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Mortgage options
A path toward your Texas land and future home
Whether you are buying land now or already have an owner-financed note, our licensed team can help you explore FHA, VA, conventional, one-time close construction, and refinance options. Applicants must qualify.
Mano Santa, LLC is not a bank. No rates are quoted on this page.
How it works
Four clear steps
Share your goal
Tell us if you want to buy, build through a one-time close loan, or refinance.
Review the right path
A licensed mortgage loan originator reviews your goals and discusses fitting programs.
Complete an application
Provide full documentation so a lender can review your qualifications and property.
Mortgage paths we can discuss
Options built around your next step
FHA
A government-insured home loan program many first-time buyers ask about. A loan officer will confirm what fits your property and home plans.
Conventional
Loans that follow standard agency guidelines rather than a government insurance program. Documentation, appraisal, and property type all affect what a lender can offer.
VA
For eligible veterans, service members, and surviving spouses. Eligibility is confirmed through a certificate of eligibility and the lender's review.
One-time close construction
Financing may pair eligible land with the home you plan to build under one closing. Plans, builder, budget, property eligibility, and applicant qualifications are reviewed.
Refinance an existing note
Existing owner-financed customers may be able to refinance into a traditional mortgage when both the property and borrower qualify.
Applicants must qualify. Program availability depends on occupancy plans, credit and income documentation, appraisal, and property eligibility. Many home loan programs are designed for a house, or a house plus land. Raw land may not qualify. A licensed originator will review each file. Mano Santa, LLC is not a bank.
Meet your mortgage loan originator
Monica Garcia
Texas SML Mortgage Loan Originator
NMLS ID 2766963
Monica can help you understand available mortgage paths and the information needed to begin. All applicants must qualify.
Start a conversationSimple payment illustration
Explore an estimated payment
Enter your own numbers to see an estimated monthly principal and interest figure. We do not publish rates here.
Illustration only, not an offer
Estimated principal & interest
$1,264 / month
Illustration only. Not a commitment to lend. Taxes, insurance, HOA fees, and the actual rate are not included. Rates change.
Contact us today
Tell us about your goal
Complete the details below and your email app will open a message to our team. This is not an application for credit.
Questions families ask
Mortgage questions, answered
What is a one-time close construction or land and home loan?
It combines eligible land and planned home construction into one financing process and one closing. The lender reviews the plans, builder, budget, property, and applicant qualifications before approval.
Can I refinance my existing owner-financed note?
Possibly. Refinancing depends on your qualifications, the property, appraisal, documentation, and lender requirements. A licensed originator can review your situation.
I was denied by a bank before. Can I still talk to you?
Yes. A prior denial does not prevent you from having a conversation. Monica can explain the documentation generally requested and discuss possible next steps, but approval is never guaranteed.
Do I have to come to the Edinburg office?
No. You can begin by phone or email. The team will tell you whether an office visit is needed for any later step.
How is this different from owner financing?
Traditional mortgages are underwritten and approved by a lender under its program requirements. Owner financing is arranged directly between a property seller and buyer. This page focuses on traditional mortgage paths.
Important disclosures
Licensing and consumer information
NMLS: Mano Santa, LLC ID 1382805. Monica Garcia NMLS ID 2766963, Texas SML Mortgage Loan Originator.
NMLS Consumer Access · Equal Housing Opportunity
Complaints regarding the servicing of your mortgage should be sent to the Department of Savings and Mortgage Lending, 2601 North Lamar Suite 201, Austin, Texas 78705. A toll-free consumer hotline is available at 1 (877) 276-5550.
Mano Santa, LLC is not a bank. Mortgage products, if available, are originated or brokered through licensed individuals or entities as disclosed by NMLS ID. This page is not a commitment to lend. All loans are subject to application, underwriting, property eligibility, and lender approval.