Co-Founder - CEO
Brandon is a National Mortgage Professional named Top 40 under 40 Honorable Mention of The Forty Most influential Mortgage Professionals Under Forty. He holds an MBA with a concentration in Real Estate from Marylhurst University and a BA in Political Science from the University of Houston. He is the founder of Carrero Mortgage Advisors, a mortgage lending company that specializes in construction finance. He is a licensed Real Estate Broker in Texas. Prior he served as Vice President of Leblanc, Karlseng, & Patten, a Texas Fee Attorney. He serves as president of his Homeowner Association. He worked dutifully to help found the Dioceses of Roseau Cathedral Foundation in the wake of Hurricane Maria to raise money for the devastated island of Dominica. Brandon is a lifelong entrepreneur, Catholic, husband, and father.
Co-Founder - Construction Operations Officer
Jeremy Spear is a U.S Veteran who received a full-paid ROTC Scholarship to Texas A&M Kingsville where he graduated with a degree in Business Administration & served in the U.S Army as an Officer as an Analyst (35F). He has been a highly successful entrepreneur for over fourteen years running multiple companies. His passion is real estate construction. He has had his Real Estate License for eleven years and has consistently been in the top 10% of agents in the Corpus Christi area in Texas. He has bought, flipped, renovated, and sold more than ten million dollars in single-family homes.
Technology OPS Officer
David has developed web applications, high traffic websites, and is a talented graphic designer. He loves to draw portraits and is presently working on illustrating a children's book.
Palacio, Palacio & Zimmerman LLC
Independent GAAP Accounting Firm
Palacio, Palacio & Zimmerman LLC ("PPZ") is the combination of two accounting firms - J.J. Palacio, P.A. and Zimmerman, Marconi, & Alzate, P.A. which have been providing premium accounting and tax services to clients for over 25 years. Our staff is comprised of CPAs, IRS enrolled agents, accounting professionals, and information technology consultants with a combined experience of over 250 years. We take pride in assisting our clients to understand "what's in the numbers." Our business practices have been built on the concepts of shared knowledge, commitment to serve, strong client support and of course, confidentiality. We strive to create innovative solutions and hold our clients in the highest regard possible.
Affordable Luxury Homeownership
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These materials are not from HUD, FHA, the USDA, or the VA. These materials were not approved by any government agency. They are independent of any government agency. We are not in any way affiliated with any organization listed or referenced within this website, including HUD/FHA/USDA/VA. The inclusion of various education, information, web links, or materials are not an endorsement of the Sender or any of its employees or business partners.
For information directly from HUD/FHA, visit http://www.hudclips.com
For information directly from the VA, visit http://www.benefits.va.gov/HOMELOANS/
For information directly from the USDA, visit http://www.usda.gov/wps/portal/usda/usdahome?navid=GRANTS_LOANS
For information about shopping for a home loan visit https://files.consumerfinance.gov/f/201401_cfpb_booklet_settlement.pdf
For information about shopping for an adjustable rate mortgage visit https://files.consumerfinance.gov/f/201401_cfpb_booklet_charm.pdf
Figure: 7 TAC 80.200(b)
“ANY CONSUMER WISHING TO FILE A COMPLAINT AGAINST A COMPANY OR A RESIDENTIAL MORTGAGE LOAN ORIGINATOR SHOULD COMPLETE AND SEND A COMPLAINT FORM TO THE TEXAS DEPARTMENT OF SAVINGS AND MORTGAGE LENDING, 2601 NORTH LAMAR, SUITE 201, AUSTIN, TEXAS 78705. COMPLAINT FORMS AND INSTRUCTIONS MAY BE OBTAINED FROM THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV. A TOLL-FREE CONSUMER HOTLINE IS AVAILABLE AT 1-877-276-5550. THE DEPARTMENT MAINTAINS A RECOVERY FUND TO MAKE PAYMENTS OF CERTAIN ACTUAL OUT-OF-POCKET DAMAGES SUSTAINED BY BORROWERS CAUSED BY ACTS OF LICENSED RESIDENTIAL MORTGAGE LOAN ORIGINATORS. A WRITTEN APPLICATION FOR REIMBURSEMENT FROM THE RECOVERY FUND MUST BE FILED WITH AND INVESTIGATED BY THE DEPARTMENT PRIOR TO THE PAYMENT OF A CLAIM. FOR MORE INFORMATION ABOUT THE RECOVERY FUND, PLEASE CONSULT THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV.“