Find the right mortgage for your next chapter.
Willow Bend Mortgage offers FHA, VA, USDA, and conventional home loans along with down payment assistance programs for first time homebuyers across Brownsville, Harlingen, McAllen, and the Rio Grande Valley.
Our Story
Local roots. Trusted guidance. Clear loan options.
Willow Bend Mortgage, has helped families across the Rio Grande Valley purchase, build, and refinance homes for decades. As a local, relationship‑driven lender, we combine in‑market expertise with competitive national products so you never have to choose between personal service and great terms.
From your first conversation to closing day, you work with real people who know and understand the guidelines, South Texas property nuances, and the full spectrum of loan programs offered through
Willow Bend Mortgage—so you get accurate
answers the first time.
*Program availability, terms, and rates are subject to change and may vary based on your individual qualifications.
Quick, easy pre-approval
Get pre-approved fast with a simple application so you can confidently start your home search knowing exactly what you qualify for.
Mortgage options that fit YOU
We offer more than traditional loans. From FHA and conventional to non-QM options, we help structure financing around your situation so you can fund the type of project you actually want to accomplish.
Local guidance you can trust
We are local. That means real support when you need it. Meet face to face, get answers on the spot, and work with someone who understands your market and your goals.
Help at your fingertips
You are never on your own. We guide you through the entire process and stay available to answer your questions every step of the way.
Explore programs for first‑time buyers, investment opportunities, veterans, rural properties, and more.
Below is an overview of the most common loan programs available in the Rio Grande Valley. Every situation is unique; your Willow Bend loan officer will confirm eligibility, down payment requirements, and specific guidelines for each product.
Conventional Loans
Flexible fixed‑ and adjustable‑rate mortgages ideal for well‑qualified buyers with solid credit and documented income. Often the best fit for primary, second home, and investment properties.
- As little as 3–5% down for eligible buyers
- Available for 1–4 unit properties
- Option to remove mortgage insurance when you reach 20% equity
FHA Loans
Government‑insured financing designed to help first‑time and moderate‑income buyers with more flexible credit guidelines and lower minimum down payment requirements.
- Down payments as low as 3.5% for qualified buyers
- More flexible credit score and debt‑to‑income requirements
- Great option for first‑time homeowners in the RGV
VA Loans
Powerful benefits for eligible veterans, active‑duty service members, and surviving spouses—including no down payment in many cases and no monthly mortgage insurance.
- 0% down for most eligible borrowers
- No monthly mortgage insurance (PMI)
- Competitive fixed‑rate options backed by the VA
Down Payment Assistance
Accessible programs that bridge the gap to homeownership. Perfect for buyers who want to purchase now and don't have much savings or want to keep more in their pocket.
Up to 100% financing, 2% - 5% assistance
State, local, and in-house eligibility options
Ideal for buyers with limited down payment funds
Renovation Loans
Turn a fixer-upper into your dream home or update your current property. These loans cover both the purchase price and the cost of repairs or upgrades in one simple monthly mortgage payment.
Finance purchase and repairs together
Ideal for outdated homes or "fixer-uppers"
Options for both minor and major renovations
Construction Loans
Simplify your building journey by combining land purchase, construction costs, and your permanent mortgage into a single closing. This streamlined process saves time and reduces overall costs.
Single closing saves time and money
Interest-only payments during construction
Fixed-rate protection from the start
USDA / Rural Housing
Zero‑down financing for eligible properties in designated rural areas, including portions of the Rio Grande Valley, with income limits and other program criteria.
- Up to 100% financing in eligible rural areas
- Competitive fixed‑rate terms
- Ideal for buyers with limited down payment funds
Powerful benefits for eligible veterans, active‑duty service members, and surviving spouses—including no down payment in many cases and no monthly mortgage insurance.
- 0% down for most eligible borrowers
- No monthly mortgage insurance (PMI)
- Competitive fixed‑rate options backed by the VA
Refinance & Cash‑Out
Lower your payment, shorten your term, or tap into the equity you’ve built. Willow Bend offers rate‑and‑term and cash‑out refinance options across multiple loan types.
- Reduce interest rate or loan term
- Consolidate high‑interest debt
- Access cash for renovations or other goals
Non-QM & Specialized Lending
If your situation is unique, non-traditional, or simply doesn't fit into a standard box, we prioritize finding a solution over a standard rejection. I specialize in navigating intricate financial profiles to create a customized path to homeownership, ensuring your goals aren't sidelined by traditional documentation requirements.
Self-Employed & Bank Statement Programs
Investment & DSCR Loans
Foreign National & ITIN Solutions
...and many others.
Our guided Process
A simple, guided path from curiosity to closing.
We map your loan options to your price range, payment comfort, and timeframe—then walk you step‑by‑step through paperwork and underwriting so there are no surprises.
1. Quick discovery call
Share your goals and timeline in 10–15 minutes so we can identify the Willow Bend loan programs that fit your budget and eligibility.
2. Customized loan options
We present side‑by‑side scenarios (rate, payment, cash to close) across qualifying programs, so you can compare FHA vs. Conventional vs. VA, and more.
3. Confident pre‑approval & closing
Once you select a program, we move quickly to collect documents, secure underwriting approval, and coordinate with your Realtor and title company through closing.
Check out our
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Ready to book an Appointment or get Pre-Approved?
Brownsville Office
Harlingen Office
McAllen Branch Office
Powered by Willow Bend Mortgage Company, LLC, NMLS #117371. Equal Housing Lender. All loans subject to credit approval. Terms and conditions apply.
Jorge J Alanis, Mortgage Loan Originator/ Mortgage Lender NMLS #2523742, helps relocating and local homebuyers in Brownsville, Harlingen, McAllen, and throughout the Rio Grande Valley with home financing, guidance, credit roadmaps, first time homebuyer programs, and low down payment mortgage options.