Aaron Sandoval

Aaron Sandoval Helping good people make confident financial decisions
Kindred Mortgage LLC NMLS #2645422 I Aaron Sandoval NMLS #1409766 I Equal Housing Lender

Aaron Sandoval NMLS # 1409766 Loan Originator



As a licensed mortgage advisor in the great state of Texas, I am here to help you ever step of the way, From home purchase to refinancing your current mortgage. Figure: 7 TAC §80.200(b)
"CONSUMERS 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 RESIDENTIALMORTGAGE 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."

09/23/2026

Down-payment assistance isn't one single program with one set of rules. Eligibility can vary by program, location, income, loan type, purchase price and homebuyer status. Some options aren't limited exclusively to first-time buyers. Comment DPA if you'd like to explore what's available for your scenario.

09/22/2026

A temporary buydown can reduce the borrower's payment during the early years of an eligible mortgage without permanently changing the note rate. It can be particularly interesting when seller concessions are available. Comment BUYDOWN and we can run an example using today's numbers.

09/22/2026

A lower rate isn't automatically a better financial decision if you have to pay significantly more upfront to get it. Compare the cost of the points against the monthly savings and calculate your break-even period. Comment POINTS if you want to see how the math works.

09/21/2026

Mortgage rate and APR aren’t interchangeable. APR incorporates the interest rate plus certain loan costs, which can make it useful when comparing similar mortgage offers. Don’t compare rate alone look at the entire transaction. Comment COMPARE if you’re looking at multiple loan options.

09/21/2026

You don't necessarily have to sell your current home before buying the next one. The key is determining whether you can qualify while both properties are in the picture—and structuring the financing correctly. Comment MOVE if you want to see what buying before selling could look like.

09/18/2026

Money in a retirement account may be more useful during a home purchase than you realize.

Depending on the loan program and account, eligible vested retirement assets may potentially help with your down payment, closing costs or required reserves.

But don’t start withdrawing retirement money just because you’re buying a house.

Withdrawals and retirement-plan loans can have tax, penalty, repayment and long-term financial consequences. Figure out what the mortgage actually requires first, then decide how to access the funds.

Comment 401K if you want to know what a lender would look at.

09/18/2026

Can a parent or someone else help you qualify for a mortgage without moving into the house with you?

On eligible loan programs, a non-occupant co-borrower may be an option.

Their qualifying income and liabilities become part of the application — but so does their legal responsibility for the mortgage.

It’s not the right structure for every situation, so have the lender review it before making plans.

Comment COSIGN if you want to know how it works.

09/17/2026

Yes, you can use FHA financing for more than just a single-family house.

HUD currently lists one-to-four-unit structures as eligible under its basic FHA mortgage program, as long as the property is being used as the borrower’s principal residence.

So a buyer may be able to live in one unit and rent the others.

That doesn't mean every multi-unit property or borrower will qualify; there are additional loan and property requirements to review.

Comment MULTI if you’re looking at a duplex, triplex, or fourplex.

09/16/2026

FHA loans are not limited to first-time homebuyers.

HUD’s basic FHA mortgage program is designed for eligible borrowers purchasing or refinancing a principal residence, and prior homeownership by itself does not make someone ineligible.

The real question is whether FHA is the best fit compared with your other loan options.

Comment FHA if you want to compare the numbers.

09/16/2026

Your VA home loan benefit is not automatically a one-and-done benefit.

If a prior VA-backed loan has been paid off and the property sold, you may be able to restore the entitlement used. And in some cases, even with an existing VA loan, you may still have remaining entitlement available for another VA-backed purchase.

The amount of remaining entitlement can affect whether a down payment is needed on the next purchase.

Comment ENTITLEMENT if you want to know what your COE actually means.

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Haslet, TX
76052

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