Cole Johnson

Loan Originator

NMLS#2073293

En Español →

Helping Texas families and investors find the right loan, with clear guidance and honest advice from start to finish.

Start Here

Where do you stand right now?

Pick the situation that fits and I’ll point you in the right direction.

🔑

Buying my first home

New to all of this? I will walk you through every step in plain language, so you always know what comes next.

Let's get started →

🔄

Refinancing my loan

Want a better rate or to tap your equity? Let's look at the numbers and see if a refinance makes sense.

Review my options →

🏘️

Investing in property

Buying a rental or growing your portfolio? I will help you line up financing built for investors.

Talk strategy →

Don’t see your situation? No problem. In 10 years I’ve worked through just about every scenario, including refinances. Just give me a call:

972-533-3523

What I Do Best

Here's Where I Specialize

I work with a wide range of loans, so I can match the right one to your situation. I also handle USDA and jumbo loans.

Conventional Loans

“A strong fit for buyers with steady income and solid credit. I will show you if it beats your other options.”

Competitive rates for qualified buyers
As little as 3% down for some buyers
Flexible terms

FHA Loans

“Lower down payment and flexible credit make FHA a smart choice for many first-time buyers.”

Down payments as low as 3.5%
Flexible credit guidelines
Great for first-time buyers

VA Loans

“Earned through service. VA loans offer strong benefits for veterans, active duty, and eligible families.”

Zero down for those who qualify
No private mortgage insurance
Competitive rates

Here's How It Works

No surprises, no pressure. This is what the process actually looks like.

1

Tell me your situation

"We talk through your goals, your timeline, and your finances. No commitment. Just a conversation."

2

I review your options

"I shop your scenario across multiple lenders and bring back the best options with real numbers."

3

You choose the best fit

"You decide. I'll walk you through each option in plain English, without the pressure or the jargon."

4

We close - I'm with you

"From application to closing keys, I manage the process and stay reachable the whole way."

No commitment required. Just a conversation.

The Process

Here's How It Works

Four simple steps. I handle the heavy lifting and keep you informed the whole way.

1

We talk

Tell me your goals. I listen first, then explain your options in plain language.

2

Get pre-approved

I review your numbers and give you a clear budget so you can shop with confidence.

3

Find your loan

As a broker, I compare lenders to find the loan that fits you best, not the other way around.

4

Close with ease

I stay proactive through underwriting so closing day is smooth and on time.

Run the Numbers

Try the numbers yourself

Get a feel for your payment and buying power before we talk. These are quick estimates.

Mortgage Payment Estimator

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Home Price ($)

Down Payment ($)

Down payment cannot exceed the home price.

Loan Amount ($)

Loan amount cannot exceed the home price.

Interest Rate (%)

Loan Term

Monthly Tax + Insurance (optional)

Estimated Monthly Payment

—

This is an estimate only. Your actual payment may vary based on your loan type, credit profile, and lender. Contact Steve for an accurate quote.

Use the full mortgage calculators and tools →

How Much Can I Buy?

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Household Income — Pre-Tax

Include all borrowers who will be on the loan. Enter your combined pre-tax income.

Monthly Debt Payments ($)

Include car payments, student loans, credit card minimums, and any other monthly loan payments. Do not include household bills such as rent, utilities, phone, or insurance.

Down Payment ($)

Based on what you've entered, you may qualify for a home up to

—

This is an estimate based on standard debt-to-income guidelines. Your actual buying power depends on your credit score, loan type, and lender. Talk to Steve for a real number.

Talk to Cole Johnson for a real number — 972-533-3523 →

From the First-Time Homebuyer Guide

Know your real number before you shop

Understanding pre-approval vs. pre-qualification so you shop with confidence, not guesses.

Down payment assistance is more common than you think

Most buyers don't realize help exists in their state. This guide shows you what's available.

Closing costs are negotiable

Knowing what's negotiable before you make an offer can save you thousands.

“I put this guide together for first-time buyers I work with.”

— Cole Johnson

Free PDF — No email required

Wondering What Rate You'd Qualify For?

Let’s talk. I will look at your situation and give you honest, clear answers, with no pressure.

Why I Do This Work

“Let’s turn your homeownership goals into reality.”

I am Cole Johnson, and I am dedicated to helping individuals and families reach their homeownership goals.

Whether you are buying your first home, refinancing, or investing in property, I work closely with you to find the financing that fits your needs. No two clients are the same, so I never treat them that way.

My expertise covers conventional, FHA, VA, USDA, and jumbo loans. That range means I can help a wide variety of clients find the right path forward.

Customer service is my top priority. I am committed to clear, honest communication and personalized solutions that help you make confident decisions.

Contact me today, and let’s get started.

Licensed in Texas

NMLS#2073293

Good Questions

Questions I Hear Most

Straight answers, no sales pitch. Browse the mortgage glossary for more definitions.

How much do I need for a down payment?

It depends on the loan. VA loans can be zero down for those who qualify, FHA can be as low as 3.5%, and some conventional loans allow 3%. I will show you the options that fit your budget.

Do you handle USDA and jumbo loans?

Yes. Along with conventional, FHA, and VA, I work with USDA loans for eligible rural areas and jumbo loans for higher-priced homes. If you are not sure which fits, we will figure it out together.

Can you help me refinance?

Absolutely. Whether you want a lower rate, a shorter term, or to tap your equity, I will run the numbers and show you if a refinance makes sense for your goals.

Why work with a broker instead of a bank?

A bank offers its own loans. As a broker, I compare many lenders to find the loan that fits you best. That means more options and a better shot at the right rate and terms for your situation.

Getting Started

Credit and Qualification

Specialty Programs

Working with Cole Johnson

Licensing

Cole Johnson
NMLS#2073293.

Verify licensing at www.nmlsconsumeraccess.org.

State Mortgage Loan Originator Licenses

Texas

Lender Express Mortgage LLC is a licensed mortgage broker, not a lender. Loan programs, rates, and eligibility requirements are subject to change and vary by borrower.