ERO Lending

Mortgage Broker serving Houston, TX

About ERO Lending

ERO Lending, based in Southern California, is a dedicated mortgage broker focused on helping clients achieve their homeownership dreams. The company prides itself on offering a wide array of mortgage products and investment tools, combined with quality service and personalized attention to meet the specific needs of each client. Utilizing modern technology, ERO Lending provides a productive and effective environment, including a secure online loan application and interactive calculators for exploring financing options.

What truly sets ERO Lending apart is their profound commitment to client success, often going above and beyond typical service. Testimonials highlight instances where the team, led by Emmanuel Offong, assisted clients with credit improvement, navigated challenging financial situations like old judgments by covering fees from their commissions, and ensured timely closings. They are particularly recognized for their compassionate approach and willingness to work with borrowers facing credit difficulties.

ERO Lending assists a diverse clientele, including first-time homebuyers and those seeking Non-QM solutions like Bank Statement, ITIN, DSCR, and Foreign National loans. Their ability to handle complex cases, provide free credit assistance, and offer comprehensive support throughout the entire loan process has fostered strong client loyalty and numerous referrals, reflecting their mission to aim high for their clients.

Company Information

Lender Type: Mortgage Broker

Licensed In

CATX

Certifications & Credentials

FHA ApprovedVA Approved

Digital Capabilities

Online Application
Digital Document Upload
Rate Calculator
Pre-Qualification Tool

Home Loan Products

FHA Loan Program

Loan Types:
FHA
Rate Types:
Fixed RateAdjustable Rate (ARM)
Property Types:
Single-Family HomeCondoTownhouse
Occupancy Types:
Primary Residence
Employment Types:
W-2 EmployeeSelf-Employed
Income Verification:
Full Documentation
3.5%
Min Down Payment

VA Loan Program

Loan Types:
VA
Rate Types:
Fixed RateAdjustable Rate (ARM)
Property Types:
Single-Family HomeCondoTownhouse
Occupancy Types:
Primary Residence
Employment Types:
W-2 EmployeeSelf-Employed
Income Verification:
Full Documentation
Special Programs:
Veteran Program
Credit Tiers:
Bad (<580)Poor (580-619)
0
100%
Max LTV
500
Min Credit Score

Conventional Loan Program

Loan Types:
Conventional
Rate Types:
Fixed RateAdjustable Rate (ARM)
Property Types:
Single-Family HomeCondoTownhouse
Occupancy Types:
Primary ResidenceSecond HomeInvestment Property
Employment Types:
W-2 EmployeeSelf-Employed
Income Verification:
Full Documentation

Reverse Mortgage Program

Loan Types:
Reverse Mortgage
Rate Types:
Fixed RateAdjustable Rate (ARM)
Property Types:
Single-Family HomeCondoTownhouse
Occupancy Types:
Primary Residence
Employment Types:
Retired
Income Verification:
Full Documentation

Non-QM Loan Programs

Loan Types:
Non-QMBank StatementDSCRHard MoneyBridgePortfolioInterest-OnlyHome Equity LoanSecond MortgageAsset Depletion
Rate Types:
Fixed RateAdjustable Rate (ARM)
Property Types:
Single-Family HomeCondoInvestment PropertyVacation/Second Home
Occupancy Types:
Primary ResidenceSecond HomeInvestment Property
Employment Types:
Self-EmployedBusiness OwnerInvestor
Income Verification:
Bank StatementNo Income VerificationAsset Depletion
Special Programs:
Bank Statement ProgramITIN ProgramForeign National ProgramSelf-Employed ProgramAsset Depletion Program
Credit Tiers:
Fair (620-679)Good (680-739)

Home Purchase and Refinance

Loan Types:
RefinanceConventionalFHAVAJumbo
Rate Types:
Fixed RateAdjustable Rate (ARM)
Property Types:
Single-Family HomeCondoTownhouseMulti-Family (2-4 units)
Occupancy Types:
Primary ResidenceSecond HomeInvestment Property
Employment Types:
W-2 EmployeeSelf-Employed1099 ContractorRetired
Income Verification:
Full DocumentationBank Statement
Special Programs:
First-Time HomebuyerLow Down Payment Program
Credit Tiers:
Excellent (740+)Good (680-739)Fair (620-679)Poor (580-619)Bad (<580)
0
100%
Max LTV
500
Min Credit Score

Contact Information

Professional Licenses

NMLS ID: 276819
260 N Sam Houston Pkwy E #360
Houston, TX 77060
US

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Business Information

Category: Mortgage Broker
Location: Houston, TX
Status: Standard
Type: Mortgage Broker
NMLS ID: 276819
Profile Views: 17

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