on eligible Texas properties. No down payment required for qualifying areas.
Learn more High-ValueFinancing beyond conforming limits for luxury homes with competitive rates and flexible terms.
Learn more 62+Convert home equity to tax-free funds with no required monthly payment for homeowners 62+.
Learn more SpecialtyMedical professional programs, Non-QM, DSCR, and other tailored financing solutions for unique borrower profiles.
Learn moreThe Process
Getting a mortgage shouldn't feel like a mystery. Here's exactly what to expect when you work with me.
Answer a few quick questions , No credit pull required at this stage.
I shop 20+ lenders and present the best rates and programs for your situation.
Choose your loan, lock your rate, and I handle the paperwork end-to-end.
Close in as fast as 21 days and get the keys to your next chapter.
Your Broker
As an independent mortgage broker, I have access to over 20 wholesale lenders. That means more options, better pricing, and a loan tailored to your situation, not whatever a single bank happens to offer that week.
Based in Houston, TX, I specialize in residential purchase and refinance transactions across Texas, serving first-time buyers, veterans, growing families, and seniors exploring reverse mortgage options.
Client Stories
"Kris made buying our first home far less stressful than I expected. He explained everything clearly, found us a rate better than our bank offered, and we closed on time."
"As a veteran I wasn't sure anyone would take time to walk me through my VA benefits. Kris did exactly that. Zero down, a great rate, and a smooth process start to finish."
"We did a cash-out refi to renovate our kitchen. Kris handled everything and got us a rate we couldn't find anywhere else. Fast, painless, and exactly what he promised."
Mortgage Insights
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If you served, you earned one of the most powerful financial benefits available to any American: the VA home loan guarantee. Zero down payment. No private mortgage insurance. No loan limit with full entitlement. Competitive wholesale rates. And you can use it more than once.
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Texas has no state income tax — one of the biggest financial advantages of living here. But there is a trade-off, and it shows up directly in your mortgage payment: property taxes. Texas property tax rates are among the highest in the nation, and failing to account for them correctly is one of the most common budgeting mistakes first-time buyers make.
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For decades, 620 was the magic number. The minimum credit score to qualify for a conventional mortgage. In 2025, Fannie Mae removed that floor entirely — and Freddie Mac had already done the same years earlier. This is a meaningful shift for Texas buyers who have been told they do not qualify.
Get Started
No pressure. No commitment. Just honest answers about what you qualify for and what it will cost.
