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Loan Programs

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Homestyle Renovation

Purchase or refinance option for any renovation project such as design updates or improvements, and even renovating accessory units like in-law suites or basement apartments. HomeStyle Renovation is a conventional mortgage that lets borrowers finance improvements, renovations or repairs to a home at the time of purchase or as a refinance transaction—up to 75% of the as-completed appraised value of the property.*

 

*The limit on eligible renovation funds is up to 75% of the lesser of the purchase price plus renovation costs, or the “as-completed” appraised value for purchase transactions; and 75% of the “as-completed” appraised value for refinance transactions. For manufactured housing, the eligible renovation funds capped at the lesser of $50,000 or 50% of the “as-completed” appraised value. HomeStyle and HomeReady are registered trademarks of Fannie Mae.


Portfolio

Credit Unions can help you with a home loan that fits your needs. Credit Unions understand that loans are more about the person than the numbers; having a lower credit score or previous foreclosure doesn't have to be something that will automatically disqualify you. Qualifying is easier than you think and FocusOne can help.


100% Financing

  • Purchase transactions only

  • No down payment required

  • 3% seller contribution allowed

  • Primary residence one unit, SF and condo only

  • 30 year term, fixed rate or 5 year ARM only


Bank Statement Program

  • Conforming products only

  • Purchase or rate & term refinancing only

  • No mortgage insurance

  • Primary residence one unit, SF and condo only

  • 24 months of bank statements required


Purchase-Plus Improvement Loans

With Purchase-Plus Improvement loans you can borrow more than the sales price* of your new home to update the interior, get a new pool or the outdoor kitchen you've always wanted. We can help make your dreams into a reality.

 

*Apprisal value must support purchase plus improvements. 


Refi-Plus Renovation Loans

With our Refinance-Plus Renovation loans you have the opportunity to include a new pool, outdoor living or kitchen areas, interior kitchens, baths and flooring to be funded as part of the refinance of your existing loan without it being considered a Texas Cash-Out and up to a maximum LTV of 95% of appraised value*.

 

*Primary residences only. Rules and restrictions apply. Please contact a FocusOne Representative for more informaiton.


HomeReady® by Fannie Mae

For those first time home buyers with modest savings, HomeReady mortgage can be a great option.  Thanks to features like a low down payment, cancellable mortgage insurance* and more, homeownership can be affordable. Ask us if HomeReady mortgage is right for you. Find out more at MyHomeReady.com.

 

*Restrictions apply.


FHA Home Loans

The FHA Home Loan Program is a government insured mortgaged, allowing low down payment options for purchase and refinance transactions. These loans are a great option for first-time homebuyers with less than perfect credit. 

 

  • Fixed and ARM options available

  • Gift and sellers contributions allowed

  • 580 minimum FICO required (additional conditions may apply)

  • Purchase and refinance options available

  • HUD REO financing available


Cash Out Refinance Loans

As a homeowner, you can use your home's equity to leverage the value you've built through years of mortgage payments. 

  • Consolidate Debt and Reduce your outgoing cash flow

  • Take a Vacation

  • Home Improvement

  • Pay for college tuition and Expenses

  • Emergency Expenses

  • Wedding Expenses

  • Investment Opportunities

  • Business Expenses

  • Retirement Income

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A consumer wishing to file a complaint against a company or a residential mortgage loan originator should complete and send a complaint form to the Texas Department of Savings and Mortgage Lending, 2601 North Lamar, Suite 201, Austin, TX 78705. Complaint forms and instructions may be obtained from the department’s website at www.sml.texas.gov. A toll-free consumer hotline is available at 1 (877) 276-5550. 

The department maintains a recovery fund to make payments of certain actual out-of-pocket damages sustained by borrowers caused by acts of Licensed Residential Mortgage Loan Originators. A written application for reimbursement from the recovery fund must be filed with and investigated by the Department prior to the payment of a claim. For more information about the recovery fund, please consult the department’s website at www.sml.texas.gov.

© 2025. Equal Housing Lender. All rights reserved. FocusOne Mortgage, LLC, DBA FocusOne Mortgage Solutions. Office located at 9601 Jones Rd., suite 108, Houston, TX 77065. NMLS#105693.

FocusOne Mortgage, LLC  |  NMLS#105693

9601 Jones Road, Suite 108  |  Houston, TX 77065

(832) 912-2151  |  Questions@focusone.com

 

A consumer wishing to file a complaint against a company or a residential mortgage loan originator should complete and send a complaint form to the Texas Department of Savings and Mortgage Lending, 2601 North Lamar, Suite 201, Austin, TX 78705. Complaint forms and instructions may be obtained from the department’s website at www.sml.texas.gov. A toll-free consumer hotline is available at 1 (877) 276-5550. 

The department maintains a recovery fund to make payments of certain actual out-of-pocket damages sustained by borrowers caused by acts of Licensed Residential Mortgage Loan Originators. A written application for reimbursement from the recovery fund must be filed with and investigated by the Department prior to the payment of a claim. For more information about the recovery fund, please consult the department’s website at www.sml.texas.gov.

© 2025. Equal Housing Lender. All rights reserved. FocusOne Mortgage, LLC, DBA FocusOne Mortgage Solutions. Office located at 9601 Jones Rd., suite 108, Houston, TX 77065. NMLS#105693.