Odessa, Texas · Permian Basin
Odessa home loans from a Permian Basin local.
I live and work in Odessa. If you're buying or refinancing here, I'm a text away, and I know what Ector County Loan Estimates should look like.
Mortgage help in Odessa, TX
I'm based in Odessa and help Odessa buyers and homeowners with FHA, conventional, VA, refinance, and Texas cash-out loans. You can text me, call, or DM me on TikTok. I'll also review any Loan Estimate you already have from another lender, free.
What to check on a Odessa Loan Estimate
Make sure property taxes are based on the actual address, not a placeholder. Rates vary by taxing unit within Ector County. Check whether the HOA, if any, is listed, confirm the seller credit you negotiated shows up, and remember Texas has no transfer tax, so Section E should be mostly recording fees.
Oilfield, overtime, and variable income
Lenders can use overtime, bonus, and variable pay, but they usually want to see a history of it. If your income is mostly overtime or rotation pay, or you recently changed companies, talk to me before you shop. Self-employed and 1099 workers can also look at bank statement loans.
Bank statement loans for self-employed borrowers
After you close: homestead exemption
Once you own and live in the home, file your homestead exemption with the Ector County Appraisal District. It's free and can lower your property tax bill, which can lower your escrow payment over time. You can usually file online or by mail.
For illustration only. Not a commitment to lend, a Loan Estimate, or an offer of credit. Your actual figures depend on your full application, credit approval, property, and the loan program. John Stafford NMLS #2470539 | GoRascalJohn powered by GoRascal Inc. NMLS #2072896. Equal Housing Opportunity.
Google reviews
What people say after closing
Real words from real borrowers on my Google Business Profile.
“John came in at a time when I need someone that was honest and trustworthy. I was already working with another lender, my gut told me things didn't feel right. He offered his support and was resourceful. Never pushy but offered his assistance, if needed. The best decision I ever made! …Truly grateful for him!”
“Excellent service and most reliable person is John he helped my family and I out and made the process super easy and seamless he will definitely be my lifetime go to for all my Loan needs!”
“John made the process painless.”
Reviews from Google. Quoted verbatim; individual experiences vary.
Common questions
Do you work with Odessa real estate agents?
Yes. I work with agents across the Permian Basin and keep everyone updated through closing.
Can you review an Odessa Loan Estimate from another lender?
Absolutely. Send me your Loan Estimate and I'll look it over myself, free.
Is there a transfer tax in Texas?
No. Texas has no real estate transfer tax, so Section E on a Texas Loan Estimate is usually just recording fees.
Can I use FHA or VA in Odessa?
Yes. FHA, VA, and conventional loans are all used every day in Odessa.
Free Loan Estimate review
Got a Loan Estimate? Send it to me.
Send me your Loan Estimate and I'll look it over myself. I'll tell you straight what looks off, what looks fine, and whether I can do better. If your offer is solid, I'll say so.
Before you send it: cover your Social Security number and loan number. Texas and Tennessee loans. John Stafford NMLS #2470539 | GoRascalJohn powered by GoRascal Inc. NMLS #2072896.