Independent. Experienced. On your side. As a licensed mortgage broker in Texas, Kris shops 20+ wholesale lenders to find the loan that fits your life, not the one that is easiest to sell.
Licensed mortgage broker, verified through the Nationwide Multistate Licensing System
Licensed to originate mortgages statewide across all of Texas
Not tied to any single bank or lender. Access to 20+ wholesale lenders simultaneously
Approved TSAHC lender for Homes for Texas Heroes and Home Sweet Texas programs
Conventional, FHA, VA, USDA, Jumbo, Non-QM, DSCR, and specialty loan programs
Most transactions close in 21 days or less with proactive communication throughout
The Story
Aravian Financial was founded on a simple belief: the mortgage process should work for the borrower, not for the lender. Too many Texans walk into a bank, get offered whatever product that bank happens to carry, and never know they could have done better. That is the problem an independent broker solves.
As a broker, Kris is not employed by any bank or lender. There is no quota to fill, no product to push, and no pressure to steer you toward what is most profitable for the institution. Every recommendation is based on your situation, your goals, and what the market actually offers across 20+ wholesale lenders.
From first-time buyers in Katy to real estate investors in Houston, veterans using their VA benefit for the first time to self-employed borrowers who have been turned away by traditional banks, Kris works with Texas borrowers across every profile and life situation.
Why Aravian Financial
A bank offers its own products. A broker shops the market. Here is what that means in practice.
Wholesale lenders offer lower rates than retail banks because brokers bring volume. That savings goes to you, not a branch overhead budget.
One application goes out to 20+ lenders simultaneously. You get the most competitive offer in the market without submitting 20 separate applications.
Banks rarely offer Non-QM, DSCR, ITIN, or foreign national programs. As a broker, Kris has access to specialty lenders most borrowers never find on their own.
Kris handles your file personally. No call centers, no being transferred between departments, no explaining your situation twice. Direct access throughout.
Kris is compensated by lenders, not by which product you pick. The incentive is to find the best loan for your situation so you refer family and friends.
Most transactions close in 21 days. You receive a detailed loan estimate upfront. No surprises at closing. No hidden fees. No fine print games.