Point Capital Services

Point Capital Services We are a premier financial company providing mortgage related products for residential needs in Texas. We have added SBA financing for our business clients.

Point Capital Services LLC - 2094446
https://pointcapitalservices.com/legal/

08/27/2026

📊 Bank Statement Loans — An Alternative Path to Homeownership

Self-employed or have income that doesn’t fit traditional mortgage guidelines? A *Bank Statement Loan* may offer an alternative way to qualify.

Instead of relying solely on traditional income documentation, eligible borrowers may qualify using bank statement history and other required documentation.

✔️ No traditional tax returns
✔️ No W-2s
✔️ No paystubs
✔️ 15% down payment
✔️ 660+ credit score

Every borrower’s situation is different, and program requirements vary. *Talk to Point Capital Services to explore your options.*

🏠 ZERO DOWN — and building long-term wealth from day one. 💰Here's one of the smartest money moves a first-time buyer can...
08/21/2026

🏠 ZERO DOWN — and building long-term wealth from day one. 💰

Here's one of the smartest money moves a first-time buyer can make:

Use a Down Payment Assistance program to purchase a duplex.

Live in one unit. Rent out the other.

Your tenant helps cover your mortgage — and you're building equity in real estate without putting a dollar down.

This is called "house hacking" — and it's one of the most proven paths to long-term wealth that most people never hear about.

Here's how it works:

✅ DPA covers your down payment
✅ Rental income from the second unit can partially offset your monthly payment
✅ You build equity while someone else helps pay your mortgage

Ten years from now, that duplex could be a paid-down asset generating passive income — all started with zero out of pocket.

Texas has dozens of DPA programs. Many are grants you never repay. And you don't have to be a traditional "first-time buyer" — most programs just require you haven't owned in 3 years.

Ready to start building wealth instead of just paying rent?

Free consultation. No obligation. No hard credit pull.

📞 713-530-0575
🌐 pointcapitalservices.com
📍 Sugar Land, TX

Amir Piyar Ali – NMLS #1767783
Point Capital Services – NMLS #2094446

🚨 **SBA SOP 50 10 8.1: Important Changes for Business Acquisitions**The SBA’s updated **SOP 50 10 8.1** introduces sever...
08/18/2026

🚨 **SBA SOP 50 10 8.1: Important Changes for Business Acquisitions**

The SBA’s updated **SOP 50 10 8.1** introduces several important changes that business buyers and sellers should understand before moving forward with a transaction.

Here are **4 key updates** to keep on your radar:

**1️⃣ SELLER INVOLVEMENT CAN EXTEND TO 24 MONTHS**
The previous 12-month limitation is changing to **24 months**, giving buyers and sellers more flexibility when a longer transition period is beneficial.

**2️⃣ BUYER MUST CONTRIBUTE AT LEAST 50% OF THE REQUIRED EQUITY**
The buyer must provide at least **50% of the required equity injection**. Certain equity contributions from investors or minority owners may no longer qualify if they exceed the permitted structure.

**3️⃣ QOF/QoE REQUIREMENT FOR DEALS OVER $3 MILLION**
For transactions above **$3 million**, a **Quality of Earnings (QoE) review** is required, and the lender must incorporate the QoE results into the debt service coverage analysis.

**4️⃣ HIGHER DSCR REQUIREMENTS FOR ACQUISITIONS**
The updated minimum DSCR requirements are:

• **1.25x** — Initial acquisition or partner buyout
• **1.15x** — Business expansion

These updates can have a meaningful impact on **deal structure, equity requirements, underwriting, and approval.**

If you have a business acquisition or expansion in the pipeline, now is a good time to review your financing strategy with your lender.

We're continuing to monitor the new SOP and any additional guidance that becomes available.

**Have questions about how these changes could affect your deal? Let's talk.**
📞 713-530-0575 | 📧 [email protected]

🏡 JUST FUNDED — $1,500,000 in Austin, TX! 🔑✅ Purchase✅ Primary Residence✅ Non-QM LoanHere's why this one matters. 👇A $1....
08/13/2026

🏡 JUST FUNDED — $1,500,000 in Austin, TX! 🔑

✅ Purchase
✅ Primary Residence
✅ Non-QM Loan

Here's why this one matters. 👇

A $1.5M home purchase — and a traditional lender likely would have said no.

Not because the buyer couldn't afford it. But because their income didn't fit into a standard box.

That's what Non-QM financing is for.

Business owners. Self-employed professionals. Investors. High earners whose tax returns don't tell the full story after write-offs.

Instead of forcing you into a template, we use documentation that reflects how you ACTUALLY earn:

🔹 Bank statements instead of tax returns
🔹 Asset-based qualification
🔹 1099 income programs
🔹 ITIN and Foreign National options

If you're a successful business owner who's been turned down for a mortgage, you didn't fail the qualification — you were just measured with the wrong ruler.

Congratulations to our clients on their new home! 🎉

Let's talk about what's possible for you. Free consultation, no obligation.

📞 713-530-0575
🌐 pointcapitalservices.com
📍 Sugar Land, TX

Amir Piyar Ali – NMLS #1767783
Point Capital Services – NMLS #2094446

🏡 CLOSED AND FUNDED — Zero Down. Zero Closing Costs. 🔑You don't need 20% down to buy a home.Honestly? You may not need a...
08/10/2026

🏡 CLOSED AND FUNDED — Zero Down. Zero Closing Costs. 🔑

You don't need 20% down to buy a home.

Honestly? You may not need any money at closing at all.

Our clients just closed with:
✅ Down Payment Assistance (DPA) covering the down payment
✅ Zero closing costs
✅ Keys in hand

That's not a gimmick — that's how these programs are designed to work.

Texas has dozens of DPA programs, and many are GRANTS you never repay. Most buyers have simply never heard of them.

And here's what surprises people most: "first-time buyer" usually just means you haven't owned a home in the last 3 years.

So if you've been waiting to save up "enough" — that number might be a lot smaller than you think. Or zero.

Buying a home doesn't have to be hard. Let's see what you qualify for.

Free consultation.
📞 713-530-0575
🌐 pointcapitalservices.com
📍 Sugar Land, TX

Amir Piyar Ali – NMLS #1767783
Point Capital Services – NMLS #2094446

08/06/2026

These words mean everything to us. ❤️

Nothing beats hearing from the families and business owners we've had the chance to work with. Every closing is someone's real life — a first home, a new business, a fresh start — and we never take that lightly.

At Point Capital Services, we treat every client like family. Honest advice, real options, and someone who actually picks up the phone.

Thank you to our clients for trusting us. 🙏

Ready to be our next success story? Let's talk — free consultation, no pressure.

📞 713-530-0575
🌐 pointcapitalservices.com
📍 Sugar Land, TX

Amir Piyar Ali – NMLS #1767783
Point Capital Services – NMLS #2094446

🏡 FUNDED — $807,500 🎉✅ Purchase✅ 6.25% Fixed✅ 5% Down✅ Primary ResidenceLet's talk about that 5% down for a second. 👇A l...
08/04/2026

🏡 FUNDED — $807,500 🎉

✅ Purchase
✅ 6.25% Fixed
✅ 5% Down
✅ Primary Residence

Let's talk about that 5% down for a second. 👇

A lot of buyers still believe you need 20% down to buy a home. That myth has kept more people renting than anything else.

On a purchase this size, 20% down would have meant waiting years longer to save. At 5%, our client is a homeowner today instead of still saving.

And 6.25% fixed in today's market? That's a solid rate to lock in for the next 30 years.

The truth is, the right program depends entirely on YOUR situation — your credit, your income, your goals. That's what we figure out together.

Congratulations to our clients on the keys! 🔑

Wondering what you'd actually qualify for? Free consultation, no obligation, no hard credit pull.

📞 713-530-0575
🌐 pointcapitalservices.com
📍 Sugar Land, TX

Amir Piyar Ali – NMLS #1767783
Point Capital Services – NMLS #2094446

🏖️ CLOSED AND FUNDED — Coastal Paradise in Galveston! 🌊Congratulations to our clients on their new place by the water! 🔑...
08/02/2026

🏖️ CLOSED AND FUNDED — Coastal Paradise in Galveston! 🌊

Congratulations to our clients on their new place by the water! 🔑

There's something special about handing someone the keys to a home they'll make memories in for years — sunrises over the Gulf, weekends with family, and a place that's truly theirs.

And if Galveston has been on your radar: the market there is showing real strength. County development and permitting activity points to genuine growth, not just seasonal buzz.

Whether you're looking at a second home, a vacation property, or an investment rental — there are more financing options for coastal properties than most buyers realize.

Let's talk about what's possible for you. Free consultation, no pressure.

📞 713-530-0575
🌐 pointcapitalservices.com
📍 Sugar Land, TX

Amir Piyar Ali – NMLS #1767783
Point Capital Services – NMLS #2094446

🏡 NO CREDIT SCORE? YOU CAN STILL BUY A HOME. 🏡We just funded a conventional loan in Harvest Green (Richmond, TX) for a b...
07/31/2026

🏡 NO CREDIT SCORE? YOU CAN STILL BUY A HOME. 🏡

We just funded a conventional loan in Harvest Green (Richmond, TX) for a beautiful Perry Home for a buyer with NO credit scores.

Not bad credit. NO score at all.

Here's what most people don't know 👇

Having no credit score is NOT the same as having bad credit. If you've paid cash your whole life, recently moved to the U.S., or simply never opened a credit card — you may still qualify for a conventional loan.

It works through something called NONTRADITIONAL CREDIT. Instead of a FICO score, we document your real payment history:

✅ Rent payments (12 months)
✅ Utility bills
✅ Phone / internet
✅ Insurance premiums
✅ Tuition or childcare payments

What you'll generally need:
🔹 12 months of on-time rent — no late housing payments
🔹 About 4 payment references we can verify
🔹 A clean recent history (no collections or judgments in 24 months)
🔹 Primary residence, one unit

And if you're new to the U.S.? Credit references from your home country can count too.

Even better — with programs like HomeReady, some buyers can get in with as little as 3% down.

If you've been told "you need credit to buy a home" — that's not the whole story. Let's look at YOUR situation.

📞 713-530-0575
🌐 pointcapitalservices.com
📍 Sugar Land, TX

Amir Piyar Ali – NMLS #1767783
Point Capital Services – NMLS #2094446

🏡 CLOSED AND FUNDED — Stonecreek, Richmond TX! 🎉Another family is officially home. 🔑There's nothing better than watching...
07/30/2026

🏡 CLOSED AND FUNDED — Stonecreek, Richmond TX! 🎉

Another family is officially home. 🔑

There's nothing better than watching a client go from "can we actually do this?" to holding the keys. Every closing is a story — and we're grateful to be part of this one.

Congratulations to our clients on your new chapter! 🥂

Thinking about buying in Richmond, Sugar Land, or anywhere in Texas? Let's talk about what's possible for you — free consultation, no pressure.

📞 713-530-0575
🌐 pointcapitalservices.com
📍 Sugar Land, TX

Amir Piyar Ali – NMLS #1767783
Point Capital Services – NMLS #2094446

Address

14090 Southwest Freeway, Suite 300
Sugar Land, TX
77478

Opening Hours

Monday 9am - 4pm
Tuesday 9am - 4pm
Wednesday 9am - 4pm
Thursday 9am - 4pm
Friday 9am - 4pm
Saturday 10am - 3pm

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