Empowering Homeownership, One Loan at a Time
At Flagstone Mortgage, we specialize in providing personalized mortgage solutions to individuals and families in the great state of Texas. With over 85 years of collective experience in the industry, our team of knowledgeable professionals is dedicated to helping you achieve your dream of homeownership. We understand the unique needs and challenges that homeowners in Texas face, and we're committed to providing tailored solutions that fit your financial goals.
Our Services
At Flagstone Mortgage, we offer a wide range of loan options to cater to your unique needs. From conventional, USDA, VA, and FHA loans to jumbo and hard money lending, we have the expertise to guide you through the mortgage process. Whether you're looking to purchase a new home or refinance your existing mortgage, our team is here to help.
The Mortgage Process
We understand that buying a home can be a daunting task, which is why we've simplified the process into five easy steps. Our process is designed to make the mortgage process seamless and stress-free, allowing you to focus on finding your dream home.
Step 1: Get Pre-Approved
The first step in purchasing a home is to get pre-approval. This involves applying for pre-approval, which is a thorough process that evaluates your income, assets, and creditworthiness. Our pre-approval process is quick and easy, and it will help you understand the exact amount of money you can borrow.
Step 2: Obtain Approval Letter
Once you're pre-approved, you can apply online to see if you're approved. If you're approved, we'll issue a prequalified approval letter that you can use to start searching for a home.
Step 3: Search for a Property
Now it's time to find your dream home! We recommend enlisting the services of a local real estate agent to help you navigate the homebuying process, especially if you're a first-time homebuyer.
Step 4: Underwrite Your Loan
In this stage, an underwriter takes a closer look at your financial and asset information to ensure that you meet the lender's requirements and can afford the mortgage you're applying for.
Step 5: Close the Deal
Once your loan is approved, we'll schedule a closing meeting where you'll have the chance to ask any last-minute questions about your loan. We'll guide you through the process of signing the loan documents and completing the final paperwork.
Why Choose Flagstone Mortgage?
At Flagstone Mortgage, we take a different approach than other mortgage companies. We prioritize education and personalized solutions, using common sense underwriting to ensure that your loan is tailored to your specific needs and financial situation.
Our Expertise
With over 85 years of combined experience in the industry, our team is dedicated to providing unparalleled service and expertise to our clients. We believe that our unique approach, combined with our extensive experience, sets us apart from other mortgage companies.
Our Achievements
At Flagstone Mortgage, we're proud of our achievements:
- $1.2 billion in loans processed
- 4.9-star customer rating
- 4,000+ loans processed
Why Choose Us?
We think that our commitment to personalized service, combined with our expertise and extensive experience, sets us apart from other mortgage companies. Whether you're looking to purchase a new home or refinance your existing mortgage, we're here to help.
Meet Our Team
Our team of knowledgeable professionals is dedicated to providing personalized solutions that fit your financial goals. With years of experience in the industry, we understand the unique needs and challenges that homeowners in Texas face.
Get Started Today
At Flagstone Mortgage, we're committed to making the mortgage process seamless and stress-free. Whether you're a first-time homebuyer or a seasoned homeowner, we're here to help. Contact us today to get started on your journey to homeownership.
Overall Experience
The majority of reviewers have had an excellent experience with Flagstone Financial, praising the team's professionalism, responsiveness, and expertise in guiding them through the home financing process.
Positive Aspects
Many reviewers appreciated the personalized attention and prompt communication they received from the team, particularly from Darren Smith. They also praised the team's ability to provide competitive rates and terms, and their willingness to work with clients to find the best solutions for their needs.
Negative Comments
One reviewer had a negative experience, citing pressure to refinance properties and losing money in the process. Another reviewer had some communication issues, feeling that they didn't receive sufficient updates on their closing date.
Team Performance
The Flagstone Financial team, led by Darren Smith, received high praise for their expertise, professionalism, and dedication to providing excellent customer service. Brian, another team member, was also commended for his promptness and ease of communication.
