Elevate your real estate game with

Freddy F. Duarte

With over 2 decades of experience as a licensed Loan Officer, Freddy is a seasoned expert in the world of home financing and relationship building. As a Managing Partner and mortgage loan expert, Freddy brings unmatched knowledge, passion and dedication to every single client. Our central focus is our clients best possible homebuying experience.

Why choose Freddy as your mortgage loan partner?

  • Freddy has been helping clients build wealth in real estate since 2002. With Freddy by your side, you will have access to expert guidance and personalized solutions tailored to your clients unique needs and goals.
  • Streamlined Process: Say goodbye to headaches and hassle. Freddy's streamlined process ensures smooth transactions, quick approvals, and satisfied clients.
  • Local Advantage: Freddy’s deep roots in the central Texas area give you a competitive edge in the market. He understand the local landscape and has over 40 years of relationships to help you when you need any service or advice.
  • Client-Centric Approach: Freddy's client-centric approach ensures that your clients receive the care, attention, and support they deserve throughout the entire home financing journey.
  • Trusted Partner: With Freddy as your mortgage loan partner, you can trust that your clients are in good hands. His integrity, transparency, and commitment to excellence set him apart in the industry.
Helping families build real estate wealth since 2002

Freddy F. Duarte

Mortgage Advisor | Managing Partner | NMLS# 265438
[email protected] | (512) 576-6115
www.YourMortgageGuyFreddy.com | 400 E. Main Street, Round Rock, Texas 78664
Prodigy
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Your clients can apply online at www.YourMortgageGuyFreddy.com
or call him for a personalized application call at 512-576-6115.
Prodigy Mortgage Menu
Prodigy Mortgage Menu

FHA Loans

  • 580 minimum credit score with 3.5% down
  • 660+ credit score: great rate options
  • 720+ credit score: best rate options
  • Down to 500 credit score with 10% downpayment
  • SFR: $571,550
  • 2-unit: $731,700
  • 3-unit: $884,450
  • 4-unit: $1,099,150
  • FHA loan limits: $571,550
  • Downpayment can be a gift from family, close friend, employer, or borrowed from 401K / IRA

USDA Rural Housing Loan

  • Minimum credit score of 640 with 0% down
  • No loan limits apply — income limits do apply
  • USDA allows financing in rural areas and is based on the population on the most recent census.
  • The income is based on all income sources in the home, I.E.S. on working grandmother’s social security income.

Prodigy Empower Grant

  • 620 credit score or higher
  • Max debt to income ratio of 48.99%
  • Max income of 140% of the area median income
  • Available to first-time homebuyers, educators, first responders, health care professionals, and government employees

Conventional Loans

  • 620 minimum credit score with 3% or 5%+ down
  • 700+ credit score: great rate options
  • 740+ credit score: best rate options
  • Single family home: $832,750
  • Duplex: $1,066,250
  • Triplex: $1,288,800
  • Fourplex: $1,601,750
  • Home purchase, refinance, cash out, debt consolidation, home improvement loans, 1st / 2nd liens
  • WAIVE escrows with only 5% downpayment

Debt Service Coverage Ratio

  • Minimum credit score 640
  • Minimum downpayment of 20%
  • No income verification required
  • We use your rental income to budget for the mortgage payment.
  • This is a program we use for investors to budget for rental properties.

VA Loans

  • Minimum credit score of 600 with 0% down
  • VA loans are active for retired veterans
  • Loan amounts up to $806,500
  • VA jumbo loans up to $2,000,000
  • We can request prior approval to use a co-borrower other than spouse.

Niche Programs

  • Unlimited investment properties for investors
  • Flex terms for conventional loans — example 17-year loan term
  • Jumbo loans up to $3M with 10% down, $2M with 5% down, no mortgage insurance to niche programs
  • Private funding for any investment opportunity to joint venture
  • Flex rate — if you have a very specific payment in mind, we can tailor to hit that target with flex rate. Example: 4.492% instead of 4.50%

One Time Closing Construction Loan

  • Conventional and VA loans only
  • Minimum 700 credit score
  • Primary home: land and construction costs with 5% downpayment minimum
  • 2nd / vacation home: land and construction costs with 10% downpayment minimum
  • Investment home: land and construction costs with 15% downpayment minimum
  • Maximum construction period of 11 months
  • Build anywhere in Texas
  • No condos or mobile homes allowed

Private Financing

  • No credit, employment or income requirements
  • 20% downpayment and must be an investment home

Jumbo Loans

  • Up to $3M loan amount with 10% down, no MI.
  • Up to $2M loan amount with 5% down, no MI.

No Ratio

  • No employment
  • No income
  • 660 minimum credit score
  • Owner occupied or second home only
  • Up to $2M loan amount
  • 20% minimum downpayment
  • If you cannot prove your income, newly self employed, seasonal, cash based business, gig-based workers or if you were turned down due to excessive debts, this loan is for you.

Earned Equity Program

  • ITIN buyers can put as little as 3.5% downpayment
  • No SSN, no VISA — no problem
  • No credit score
  • Self-employed bank statement only available
  • Credit scores down to 500 with exceptions
Prodigy Loan Menu — Page 2 of 2
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