We shop rates so you don't have too!
At Palm Lending, we are dedicated to helping Texas families achieve their homeownership dreams. With over 20 years of experience, we understand that every client's needs and long-term goals are unique. That's why we take a consultative approach to provide personalized financing solutions that fit our clients' lifestyles. We are committed to outstanding customer service and being available and transparent throughout the entire process. Our goal is to position you to get the "best deal" with the least amount of headaches.
Our Services
We offer a wide range of loan products to suit our clients' diverse needs. Our services include:
- Conventional Mortgage Loans
- Reverse Mortgages (HECM)
- First Time Home Buyer Loans
- Investment Property Purchase Loans
- Debt Consolidation Loans
- Home Equity Loans
- Veteran Home Purchase Loans
- Rural Home Purchase Loans
- Home Renovation Loans
- Low and No Downpayment Home Purchase Loans
- Self-Employed Purchase Loans
- Fix and Flip Investment Property Loans
Our Commitment
At Palm Lending, we understand that buying a home can be a stressful, frustrating, emotional, and scary experience. That's why we are committed to providing our clients with a magical and truly rewarding experience. Our team of experts will be by your side throughout the entire process, from pre-approval to closing, ensuring that you have a smooth and seamless experience.
We are proud to offer a lowest interest rate guarantee. We run a very lean set of books and don't lend our own money. Instead, we lend other lenders, banks, and credit unions' money. This allows us to offer our clients the same rates offered to us, making us one of the most competitive mortgage companies in the industry.
Our Values
At Palm Lending, we believe in building long-lasting relationships with our clients based on trust, transparency, and exceptional service. We understand that our clients are not just transactions, but real people with real dreams and aspirations. That's why we take the time to understand our clients' unique situations and provide them with personalized financing solutions that fit their needs.
Affordability
One of the biggest frustrations most first-time homebuyers express is the painful reality that what they can afford is not what they want. Or that what they want they cannot afford. At Palm Lending, we understand the importance of affordability. We work with our clients to find affordable options that fit their budgets.
Cash is Still King
At Palm Lending, we believe in responsible lending practices. We recommend our clients have a minimum of 3 months of mortgage payments in reserves to avoid first payment default risk. We believe that cash is still king, and having reserves or savings at the time of closing is essential.
Buyer BEWARE
At Palm Lending, we believe that our clients are their best advocates. We encourage our clients to be advocates for themselves throughout the home buying process. We believe in building long-lasting relationships based on trust, transparency, and exceptional service. We believe in asking realtors, lenders, inspectors, and appraisers to provide fair and reasonable pricing, rather than trying to negotiate a price less than the seller is offering it for sale.
Lending Services
The reviews highlight the exceptional services provided by various lenders, including Palm Lending and Axia Home Loans. The common thread among the reviews is the professionalism, responsiveness, and expertise of the lenders. Many reviewers praised the lenders for their attention to detail, keeping them informed throughout the process, and providing excellent customer service.
Partners and Staff
The reviews also highlight the importance of the lenders' partnerships and staff. Many reviewers mentioned the excellent service they received from specific lenders, such as Chris, Doug, Matt, Travis, and Jason. These lenders were praised for their responsiveness, expertise, and ability to handle complex transactions.
Services
The reviewers praised the lenders for their ability to deliver results, including refinancing, purchasing, and building homes. The reviews highlight the lenders' ability to navigate complex transactions and deliver positive outcomes for their clients.
