# Tiana Ochoa Mortgages and Real Estate Services > Official Tiana Ochoa Mortgages and Real Estate Services business agent. Provides residential and commercial mortgage and real estate services for home… ## Ask it a question Tiana Ochoa Mortgages and Real Estate Services answers for itself at https://api.hailera.com/mcp/tianaochoamortgages. A client that speaks MCP can connect to that address; the tool is ask_tianaochoamortgages and the protocol is 2026-07-28. Where this file and the agent disagree, the agent is current. ## What Tiana Ochoa Mortgages and Real Estate Services does Overview of services Tiana Ochoa Mortgages and Real Estate Services offers mortgage and real estate financing solutions for a wide range of client needs: - Home purchase loans – for first-time buyers and repeat buyers. - Refinance loans – to help lower your rate, adjust your term or access equity. - Home equity / cash-out financing – to tap into the equity in your property (subject to eligibility and program rules). - Residential and commercial loans – for both home and qualifying commercial properties. - Primary residences, second homes and investment properties. Key mortgage loan programs *Tiana Ochoa Mortgages and Real Estate Services offers a variety of mortgage programs; eligibility depends on your specific situation and lender guidelines.* - FHA loans - VA loans - USDA loans - Conventional loans - Jumbo loans - Self-employed borrower programs using 12–24 months of bank statements - ITIN mortgage programs - Foreign national programs Certain criteria and restrictions apply to each program. Program availability and qualification requirements can change, so for current options you should contact the office directly. Home purchase loans - Support for buyers at different stages, including first-time buyers and move-up buyers. - Custom mortgage options based on your credit profile, income, property type and goals. Refinance loans - Options to refinance an existing mortgage, subject to qualification. - Focus on finding competitive rates and fees for your scenario. - Possible goals include lowering the monthly payment, changing the term, or accessing cash-out (where allowed). Home equity and cash-out - Cash-out and home-equity–type options are available on eligible properties and loan programs. - Whether this is appropriate depends on your equity position, credit profile and overall financial situation. For details on which program may fit your needs, customers should contact the office by phone or email, or start an online application to have their situation reviewed. Source: http://www.tianaochoamortgages.com ## Where Tiana Ochoa Mortgages and Real Estate Services works Lists Houston as a location. Names Texas as a service area. Areas beyond these are not published. ## How Tiana Ochoa Mortgages and Real Estate Services works with clients How to apply for a mortgage Tiana Ochoa Mortgages and Real Estate Services offers several ways to start your mortgage application or request a pre-approval. 1. Secure online application - You can submit a full, secure online application through the mortgage application portal: - The online application is required for a formal pre-approval. - Completing the application typically takes around 12 minutes, depending on how much information you have ready. - After you submit your application, someone from the office will contact you to review next steps. 2. Contact the office directly You can also start the process by contacting the office: - Phone: (713) 772-5363 - Email: tiana@tianaochoamortgages.com The team can help you understand which loan programs may fit your situation and what information you will need to provide. 3. Pre-qualification and calculators - The website offers interactive mortgage calculators to help you estimate payments and explore basic scenarios before you apply. - You can also use the site to start a secure loan application or request a pre-qualification review. For specific advice on your situation, or to confirm what you qualify for, you should speak directly with Tiana Ochoa Mortgages and Real Estate Services by phone, email, or through the secure online application. Source: http://www.tianaochoamortgages.com ## Hours and contact Contact information - Business name: Tiana Ochoa Mortgages and Real Estate Services - Phone: (713) 772-5363 - Email: tiana@tianaochoamortgages.com - Office address: 4614 East Freeway, Houston, Texas 77020 - Website: http://www.tianaochoamortgages.com - Company NMLS: 844491 - Individual NMLS (loan officer): 226746 - You can also look up the company in the NMLS Consumer Access portal at . Service focus - Local mortgage and real estate services based in Houston, Texas. - Supports home buyers, homeowners and real estate investors with purchase, refinance and home-equity financing needs. SMS consent and unsubscribing - When you enter your phone number on the website, you consent to receive SMS text messages related to your inquiry. - To unsubscribe from SMS messages, you can email tiana@tianaochoamortgages.com and request removal from the list. Source: http://www.tianaochoamortgages.com ## Documents needed for a mortgage application Documents commonly requested for a mortgage application The exact documentation required will depend on your situation and the specific loan program, but the list below summarizes the types of items that Tiana Ochoa Mortgages and Real Estate Services may ask you to provide, based on their published guidance. Property information - Signed purchase contract including all riders. - Proof or verification of the earnest money deposit you placed on the home. - Names, addresses and phone numbers of your real estate agents, builder, insurance agent and attorney (as applicable). - For condominiums: condominium declaration, by-laws and the most recent budget (if available). Income and employment For salaried or hourly employees: - Copies of pay stubs covering the most recent 30 days and showing year-to-date income. - W-2 forms for the past 2 years. - Names and addresses of all employers for the last 2 years. - Letter of explanation for any employment gaps in the last 2 years. - Copy (front and back) of any required work visa or green card, if applicable. If self-employed or you receive commission, bonus, interest/dividend or rental income: - Complete federal tax returns for the last 2 years, including all schedules and statements. - Year-to-date profit and loss (P&L) statement. - K-1s for all partnerships and S-corporations for the last 2 years (where ownership applies). - Business tax returns (Forms 1065, 1120, etc.) for the last 2 years if your ownership share is typically 25% or greater. If using alimony or child support to qualify: - Divorce decree and/or court order showing the required payment amount. - Evidence of receipt of funds over the recent period specified by underwriting guidelines. If you receive Social Security, disability or VA benefits: - Award letters or official documentation from the relevant agency. Assets, down payment and source of funds - For the sale of an existing home: signed sales contract and, at closing, a final settlement/closing statement. - Bank statements (checking, savings, money market) for the last 2–3 months. - Investment account statements (stocks, bonds, mutual funds) or copies of certificates, if using these funds. - Gift funds: a completed and signed gift letter/affidavit and proof of receipt of the funds into your account, if allowed by the loan program. Debts and other obligations - List of all current debts, including names, addresses, account numbers, balances and monthly payments, with recent statements for each. - Details for any mortgages or landlords from the last 2 years (names, addresses, account numbers, balances and monthly payments). - If you pay alimony or child support, copies of the court order or agreement documenting the obligation. Additional notes - Based on your specific application and credit report, you may be asked to provide additional documentation beyond what is listed here. - Providing requested documents promptly helps keep the loan process moving smoothly. If you have questions about which documents you personally need to provide, contact Tiana Ochoa Mortgages and Real Estate Services directly for guidance. Source: http://www.tianaochoamortgages.com ## Mortgage FAQs and education Frequently asked mortgage questions This document summarizes key questions and general information provided on the Tiana Ochoa Mortgages and Real Estate Services website. It is intended as general education only; for advice on your specific situation, contact the office directly. When should I consider refinancing? - Refinancing may make sense when current mortgage rates are approximately 2% lower than the rate on your existing loan. - In some cases, even a 1% difference or less can reduce your monthly payment enough to be worthwhile. - Whether refinancing is a good idea depends on your income, budget, loan amount, remaining term and how long you plan to keep the loan. What are points? - A point equals 1% of the loan amount (for example, one point on a $100,000 loan is $1,000). - Points are fees paid to the lender as part of getting a mortgage. - Discount points are paid up front to lower the interest rate on the mortgage. Should I pay points to lower my rate? - Paying discount points to lower your interest rate can reduce your monthly payment and may allow you to qualify for a larger loan. - This can make sense if you plan to keep the property for several years. - If you expect to sell or refinance again within a short time (e.g. 1–2 years), the upfront cost of points may not be fully recovered through monthly savings. What is APR? - APR (Annual Percentage Rate) reflects the total cost of a mortgage as a yearly rate, including interest and many loan-related fees. - APR is typically higher than the note rate because it includes points and certain other credit costs. - It is meant to help you compare the overall cost of different loans. - APR does not determine your monthly payment; payments are based on the note rate and loan term. What documents are typically needed for a loan application? The exact documentation depends on your situation and the loan program, but common items include: - Property-related documents: signed sales contract, proof of earnest money deposit, contact details for agents and attorneys, and (for condos) relevant association documents. - Income documents: recent pay stubs, W-2s for the last two years, employer contact information, and explanations for recent employment gaps. - Self-employed or variable income: full federal tax returns, profit-and-loss statements, K-1s and business returns where applicable. - Support income: divorce decrees or court orders and proof of receipt for alimony or child support if used to qualify. - Benefit income: award letters for Social Security, disability or VA benefits. - Assets and down payment: recent bank statements, investment account statements, documentation for funds from the sale of a home, and gift documentation if applicable. - Debts and obligations: statements for existing loans and credit accounts, and details on any alimony or child support you pay. How is my credit evaluated? - Lenders use credit scoring models (often FICO scores) that consider payment history, amounts owed versus credit limits, length of credit history, types of credit and recent credit inquiries. - FICO scores generally range from 350 (higher risk) to 850 (lower risk). - Keeping balances relatively low, paying on time and limiting new credit applications can help your credit profile over time. What is an appraisal? - An appraisal is an estimate of a property's fair market value. - It is usually performed by a state-licensed appraiser. - Lenders typically require an appraisal to confirm that the loan amount is appropriate for the value of the property being used as collateral. What is Private Mortgage Insurance (PMI)? - PMI is often required on conventional loans when your down payment is less than 20% of the purchase price. - PMI protects the lender if the borrower defaults. - Making a 20% or larger down payment, or using certain alternative financing structures, may avoid PMI (subject to program rules and qualification). What is 80-10-10 (or 80-15-5) financing? - These are split-loan structures used in some situations to reduce or avoid PMI. - Example: an 80-10-10 structure typically involves an 80% first mortgage, a 10% second mortgage, and a 10% cash down payment. - An 80-15-5 structure is similar but with a smaller cash down payment and a larger second mortgage. - These structures may involve higher rates or fees on the second mortgage and are not suitable for all borrowers. What happens at closing? - Closing (or funding) is when ownership of the property is officially transferred from the seller to the buyer. - It may involve the buyer, seller, real estate agents, attorneys, title/escrow representatives and others. - Many of the documents and funds are handled by the title or escrow company according to local practice. - Buyers typically complete a final walk-through inspection before closing to confirm agreed repairs are done and agreed items remain with the property. For explanations specific to your loan or property, contact Tiana Ochoa Mortgages and Real Estate Services directly. Source: http://www.tianaochoamortgages.com ## What Tiana Ochoa Mortgages and Real Estate Services has not published yet These are things people ask Tiana Ochoa Mortgages and Real Estate Services that its published information does not yet cover. - prices, interest rates, fees or closing costs - current loan availability or approval decisions - guaranteed loan approval or specific lending terms - timeframes to close or funding dates - tax advice or legal advice - future real estate or investment returns Ask anyway — the agent will say plainly that it is not published rather than guess. ## Where this comes from http://www.tianaochoamortgages.com